Swype.Fun Card vs Gemini Credit Card

Side-by-side comparison of 2 crypto debit cards

	Swype.Fun Card self_custodialvisa	Gemini Credit Card 4.0/5 self_custodialmastercard
Rating
Overall	—	4.0/5
Fees
Monthly Fee	—	$0
Issuance Fee	$0.00 (free)	$0
Rewards
Max 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	No	Yes
Google Pay	No	Yes
Custody	self_custodial	self_custodial
KYC Required	No KYC	No KYC
Pros & Cons
Pros	Truly non-custodial architecture preserves DeFi principles No need to sell crypto assets to access spending power Continue earning yield on collateral while spending (up to 18% APY advertised) Zero annual fees and no added interest beyond protocol rates	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	Restricted access for HyperEVM (top HypurrFi users only) Mandatory KYC may deter privacy-focused users Virtual card only; no physical card option Moderately high fees for non-USD purchases (1.5%-2% total)	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