Pera Card (Algorand) vs Gemini Credit Card

Side-by-side comparison of 2 crypto debit cards

	Pera Card (Algorand) self_custodialmastercard	Gemini Credit Card 4.0/5 self_custodialmastercard
Rating
Overall	—	4.0/5
Fees
Monthly Fee	None	$0
Issuance Fee	Free	$0
Rewards
Max Cashback	2.01%	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	True non-custodial design - users maintain complete control of their funds through smart contracts Low fees - no monthly maintenance or purchase transaction fees Smart contract-based settlement with user-controlled deposits and withdrawals No minimum balance requirements or staking needed	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	BETA status - no official general release date announced Virtual card only - no physical card option available Limited cryptocurrency support - only USDCa supported No ATM withdrawals - cannot be used for cash access	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