CoinZoom Visa Card vs Gemini Credit Card
Crypto native
Crypto native
Verdict
- CoinZoom Visa Card scores higher overall (6.2 vs 5.8 out of 10).
- CoinZoom Visa Card is clearly stronger on: Limits & ATM.
- Gemini Credit Card is clearly stronger on: Fees, Cashback & rewards, Credit & financing.
- For 1,500 EUR/month of spend, CoinZoom Visa Card comes out about 17 EUR a year ahead on base-tier terms.
CoinZoom Visa Card is a good fit for
- Stablecoin holders
- Frequent travellers
Stronger on: Limits & ATM
Gemini Credit Card is a good fit for
- Users who need credit rather than a debit/prepaid card
- Frequent travellers
Stronger on: Fees, Cashback & rewards, Credit & financing
★ Our pickEditorial choice · score unchanged · Affiliate link
Neither card is our pick. The card we recommend instead:
Crypto native · ether.fi
Why we recommend it
- 3% cashback in ETHFI on up to $2,000 of spend a monthConditions apply
- 5.35% variable interest on your balanceConditions apply
- No annual or monthly fee on the base tierConditions apply
- Extras on the base tier: airport lounge access, travel / rental car insurance, purchase protectionConditions apply
- Self-custody: funds stay in your own walletConditions apply
Conditions apply; the review lists them with sources.
Score by criterion
| Criterion | CoinZoom Visa Card | Gemini Credit Card |
|---|---|---|
| Fees | 82 | 100 |
| Cashback & rewards | 18 | 30 |
| Availability | – | 3 |
| FX & international | 100 | 100 |
| Product features | 70 | 70 |
| Custody & security | 60 | 60 |
| Credit & financing | 30 | 70 |
| Limits & ATM | 100 | 11 |
| Transparency | 93 | 100 |
| Best for Cashback | 4.8 | 4.7 |
| Best for Travel | 8.1 | 6.7 |
| Best for DeFi Users | 5.5 | 6.6 |
| Best for Stablecoins | 7.0 | n/a |
| Best for High Spenders | 5.6 | 5.9 |
| Best for Low Fees | 9.1 | 8.7 |
| Best for Beginners | 6.8 | 6.7 |
| Best Crypto Credit Card | n/a | 7.0 |
Conditions apply, e.g. only for the base tier, up to a monthly cap or in some countries. Tap a value with * (or hover over it) to see them.
Product
Product status
ActiveShow source
ActiveShow source
Card type
Debit cardShow source
Credit cardShow source
Network
VisaShow source
MastercardConditions apply: tap or hover for detailsShow source
Mastercard World Elite
Custody model
CustodialConditions apply: tap or hover for detailsShow source
Spends assets held in the CoinZoom wallet
CustodialConditions apply: tap or hover for detailsShow source
Crypto rewards are deposited into the Gemini account
Card issuer / program manager
WebBankShow source
Tiers / plans
Non-Prime · Silver (10,000 ZOOM) · Gold (50,000 ZOOM) · Diamond (150,000 ZOOM) · Black (300,000 ZOOM)Show source
Fees
Annual fee
FreeConditions apply: tap or hover for detailsShow source
On every tier
FreeShow source
Physical card fee
$5Conditions apply: tap or hover for detailsShow source
Standard shipping for Non-Prime ($12 expedited); free from Silver
Virtual card fee
FreeShow source
FX fee
0%Conditions apply: tap or hover for detailsShow source
Network conversion rates may apply
0%Show source
Crypto conversion fee
1.49%Conditions apply: tap or hover for detailsShow source
Crypto liquidation when spending crypto
Top-up fee
FreeConditions apply: tap or hover for detailsShow source
ACH and RTP free; debit/credit card and Apple/Google Pay deposits 3.99%; wire $12
ATM fee
FreeConditions apply: tap or hover for detailsShow source
No CoinZoom fee, domestic and international; ATM operators may charge
3% (min. $10)Conditions apply: tap or hover for detailsShow source
Cash advance: $10 or 3%, whichever is greater; cash advance APR from the transaction date
Other fees & markups
Declined card payment (insufficient funds) $0.50 · Chargeback $100 · Virtual card reissuance 1,000 ZOOMShow source
Late payment up to $35 · Returned payment up to $35 · Penalty APR 33.74% variableShow source
Cashback & rewards
Base cashback
0.5%Conditions apply: tap or hover for detailsShow source
Non-Prime, no ZOOM required
1%Conditions apply: tap or hover for detailsShow source
Everything else; 2% groceries, 3% dining
Max cashback
5%Conditions apply: tap or hover for detailsShow source
Black tier: hold 300,000 ZOOM
4%Conditions apply: tap or hover for detailsShow source
Gas, EV charging and transit, on up to $300 spend a month (then 1%)
Cashback paid in
ZOOMShow source
BTC or 50+ cryptos available on GeminiShow source
Cashback type
Platform tokenShow source
CryptoShow source
Cashback conditions
Silver 1% (10,000 ZOOM), Gold 2% (50,000), Diamond 3% (150,000), Black 5% (300,000)Show source
4% only on the first $300 of gas/EV/transit spend each month, then 1% · 3% dining, 2% groceries, 1% everything else · Rewards are deposited when the transaction posts; some exclusions apply · Up to 10% back at selected merchants (offers vary)Show source
Staking / holding required for top rewards
YesConditions apply: tap or hover for detailsShow source
Holding ZOOM, no lock-up
Staking asset
ZOOMShow source
Credit & financing
Credit line
NoShow source
YesConditions apply: tap or hover for detailsShow source
Subject to credit approval
Credit type
Revolving creditShow source
Interest (APR)
16.74%Conditions apply: tap or hover for detailsShow source
16.74% to 34.74% variable purchase APR based on creditworthiness (Prime Rate 7.00% on 25 Sep 2026)
Grace period
Payment due at least 25 days after each billing cycle closes; no interest on purchases when the full balance is paid by the due dateShow source
Availability
Available in
United StatesConditions apply: tap or hover for detailsShow source
US residents only
Features
Physical card
YesShow source
YesShow source
Virtual card
YesShow source
YesShow source
ATM withdrawals
YesShow source
Spend stablecoins
YesShow source
Limits
ATM limit
$200Conditions apply: tap or hover for detailsShow source
Per day, Non-Prime
Annual cost at 1,500 EUR/month
CoinZoom Visa Card
- Annual & monthly fees+0 EUR
- FX costs+0 EUR
- Crypto conversion–
- ATM costs+0 EUR
- Cashback+90 EUR
- Net annual value90 EUR
Gemini Credit Card
- Annual & monthly fees+0 EUR
- FX costs+0 EUR
- Crypto conversion–
- ATM costs−107 EUR
- Cashback+180 EUR
- Net annual value73 EUR
Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers