Stella Card vs Gemini Credit Card

Side-by-side comparison of 2 crypto debit cards

	Stella 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	—	$0
Issuance Fee	Virtual card: Pay-as-you-go fee (disclosed in-app); Physical card: Delivery fee waived after topping up USD 20,000	$0
Rewards
Max Cashback	None	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 annual fees or maintenance charges Free crypto deposits (Stella charges 0%; users only pay blockchain network gas fees) Seamless automatic conversion from crypto to USD at interbank exchange rates Wide acceptance through the Visa network (40M+ merchants)	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 cryptocurrency support compared to some competitors (only BTC, ETH, USDT, USDC for base card) ATM withdrawal fees and free-withdrawal allowances only disclosed in-app Lack of ongoing cashback or rewards program Most fees only disclosed after app registration	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