Kolo Card vs Gemini Credit Card

Side-by-side comparison of 2 crypto debit cards

	Kolo Card 4.0/5 self_custodialboth	Gemini Credit Card 4.0/5 self_custodialmastercard
Rating
Overall	4.0/5	4.0/5
Fees
Monthly Fee	$0	$0
Issuance Fee	10 USDC (spendable balance)	$0
Rewards
Max Cashback	25%	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	BTC cashback on every spend (2% standard, 5% welcome bonus) No monthly or inactivity fees currently Transparent fee structure with 0% mark-ups on major stablecoins Real-time crypto-to-fiat conversion at point of sale	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	Operating under testing regulatory regime with pending license approval Dynamic spending limits can be reduced to $0 without notice Cash-like transactions restricted (crypto purchases, money orders, P2P funding) Cashback program details not fully disclosed publicly and can change	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