This step is where restaurant crumbles and home versions diverge. In a separate bowl, combine your flour, oats, brown sugar, cinnamon, cardamom, and salt. Whisk it together so the spices distribute evenly. Now here's the professional secret: cut your cold butter into small pieces—smaller than you think you need—and work it in using a pastry blender or your fingertips.
The goal is texture that looks like coarse, irregular breadcrumbs with visible butter pieces. You want some flour-covered bits and some actual butter chunks. This creates contrast: some parts melt into cake-like richness, and others stay crispy. Don't overwork it or you'll get a dense, uniform topping.
Stir in your chopped almonds last. This prevents them from getting crushed during the mixing process.