UR Card vs Gemini Credit Card

Side-by-side comparison of 2 crypto debit cards

	UR Card 2.0/5 self_custodialmastercard	Gemini Credit Card 4.0/5 self_custodialmastercard
Rating
Overall	2.0/5	4.0/5
Fees
Monthly Fee	See card_tiers	$0
Issuance Fee	Free	$0
Rewards
Max Cashback	No cashback structure for card spending transactions	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	Swiss FINMA regulation provides institutional-grade oversight and compliance Direct on-chain crypto integration across major networks (Arbitrum, Base, Ethereum, Mantle) Instant virtual card activation with immediate mobile wallet compatibility Pro tier offers 0% crypto off-ramp fees during promotional periods	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	Virtual-only format with no physical card or PIN Fixed spending limits cannot be adjusted based on user needs No deposit insurance coverage under Swiss protection schemes Complete exclusion of U.S. Persons (citizens, residents, green card holders)	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