Ledger CL Card vs Gemini Credit Card

Side-by-side comparison of 2 crypto debit cards

	Ledger CL Card 3.0/5 self_custodialvisa	Gemini Credit Card 4.0/5 self_custodialmastercard
Rating
Overall	3.0/5	4.0/5
Fees
Monthly Fee	None	$0
Issuance Fee	Free (€0.00)	$0
Rewards
Max Cashback	1% in BTC/USDC (US) or BTC/USDT (other countries); 2% in BXX token	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	Self-custody until card top-up, providing enhanced security Seamless integration with Ledger's hardware wallet ecosystem Competitive 1-2% cashback rates without staking requirements No monthly fees with simple single-tier system	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 combined fees (1.75% conversion + 2% card spend = 3.75% total) significantly erode cashback benefits Limited to EEA, UK, US (excluding NY and VT), Canada, Switzerland, Colombia, Mexico, and Brazil Must pre-fund card before spending (debit card model) Some pre-authorization transactions may be unsupported; standing orders not supported	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