Bit2Me Card vs Gemini Credit Card

Side-by-side comparison of 2 crypto debit cards

	Bit2Me Card 3.5/5 self_custodialmastercard	Gemini Credit Card 4.0/5 self_custodialmastercard
Rating
Overall	3.5/5	4.0/5
Fees
Monthly Fee	€0	$0
Issuance Fee	Free (virtual); €0-€20 (physical, varies by tier)	$0
Rewards
Max Cashback	7%	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	Industry-leading cashback rates of up to 7% base (potentially 39% with ecosystem bonuses) No maintenance fees for virtual or physical cards Flexible crypto wallet switching without additional steps Mobile wallet integration with Apple Pay and Google Pay	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	Limited geographic availability (select EEA countries and Argentina only; Ireland excluded) Argentina users receive virtual card only with different cashback structure (max 3.5%) Physical card delivery initially prioritized for Spain (€5 surcharge outside Spain) Tiered benefits system disadvantages lower-tier users (Level 0 receives no cashback)	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