Keytom Card vs Gemini Credit Card

Side-by-side comparison of 2 crypto debit cards

	Keytom 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	10 USDC ($10)	$0
Issuance Fee	$0 (waived)	$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	Unified Platform: Seamlessly integrates crypto wallet, banking services, and payment card Global Accessibility: Available in 126+ countries with worldwide Visa acceptance Quick Onboarding: Verification typically completed within 1-2 hours Strong Security: Insured custody and segregated fiat accounts provide protection	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	High Fees: $10 monthly fee plus transaction fees make it expensive, especially for small purchases Currently Virtual Only: Physical card option not yet available (coming soon) Geographic Restrictions: Unavailable in major markets including US and UK Limited Fiat Currencies: Primarily supports EUR and USD (via USDC)	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