Bitpanda Card vs Gemini Credit Card

Side-by-side comparison of 2 crypto debit cards

	Bitpanda Card 3.0/5 self_custodialvisa	Gemini Credit Card 4.0/5 self_custodialmastercard
Rating
Overall	3.0/5	4.0/5
Fees
Monthly Fee	None	$0
Issuance Fee	Free for first card; replacement fee €5.90–€9.90	$0
Rewards
Max Cashback	1%	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 monthly or annual fees for card maintenance 1% crypto cashback on eligible purchases 0% foreign exchange fees from Bitpanda (though Visa mark-up fees may apply) Seamless integration with Bitpanda's investment platform	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 to euro area residents only Bitpanda's usual trading premium/fees applied to each transaction reduce effective rewards 2% ATM withdrawal fee (minimum €2) Each transaction creates a taxable event in most jurisdictions	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