UGLYCASH Card vs Gemini Credit Card

Side-by-side comparison of 2 crypto debit cards

	UGLYCASH 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 (Free tier) / $20/month (Ridiculously Exclusive)	$0
Issuance Fee	Free (virtual card)	$0
Rewards
Max Cashback	24%	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	Base 1% cashback with no caps on free tier; optional 2-4% cashback for premium members High-yield savings up to 8% APY on USD balances Comprehensive global banking features (U.S. account, European virtual account, Mexican virtual account) Strong regulatory compliance with FinCEN MSB, state money transmission, and international licenses	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 FDIC insurance explicitly confirmed on stablecoin balances (eUSD) Physical card still in development (invite-only access) Premium tier has $2,000 monthly cashback cap before reverting to 1% Limited to personal accounts only, no business banking	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