Utorg Card vs Gemini Credit Card

Side-by-side comparison of 2 crypto debit cards

	Utorg Card 2.5/5 self_custodialboth	Gemini Credit Card 4.0/5 self_custodialmastercard
Rating
Overall	2.5/5	4.0/5
Fees
Monthly Fee	€0	$0
Issuance Fee	€0	$0
Rewards
Max Cashback	None currently available	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 gives users full control over their crypto assets with locally encrypted private keys Zero card issuance and maintenance fees reduce overall costs High €50,000 spending limit accommodates large purchases Currently 0% fees on both EUR and non-EUR transactions (promotional period)	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 card only - no physical card option or ATM access Limited to EEA residents plus Ukraine, excluding many global markets No cashback or rewards program currently available 1% FX fee may return when promotional period ends (per T&Cs)	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