Cypher Card vs Gemini Credit Card

Side-by-side comparison of 2 crypto debit cards

	Cypher 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
Issuance Fee	See card_tiers	$0
Rewards
Max Cashback	Up to 35% in CYPR tokens for engaged users	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	Non-custodial approach gives users maximum control over crypto assets Extensive multi-chain support with 500+ tokens across 25+ blockchains Active CYPR rewards program with epoch-based distribution and boosted merchants Industry-first fraud protection insurance on Premium tier	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	Physical card costs $50 on Standard tier 1.75% foreign exchange fee plus possible bank fees on non-USD transactions Default spending limits require increases via support Limited geographic availability with 17 US state restrictions	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