SolCard vs Gemini Credit Card

Side-by-side comparison of 2 crypto debit cards

	SolCard 2.5/5 self_custodialboth	Gemini Credit Card 4.0/5 self_custodialmastercard
Rating
Overall	2.5/5	4.0/5
Fees
Monthly Fee	$1.00 per month	$0
Issuance Fee	Approximately €10 (varies; issuer does not publish fixed fee table)	$0
Rewards
Max Cashback	18%	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	Immediate access without lengthy approval processes or credit checks 0% top-up fee for Full Access (KYC) Visa users with limits up to $100,000/month No KYC requirements for Mastercard tier (up to $10,000/month) Direct spending of crypto assets without exchange withdrawal delays	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	5% top-up fee for non-KYC Mastercard tier makes it expensive for frequent or large transactions Virtual cards only with no physical option Visa (Apple/Google Pay) now requires KYC verification Full Access upgrade temporarily unavailable to U.S. residents	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