Uphold Card vs Gemini Credit Card

Side-by-side comparison of 2 crypto debit cards

	Uphold Card 3.0/5 self_custodialboth	Gemini Credit Card 4.0/5 self_custodialmastercard
Rating
Overall	3.0/5	4.0/5
Fees
Monthly Fee	—	$0
Issuance Fee	See card_tiers	$0
Rewards
Max Cashback	1%	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	Broadest asset support (300+ digital assets plus precious metals) Competitive cashback rates up to 10% combined (card + direct deposit) without token staking requirements Real-time conversion eliminates pre-funding friction FDIC insurance on USD Fiat Asset Account balances provides security	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	Extremely limited geographic availability (US and UK only with further exclusions) Promotional cashback rates are time-limited (90 days for card spend; direct deposit rewards subject to caps and participant limits) Customer support quality inconsistent with slow response times Custodial service introduces counterparty risk	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