Coinbase Card vs Gemini Credit Card

Side-by-side comparison of 2 crypto debit cards

	Coinbase Card 3.5/5 self_custodialvisa	Gemini Credit Card 4.0/5 self_custodialmastercard
Rating
Overall	3.5/5	4.0/5
Fees
Monthly Fee	$0	$0
Issuance Fee	$0 (U.S.), £0/€0 (UK/Europe)	$0
Rewards
Max Cashback	4%	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 issuance fees, annual fees, or Coinbase foreign transaction fees Automatic conversion of crypto to fiat at point of sale Wide cryptocurrency support (any supported crypto on Coinbase) No staking requirements to access the card or rewards	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	Hidden costs through conversion spread (percentage not disclosed) Crypto rewards program only available to U.S. cardholders Each transaction creates a taxable event in most jurisdictions Lower reward rates compared to initial launch offerings	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