Bing Card vs Gemini Credit Card

Side-by-side comparison of 2 crypto debit cards

	Bing Card 2.5/5 self_custodialboth	Gemini Credit Card 4.0/5 self_custodialmastercard
Rating
Overall	2.5/5	4.0/5
Fees
Monthly Fee	See card_tiers ($0-$1 depending on tier)	$0
Issuance Fee	See card_tiers ($25-$168 depending on tier)	$0
Rewards
Max Cashback	None - No cashback rewards on purchases	Up to 4% on gas, EV charging, transit & rideshares (up to $300 monthly spend, then 1%), 3% on dining, 2% on groceries, 1% on all other purchases
Features
Apple Pay	Yes	Yes
Google Pay	Yes	Yes
Custody	self_custodial	self_custodial
KYC Required	No KYC	No KYC
Pros & Cons
Pros	No KYC for virtual cards - Rare in the crypto card market High spending limits - Up to $200,000 monthly without identity verification Zero crypto-to-fiat conversion fees - No markup when converting crypto to USD/HKD No staking requirements - Unlike competitors requiring token staking for better tiers	No annual fee makes it accessible to most credit-qualified users Instant rewards provide immediate crypto exposure Wide selection of 50+ reward cryptocurrencies offers flexibility Metal card design with enhanced security features
Cons	Not available in the US - Explicitly excludes US persons and residents No rewards program - No cashback or other incentives Unfavorable exchange rate - 0.956 rate when converting USDC to USD (4.4% loss) No conversion back to crypto - Funds cannot be converted back once loaded onto card	Cannot be used for spending cryptocurrency directly Some users report transaction decline issues affecting reliability Limited to US residents only Caps on high-earning reward categories limit maximum benefits