KAST Card vs Gemini Credit Card

Side-by-side comparison of 2 crypto debit cards

	KAST 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
Issuance Fee	See card_tiers	$0
Rewards
Max Cashback	85%	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 conversion fee when spending stablecoins (1:1 conversion) Generous rewards program with up to 8% back in KAST points Instant virtual card issuance with optional physical cards High spending limits with no daily cap	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% foreign exchange fee on non-USD transactions $0.10 fee on non-USD transactions under $25 Relatively high ATM withdrawal fees Custodial wallet with no deposit insurance	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