FNT Crypto Card vs Gemini Credit Card

Side-by-side comparison of 2 crypto debit cards

	FNT Crypto Card 2.5/5 self_custodialmastercard	Gemini Credit Card 4.0/5 self_custodialmastercard
Rating
Overall	2.5/5	4.0/5
Fees
Monthly Fee	€15/month (verify in app/ordering flow)	$0
Issuance Fee	€32 (Physical) / €10 (Virtual) - reduced by tier discounts (10-40%)	$0
Rewards
Max Cashback	Tier-based cashback benefits referenced in official materials (availability and rates unclear)	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	Zero transaction fees on purchases and no FX markups in native currency Tiered membership system offering substantial discounts (up to 40%) Support for multiple blockchain networks provides flexibility and potential fee savings Seamless Telegram integration simplifies the user experience	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	2% top-up fee represents the main cost of using the service Monthly (€15) or annual (€150) maintenance fees may apply Geographic availability currently limited to Europe for physical cards Benefits heavily tied to FNTIO token holdings	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