THORWallet Card vs Gemini Credit Card

Side-by-side comparison of 2 crypto debit cards

	THORWallet Card 3.0/5 self_custodialmastercard	Gemini Credit Card 4.0/5 self_custodialmastercard
Rating
Overall	3.0/5	4.0/5
Fees
Monthly Fee	None	$0
Issuance Fee	See card_tiers (Free to 15 ETH depending on tier)	$0
Rewards
Max Cashback	Coming soon (targeted Q4 2025)	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	Non-custodial approach preserves crypto self-custody until conversion Swiss banking infrastructure provides exceptional security and reliability No monthly or annual maintenance fees across all tiers High spending and transfer limits, especially for premium tiers	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	Currently virtual card only with no physical card option Card-spend cashback still in development (targeted Q4 2025, not yet live) Significant upfront costs for Gold (1.5 ETH) and Platinum (15 ETH) tiers Limited to three cryptocurrencies for direct bank account top-up	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