Bitsa Card vs Gemini Credit Card

Side-by-side comparison of 2 crypto debit cards

	Bitsa 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	€0 (Free), €0.99 (Move), €9.99 (Pro)	$0
Issuance Fee	€20 (physical), €2.50 (virtual) - all tiers	$0
Rewards
Max Cashback	15%	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	Simple crypto-to-euro bridge with conversion for everyday spending No staking requirements to access tiered benefits Multiple card management with independent or shared balances No fee for buying cryptocurrency through the 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	Conversion fees range from 1.89% to 2.39% when selling crypto Limited to EEA residents with no global availability Poor customer service ratings with documented responsiveness issues Custodial crypto model with no private keys or external wallet transfers	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