xPortal Card vs Gemini Credit Card

Side-by-side comparison of 2 crypto debit cards

	xPortal Card 3.0/5 self_custodialmastercard	Gemini Credit Card 4.0/5 self_custodialmastercard
Rating
Overall	3.0/5	4.0/5
Fees
Monthly Fee	See card_tiers	$0
Issuance Fee	See card_tiers	$0
Rewards
Max Cashback	5%	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	True non-custodial approach for crypto assets (user controls private keys) Integration with broader MultiversX ecosystem (staking, DeFi, NFTs) No monthly fees for base tier (Fresh Mint) Competitive cashback rates at higher staking levels (up to 5% planned)	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 geographic availability (EEA only) Minimal to no rewards without significant token staking ~1% crypto-to-fiat conversion fee plus FX fees on transactions Premium tiers with best benefits not yet launched	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