Mercuryo Spend Card vs Gemini Credit Card

Side-by-side comparison of 2 crypto debit cards

	Mercuryo Spend Card 2.5/5 self_custodialmastercard	Gemini Credit Card 4.0/5 self_custodialmastercard
Rating
Overall	2.5/5	4.0/5
Fees
Monthly Fee	Free (with fair usage)	$0
Issuance Fee	Free	$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	Maintains self-custody of crypto assets until point of transaction Supports 40 cryptocurrencies across multiple blockchains (standard version) Seamless integration with Apple Pay and Google Pay No issuance or monthly fees under fair usage conditions	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	Limited to European Economic Area residents only No physical card option available for consumers €1/month inactivity fee after 3 consecutive months of no use 1% foreign exchange fee for non-EUR spending	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