COCA Card vs Gemini Credit Card

Side-by-side comparison of 2 crypto debit cards

	COCA Card 4.0/5 self_custodialmastercard	Gemini Credit Card 4.0/5 self_custodialmastercard
Rating
Overall	4.0/5	4.0/5
Fees
Monthly Fee	€0	$0
Issuance Fee	€0 (virtual); €20 for Starter/Standard physical, Free for Premium/Elite physical	$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	Industry-leading cashback rates (up to 8% for Elite tier) Zero fees for most common transactions (issuance, annual, FX) 50% rebates on popular subscription services (Netflix, Spotify, ChatGPT, Amazon Prime) High daily spending limit (€30,000) across all tiers	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 (no North America, most of Asia/Africa) Supports only stablecoins, not other cryptocurrencies Requires manual conversion before spending (though direct deposit to card address provides automatic conversion) Requires Curve workaround for Apple Pay and Samsung Pay integration	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