XPlace Card vs Gemini Credit Card

Side-by-side comparison of 2 crypto debit cards

	XPlace Card 3.5/5 self_custodialvisa	Gemini Credit Card 4.0/5 self_custodialmastercard
Rating
Overall	3.5/5	4.0/5
Fees
Monthly Fee	—	$0
Issuance Fee	See card_tiers	$0
Rewards
Max Cashback	2%	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 design preserves user control of private keys Earn DeFi yields while using crypto as collateral Zero foreign transaction fees across all tiers Real-time USDC cashback with no caps disclosed	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	Limited to Solana blockchain assets only High annual fees for premium tiers ($1K-$5K) ATM withdrawals not supported 2.5% origination fee for first credit line usage	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