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At .5% I wonder if the $100 yearly fee will get me more sats with mortgage over a halving period than just buying $100 right now...

$20,000 will be the breakeven amount on a $100 subscription cost & 0.5% rewards.

These card boosts and categories seem confusing, especially if they change regularly.

Yeah the categories thing, with them changing regularly, feels like a lot of mental work to me.

Most likely you’ll get more sats buying $100 worth of Bitcoin right now (taking into account the paet of the cycle we’re at)