Osmosis Pay Card vs Gemini Credit Card

Side-by-side comparison of 2 crypto debit cards

	Osmosis Pay Card 3.5/5 self_custodialvisa	Gemini Credit Card 4.0/5 self_custodialmastercard
Rating
Overall	3.5/5	4.0/5
Fees
Monthly Fee	—	$0
Issuance Fee	Free (virtual), $50 (physical - shipping & production fee)	$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	Non-custodial model - crypto remains in user's Osmosis wallet until conversion Direct integration with Osmosis DEX and Cosmos ecosystem No staking requirements or monthly maintenance fees Seamless integration with existing Osmosis wallets	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	New US signups currently not supported (operational restriction) Up to $20,000 daily spending limit ($60,000 monthly) on Premium; $10,000 daily ($30,000 monthly) on Standard Up to $2,000 daily ATM withdrawal limit ($10,000 monthly) on Premium 2% foreign currency conversion fee (Standard) / 1% (Premium) using Visa exchange rate	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