Zypto Card vs Gemini Credit Card

Side-by-side comparison of 2 crypto debit cards

	Zypto 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	See card_tiers ($0-$12 depending on card type)	$0
Issuance Fee	See card_tiers ($0-$50 depending on card type)	$0
Rewards
Max Cashback	ZYP points-based system (1,000 ZYP = $1 USD); rates vary based on Rewards Hub level	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	Industry-leading spending limits (up to $1,000,000 monthly on Premium cards) Single-load virtual cards available in 180+ countries with minimal verification Multiple card options to suit different verification preferences and geographic locations Support for 100+ cryptocurrencies across multiple blockchains	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	Premium physical and reloadable virtual cards have limited geographic availability (specific countries and US states only) Classic physical card lacks 3D Secure authentication and mobile wallet integration Relatively high fees on Classic physical cards ($6 + 4.5% reload fee, $4 + 1% ATM withdrawals) $12 monthly maintenance fee for Classic physical cards	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