Kripi Card vs Gemini Credit Card

Side-by-side comparison of 2 crypto debit cards

	Kripi 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	No direct cashback - token-based rewards only	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	Instant card issuance and crypto conversion within minutes Minimal KYC with privacy-focused transaction monitoring Unlimited virtual cards for budget segmentation and security Multi-chain support with 50+ cryptocurrencies across 6 networks	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 conversion fees (2-4%) with no direct cashback rewards Virtual cards only with no ATM access or physical options Merchant restrictions including Steam, Walmart, Uber, Foodpanda Early-stage platform with limited features and regulatory uncertainty	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