Crypto.com Visa Card (EEA) vs Gemini Credit Card
Crypto native
Crypto native
Verdict
- Crypto.com Visa Card (EEA) scores higher overall (6.1 vs 5.8 out of 10).
- Crypto.com Visa Card (EEA) is clearly stronger on: Availability, Limits & ATM.
- Gemini Credit Card is clearly stronger on: Fees, Cashback & rewards, Credit & financing.
- A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.
Crypto.com Visa Card (EEA) is a good fit for
- No specific audience can be derived from the published data yet.
Stronger on: Availability, 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 | Crypto.com Visa Card (EEA) | Gemini Credit Card |
|---|---|---|
| Fees | 87 | 100 |
| Cashback & rewards | 9 | 30 |
| Availability | 100 | 3 |
| FX & international | – | 100 |
| Product features | 70 | 70 |
| Custody & security | – | 60 |
| Credit & financing | 30 | 70 |
| Limits & ATM | 64 | 11 |
| Transparency | 100 | 100 |
| Best for Cashback | 4.4 | 4.7 |
| Best for Travel | 6.3 | 6.7 |
| Best for DeFi Users | 4.9 | 6.6 |
| Best for High Spenders | 4.2 | 5.9 |
| Best for Low Fees | 7.6 | 8.7 |
| Best for Beginners | 7.6 | 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
Prepaid 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
Crypto rewards are deposited into the Gemini account
Card issuer / program manager
Foris MT Limited (Malta)Show source
WebBankShow source
Tiers / plans
Basic (previously Midnight) · Plus (previously Ruby) · Pro (previously Jade/Indigo) · Private (previously Icy/Rose/Obsidian)Show source
Fees
Annual fee
FreeShow source
Monthly fee
FreeConditions apply: tap or hover for detailsShow source
Free tier; paid tiers from €3.99/month (€39.90/year) to €24.99/month, or unlocked via 12-month CRO staking
Physical card fee
€4.99Conditions apply: tap or hover for detailsShow source
Midnight/Basic tier; Ruby €24.99 or free depending on Level Up plan/stake
Replacement fee
€45.01Conditions apply: tap or hover for detailsShow source
Midnight; other tiers €50
FX fee
0%Show source
Top-up fee
1%Conditions apply: tap or hover for detailsShow source
Only for top-ups with debit/credit card; minimum top-up €20
ATM fee
2%Conditions apply: tap or hover for detailsShow source
Above the monthly free ATM limit; ATM provider surcharges may apply
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
Free ATM allowance
€200/monthConditions apply: tap or hover for detailsShow source
Free tier, per month; €400 Ruby Steel, €800 Jade Green/Royal Indigo and Icy White/Rose Gold, €1,000 Obsidian
Other fees & markups
Inactivity fee €6 per month after 12 months without card activity (€5 before 1 Oct 2026) · Account closure fee €50Show source
Late payment up to $35 · Returned payment up to $35 · Penalty APR 33.74% variableShow source
Cashback & rewards
Base cashback
0%Conditions apply: tap or hover for detailsShow source
Free tier
1%Conditions apply: tap or hover for detailsShow source
Everything else; 2% groceries, 3% dining
Max cashback
4.5%Conditions apply: tap or hover for detailsShow source
Highest tier; monthly caps apply by tier
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
CROShow source
BTC or 50+ cryptos available on GeminiShow source
Cashback type
Platform tokenShow source
CryptoShow source
Cashback conditions
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
Higher tiers via subscription or 12-month CRO staking
Staking asset
CROShow source
Capital required for top rewards
€450,000Conditions apply: tap or hover for detailsShow source
Obsidian tier (4.5%); 12-month lockup
Reward exclusions
Certain merchant categories or channels are excluded from CRO RewardsShow source
Credit & financing
Credit line
NoConditions apply: tap or hover for detailsShow source
prepaid card, must be topped up
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
EEAShow source
United StatesConditions apply: tap or hover for detailsShow source
US residents only
Account / spend currencies
EURShow source
Features
Apple Pay
YesConditions apply: tap or hover for detailsShow source
EU: available; not available in UK or Bahrain
Google Pay
YesConditions apply: tap or hover for detailsShow source
EU: Google Wallet available, Samsung Wallet not available
Physical card
YesShow source
Virtual card
YesShow source
ATM withdrawals
YesShow source
Airport lounge access
NoConditions apply: tap or hover for detailsShow source
Not included on the entry tier (Midnight Blue); only higher tiers (Jade Green/Royal Indigo with annual subscription, capped 2x/year; Icy White/Rose Gold/Obsidian)
Limits
ATM limit
€2,000Conditions apply: tap or hover for detailsShow source
Daily; monthly €10,000, yearly €75,000; max 3 withdrawals per day
Spending limit
€25,000Conditions apply: tap or hover for detailsShow source
Daily €25,000, monthly €25,000, yearly €250,000; card max balance €25,000
Security & custody
Regulation / licences
Foris MT Limited: electronic money institution authorised by the Malta Financial Services Authority · Foris DAX MT Limited: MiCA crypto-asset service provider authorised by the MFSAShow source
Annual cost at 1,500 EUR/month
Crypto.com Visa Card (EEA)
- Annual & monthly fees+0 EUR
- FX costsunknown
- Crypto conversion–
- ATM costs+0 EUR
- Cashback+0 EUR
- Net annual valuenot enough data
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