Spritz Card vs Gemini Credit Card

Side-by-side comparison of 2 crypto debit cards

	Spritz Card 3.5/5 self_custodialvisa	Gemini Credit Card 4.0/5 self_custodialmastercard
Rating
Overall	3.5/5	4.0/5
Fees
Monthly Fee	None	$0
Issuance Fee	Free	$0
Rewards
Max Cashback	Limited details available; cashback on travel and dining announced for physical card 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	No token staking required for premium benefits Extensive cryptocurrency support beyond typical competitors No foreign exchange fees (0%) for international transactions Competitive 1% base conversion fee (with some network/token surcharges)	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Cons	Card-specific cashback rewards still rolling out (limited details available) Funds cannot be withdrawn once loaded to the card Currently available in only 33 US states (expansion ongoing) Minimum $2 fee per card load	Cannot be used for spending cryptocurrency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