ka. Card vs Gemini Credit Card

Side-by-side comparison of 2 crypto debit cards

	ka. Card 2.0/5 self_custodialvisa	Gemini Credit Card 4.0/5 self_custodialmastercard
Rating
Overall	2.0/5	4.0/5
Fees
Monthly Fee	€1.25	$0
Issuance Fee	—	$0
Rewards
Max Cashback	—	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	No	Yes
Google Pay	No	Yes
Custody	self_custodial	self_custodial
KYC Required	No KYC	No KYC
Pros & Cons
Pros	Low conversion fees for stakers (as low as 0.376% at higher tiers) Integrated virtual IBAN account with SEPA Instant support Staking yields of 3-15% APY on KASTA tokens Supports 8 major cryptocurrencies including BTC, ETH, and stablecoins	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	No cashback rewards on purchases €15 minimum EUR balance required to order card €1.25 monthly maintenance fee and €1 ATM withdrawal fee €1 IBAN deposit/top-up fee	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