Solayer Card vs Gemini Credit Card

Side-by-side comparison of 2 crypto debit cards

	Solayer Card 3.0/5 self_custodialvisa	Gemini Credit Card 4.0/5 self_custodialmastercard
Rating
Overall	3.0/5	4.0/5
Fees
Monthly Fee	None	$0
Issuance Fee	See card_tiers	$0
Rewards
Max Cashback	110%	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 model eliminates centralized custody risks No monthly or annual maintenance fees Potential to earn ~4% APY on unspent balances backed by U.S. Treasury bills Dual rewards: 1% cashback plus innovative partner token airdrops and Emerald Points	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 availability in 18 U.S. states and over 60 restricted countries $75 pre-order fee for general waitlist access (though significantly reduced for students) Transaction fees on every purchase (especially higher for international transactions with cross-border fees up to 3%) Currently only supports USDC and sUSD on Solana/SVM (EVM support planned but not yet live)	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