Tuyo Card vs Gemini Credit Card

Side-by-side comparison of 2 crypto debit cards

	Tuyo 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	$0
Issuance Fee	$0	$0
Rewards
Max Cashback	TUYO rewards - rates not published as fixed percentages; vary by season and in-app multipliers	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	Self-custodial model maintains true crypto ethos of user control No annual fees or maintenance charges No staking requirements to access the card Free fiat-to-USDC conversion for deposits	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 to USDC on Base network for spending (other cryptocurrencies require manual conversion) Virtual card only; physical card not yet available ATM withdrawals and PIN functionality not supported TUYO reward rates not published as fixed percentages; vary by season	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