Tangem Pay Card vs Gemini Credit Card

Side-by-side comparison of 2 crypto debit cards

	Tangem Pay Card self_custodialvisa	Gemini Credit Card 4.0/5 self_custodialmastercard
Rating
Overall	—	4.0/5
Fees
Monthly Fee	$0	$0
Issuance Fee	$0	$0
Rewards
Max Cashback	None at 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	True self-custody with funds remaining on-chain until spending Zero fees for transactions, conversions, and account maintenance High spending limits ($10,000 per transaction, $50,000 annual) Instant virtual card issuance with mobile wallet integration	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	No rewards, cashback, or incentives at launch USDC on Polygon only - no other cryptocurrency support Limited geographic availability (38 jurisdictions, excludes EU/UK) Requires Tangem hardware wallet ownership ($40-50 additional cost)	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