ZEN Card vs Gemini Credit Card

Side-by-side comparison of 2 crypto debit cards

	ZEN Card 2.5/5 self_custodialmastercard	Gemini Credit Card 4.0/5 self_custodialmastercard
Rating
Overall	2.5/5	4.0/5
Fees
Monthly Fee	See card_tiers (€0 Free, €0.90 Gold, €6.90 Platinum, €6.90 Pro)	$0
Issuance Fee	See card_tiers (€10 for Free, 1st free then €10 for Gold, up to 2 free then €10 for Platinum/Pro)	$0
Rewards
Max Cashback	100%	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	Instant cashback at 800+ merchants with documented €320+ annual user earnings Industry-leading extended warranty adding 1-2 years to electronics purchases Zero foreign exchange fees on Platinum/Pro plans with true interbank rates Comprehensive rewards ecosystem with valuable refund coupons up to €1,000	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	Customer support frequently criticized as slow and unresponsive No deposit insurance (EMI safeguarding instead of government guarantee) No interest paid on balances or traditional banking products Auto-enrollment in Pro trial that charges unless manually downgraded	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