Bit Store Card vs Gemini Credit Card

Side-by-side comparison of 2 crypto debit cards

	Bit Store 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	€1 ($1 USD) per active card	$0
Issuance Fee	See card_tiers	$0
Rewards
Max Cashback	0.51%	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 virtual card option is rare in the industry and appeals to privacy-focused users Broad global availability across 150+ countries exceeds many competitors Support for 40+ cryptocurrencies including BRC-20 tokens provides flexibility No staking requirements to access card benefits, unlike some competitors	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	Critical reliability issues continuing throughout 2025 with many users unable to access funds for months Monthly maintenance fees continue even during extended service outages Poor customer support responsiveness during service disruptions Fully custodial model with no mentioned insurance presents security risks	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