Phantom Cash Card vs Gemini Credit Card

Side-by-side comparison of 2 crypto debit cards

	Phantom Cash Card self_custodialvisa	Gemini Credit Card 4.0/5 self_custodialmastercard
Rating
Overall	—	4.0/5
Fees
Monthly Fee	$0	$0
Issuance Fee	$0	$0
Rewards
Max Cashback	0% (no active cashback program at launch)	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 self-custody with user-controlled private keys No monthly fees or domestic purchase fees Free ACH transfers and gasless blockchain transactions Instant crypto-to-fiat conversion at point of sale	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	No cashback or rewards program at launch Limited to US users excluding NY and AK Virtual card only with physical card pending ATM withdrawals completely disabled	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