Zebec Card vs Gemini Credit Card

Side-by-side comparison of 2 crypto debit cards

	Zebec 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	—	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 Base Fees for Silver and Carbon tiers (no issuance, monthly, or transaction fees) Non-Custodial Approach allows users to retain control of their crypto until the moment of spending Extensive Multi-Chain Support across 150+ tokens and 18 major blockchains provides flexibility for users with diverse crypto holdings Minimal KYC Requirements (especially for U.S. users) offer greater privacy compared to many alternatives	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	Variable FX and Conversion Fees can apply despite 'zero-fee' marketing, with costs varying by token and currency ZBCN Staking Requirement for airdrop eligibility ($500 minimum) creates a barrier to rewards Merchant Category Restrictions prevent using the card for financial services, crypto purchases, and other monetary applications Primarily Virtual Cards may be inconvenient for users who prefer physical cards or need to use them at terminals that don't accept contactless payments	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