Bitrefill Card vs Gemini Credit Card

Side-by-side comparison of 2 crypto debit cards

	Bitrefill Card 2.5/5 self_custodialvisa	Gemini Credit Card 4.0/5 self_custodialmastercard
Rating
Overall	2.5/5	4.0/5
Fees
Monthly Fee	€0	$0
Issuance Fee	Free (virtual and physical)	$0
Rewards
Max Cashback	None - no built-in cashback	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	No	Yes
Google Pay	Yes	Yes
Custody	self_custodial	self_custodial
KYC Required	No KYC	No KYC
Pros & Cons
Pros	No monthly or annual maintenance fees Transparent fee structure with no hidden charges Support for multiple cryptocurrencies across various networks including Lightning Network No foreign exchange fees (Visa exchange rate applies)	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	1.99% fixed fee plus variable exchange cost on all cryptocurrency deposits Limited to EU/EEA residents only (excluding Hungary) Not available to US citizens or Russian Federation citizens No built-in cashback or rewards program	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