Swissquote Card vs Gemini Credit Card

Side-by-side comparison of 2 crypto debit cards

	Swissquote Card 2.5/5 self_custodialmastercard	Gemini Credit Card 4.0/5 self_custodialmastercard
Rating
Overall	2.5/5	4.0/5
Fees
Monthly Fee	See card_tiers	$0
Issuance Fee	See card_tiers	$0
Rewards
Max Cashback	0.25% - 1% trading credits depending on tier and transaction type; Elite also offers 0.5% gold cashback	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	Seamless integration of traditional banking and cryptocurrency functionality across all tiers Swiss banking infrastructure with FINMA regulation provides strong security foundation Multi-currency support with approximately 29 currencies under a single IBAN Higher rewards for crypto payments (up to 1% trading credit)	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	Not available to US or Canadian residents Elite tier restricted to Swiss residents only Monthly fees for Bright (CHF 6.90) and Elite (CHF 39) tiers Elite tier requires minimum CHF 100,000 in total assets	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