Mobilum Card vs Gemini Credit Card

Side-by-side comparison of 2 crypto debit cards

	Mobilum Card 2.0/5 self_custodialmastercard	Gemini Credit Card 4.0/5 self_custodialmastercard
Rating
Overall	2.0/5	4.0/5
Fees
Monthly Fee	Virtual: €0.50; Physical: €1.00	$0
Issuance Fee	Virtual: €1.00 (or $1.00 USD); Physical: €7.00 (or $8.00 USD)	$0
Rewards
Max Cashback	None - no cashback or rewards program	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	No staking requirements for card access or benefits Multiple cards available under one account (for different currencies) Strong regulatory compliance across multiple jurisdictions (Poland, Lithuania, US, Canada, Australia) Global acceptance at all Mastercard locations	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	Per-transaction fee on every purchase (€0.25/transaction) No cashback or rewards program to offset fees Custodial model with Mobilum managing user funds 2.5% foreign exchange fee for non-base currency transactions	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