Bybit Card vs Gemini Credit Card

Side-by-side comparison of 2 crypto debit cards

	Bybit Card 3.0/5 self_custodialboth	Gemini Credit Card 4.0/5 self_custodialmastercard
Rating
Overall	3.0/5	4.0/5
Fees
Monthly Fee	None	$0
Issuance Fee	Free	$0
Rewards
Max Cashback	2% (VIP 0-2), 4% (VIP 3), 6% (VIP 4), 8% (VIP 5), 10% (Supreme VIP)	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 staking requirements for rewards (unlike many competitors) Generous cashback rates up to 10% based on VIP level 100% rebates on popular subscriptions (Netflix, Spotify, Amazon Prime, TradingView, ChatGPT) Seamless integration with Bybit's broader ecosystem	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 (unavailable in US, UK, Canada, France, Singapore, China, and other major markets) Restricted selection of supported cryptocurrencies (region-dependent) EEA/Switzerland new users limited to 3 payment crypto assets High foreign exchange fees in some regions (Argentina: 7% + 5% FX fill; Brazil: 1.5% + 3% FX fill)	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