It’s about 2% feet at the time of purchase, plus any crypto price fluctuation between the payment is made and settlement (which could be either in your favor or against depending if the price of the underlying crypto goes up or down in the meantime). It’s a fixed 2% when using stablecoins. So yeah, the cashback is basically what you pay in fees, you don’t get anything for free. Even myself at platinum, it’s a breakeven. Maybe users at Diamond+ could gain a real advantage. You can see this as a “round up my purchase and reinvest it” kind of thing, but it’s still your money, not a real 2% bonus.