Krak Card vs Gemini Credit Card

Side-by-side comparison of 2 crypto debit cards

	Krak Card 3.0/5 self_custodialmastercard	Gemini Credit Card 4.0/5 self_custodialmastercard
Rating
Overall	3.0/5	4.0/5
Fees
Monthly Fee	£0 / €0	$0
Issuance Fee	Free	$0
Rewards
Max Cashback	1% on all eligible purchases	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	Complete fee elimination across all transaction types (FX, ATM, annual, monthly) Generous uncapped 1% cashback with flexible payout options Robust regulatory compliance with MiCA authorization and FCA oversight Premium Mastercard World Elite benefits without 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	Geographic availability limited to UK and EEA only Post-promotional cashback structure uncertain after February 2026 No government deposit insurance protection Limited operational history as recently launched service	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