Wirex Card vs Gemini Credit Card

Side-by-side comparison of 2 crypto debit cards

	Wirex 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	Standard: €0 (free); Premium: €9.99/month; Elite: €29.99/month	$0
Issuance Fee	Free	$0
Rewards
Max Cashback	8%	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	No	Yes
Google Pay	No	Yes
Custody	self_custodial	self_custodial
KYC Required	No KYC	No KYC
Pros & Cons
Pros	High rewards rate – up to 8% Cryptoback™ on purchases, significantly higher than competitors No annual fees and no explicit foreign exchange surcharges Multi-currency support – extensive support for 40+ cryptocurrencies and 12+ fiat currencies Integrated interest earning – X-Accounts offer up to 16% interest on holdings	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	Subscription costs – best features locked behind paid subscription tiers High staking requirements – maximum rewards require substantial WXT token staking Verification issues – some users report difficulties with the identity verification process Geographic limitations – not available in all regions or US states (e.g., New York, Hawaii)	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