Black Cat Card vs Gemini Credit Card

Side-by-side comparison of 2 crypto debit cards

	Black Cat Card 3.0/5 self_custodialmastercard	Gemini Credit Card 4.0/5 self_custodialmastercard
Rating
Overall	3.0/5	4.0/5
Fees
Monthly Fee	Free for one card; €2/month for additional cards	$0
Issuance Fee	Free (first physical card)	$0
Rewards
Max Cashback	0.5% general (requires €50/month spend), up to 5% on Google Play, 2% on Amazon, 3% at bm.market, up to 7% via Cashback Wheel promo	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	No	Yes
Custody	self_custodial	self_custodial
KYC Required	No KYC	No KYC
Pros & Cons
Pros	No monthly fees or token staking requirements for the standard account Generous rewards (up to 4% interest or various cashback options up to 7%) Free IBAN account with 5 free SEPA transfers monthly Seamless integration between crypto and traditional banking	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 cryptocurrency support (BTC, ETH, USDT, USDC only) Physical card requires EEA address proof for issuance eligibility History of regulatory issues and service disruptions 3% foreign exchange fee for non-EUR transactions (except SEK, CZK, PLN, RON)	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