Let’s say I live in the us and am in the 30% tax bracket. I have the bankamericard travel reward which gives 2.625% back against travel expenses (which I never have trouble getting). The indigo I’m getting gives 3% but the key is that indigo rewards seem taxable and travel rewards are not. This makes the indigo reward about 2.1% effectively. Now the rose gold and icy white give 5% which works out to be better but it ties up a hefty chunk of funds if you’re not holding CRO. Is there a way to turn the refunds from the crypto.com visa non taxable in the us so it’s more competitive?