Kazepay Card vs Gemini Credit Card

Side-by-side comparison of 2 crypto debit cards

	Kazepay Card 2.5/5 self_custodialvisa	Gemini Credit Card 4.0/5 self_custodialmastercard
Rating
Overall	2.5/5	4.0/5
Fees
Monthly Fee	No monthly or annual fee for virtual cards; possible small maintenance fee for physical cards (details vary)	$0
Issuance Fee	Issuance fees apply (vary by card type/bank)	$0
Rewards
Max Cashback	None - official representatives confirmed no cashback program exists despite marketing materials	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	Multiple virtual card tiers (Silver/Gold) under one account for budgeting and security Zero transaction fees on purchases with real-time crypto-to-fiat conversion Broad global acceptance in 210+ countries No proprietary token staking requirements	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	Stablecoin-only funding (USDT/USDC) - no Bitcoin or Ethereum support Recharge fees: 1.8-2.2% (virtual), 2% (physical) ATM withdrawal fees: 2% + $1 minimum + operator fees Virtual card refunds not guaranteed	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