Simple.app Card vs Gemini Credit Card

Side-by-side comparison of 2 crypto debit cards

	Simple.app Card 3.5/5 self_custodialmastercard	Gemini Credit Card 4.0/5 self_custodialmastercard
Rating
Overall	3.5/5	4.0/5
Fees
Monthly Fee	€0	$0
Issuance Fee	€0	$0
Rewards
Max Cashback	Cashback rewards available but specific rate not publicly disclosed as of April 2025	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	Zero monthly and issuance fees for all users No staking requirements to access the card High transaction limits (€15,000 daily) Integrated IBAN account with full SEPA capabilities (Custodial)	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	Custodial EUR card limited to European Economic Area residents only 2.5% fee on international (non-EEA) transactions Physical card not yet available (only virtual currently) E-money account not protected by deposit guarantee schemes	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