Nexo Card vs Gemini Credit Card

Side-by-side comparison of 2 crypto debit cards

	Nexo Card 2.5/5 custodialmastercard	Gemini Credit Card 4.0/5 self_custodialmastercard
Rating
Overall	2.5/5	4.0/5
Fees
Monthly Fee	€0	$0
Issuance Fee	Free	$0
Rewards
Max Cashback	20.5%	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	custodial	self_custodial
KYC Required	full	No KYC
Pros & Cons
Pros	Unique dual functionality allows both direct spending and borrowing against crypto assets No monthly fees and competitive foreign transaction fees compared to traditional banking cards Higher-tier users can access significant benefits (2% cashback, low interest rates, generous limits) Earn up to 14% annual interest on unspent balances in Debit Mode	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 geographical availability (currently only EEA and UK, with expansion underway) $5,000 minimum portfolio requirement for cashback and full loyalty benefits limits accessibility Physical card ordering temporarily paused since January 17, 2025 Cashback only available in Credit Mode and requires $5,000+ account balance	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