Kemy Card vs Gemini Credit Card

Side-by-side comparison of 2 crypto debit cards

	Kemy Card 2.5/5 self_custodialboth	Gemini Credit Card 4.0/5 self_custodialmastercard
Rating
Overall	2.5/5	4.0/5
Fees
Monthly Fee	See card_tiers	$0
Issuance Fee	See card_tiers	$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	Yes	Yes
Google Pay	Yes	Yes
Custody	self_custodial	self_custodial
KYC Required	No KYC	No KYC
Pros & Cons
Pros	High spending limits ($100,000/month virtual, $400,000 balance physical) suitable for business use Instant issuance of virtual cards after KYC verification Ability to create unlimited virtual cards under one account Global acceptance at online merchants accepting Visa/Mastercard	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	Full KYC required - not suitable for users seeking anonymity High fee structure (up to 8-13% of funds in combined fees depending on usage) Virtual cards limited to online purchases only No cashback or rewards program on spending	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