Xapo Bank Card vs Gemini Credit Card

Side-by-side comparison of 2 crypto debit cards

	Xapo Bank 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	$0 for metal card (current members)	$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	Zero foreign exchange fees make it ideal for international use Up to 1.0% Bitcoin cashback on eligible purchases Competitive interest rates on both USD and Bitcoin balances, paid daily in BTC Military-grade security with institutional custody	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	High annual membership fee ($1,000) prices out casual users Not available to US residents and US passport holders Fully custodial model means users don't control their private keys Limited free ATM withdrawals ($100/month)	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