Deblock Card vs Gemini Credit Card
Crypto native
Crypto native
Verdict
- Gemini Credit Card scores higher overall (5.8 vs 5.6 out of 10).
- Deblock Card is clearly stronger on: Custody & security, Limits & ATM.
- Gemini Credit Card is clearly stronger on: Fees, Cashback & rewards, FX & international, Credit & financing.
- For 1,500 EUR/month of spend, Gemini Credit Card comes out about 91 EUR a year ahead on base-tier terms.
Deblock Card is a good fit for
- Frequent travellers
Stronger on: Custody & security, 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, FX & international, 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 | Deblock Card | Gemini Credit Card |
|---|---|---|
| Fees | 70 | 100 |
| Cashback & rewards | 3 | 30 |
| Availability | – | 3 |
| FX & international | 80 | 100 |
| Product features | 70 | 70 |
| Custody & security | 85 | 60 |
| Credit & financing | 30 | 70 |
| Limits & ATM | 82 | 11 |
| Transparency | 100 | 100 |
| Best for Cashback | 3.8 | 4.7 |
| Best for Travel | 6.8 | 6.7 |
| Best for DeFi Users | 5.7 | 6.6 |
| Best for High Spenders | 4.3 | 5.9 |
| Best for Low Fees | 7.9 | 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
VisaConditions apply: tap or hover for detailsShow source
Deblock is a direct VISA member
MastercardConditions apply: tap or hover for detailsShow source
Mastercard World Elite
Custody model
HybridConditions apply: tap or hover for detailsShow source
Euros safeguarded by the e-money institution; digital assets self-custodied
CustodialConditions apply: tap or hover for detailsShow source
Crypto rewards are deposited into the Gemini account
Card issuer / program manager
Deblock SAS (electronic money institution licensed by the ACPR, CIB 17748)Show source
WebBankShow source
Tiers / plans
Standard · PremiumShow source
Fees
Annual fee
FreeShow source
Monthly fee
FreeConditions apply: tap or hover for detailsShow source
Standard; Premium 10 €/month
FX fee
0.5%Conditions apply: tap or hover for detailsShow source
Standard, weekdays, after €500/month free FX allowance; 1% on weekends; Premium 0% always
0%Show source
Crypto conversion fee
1.99%Conditions apply: tap or hover for detailsShow source
Standard buy/sell/swap fee; Premium 0.49%
ATM fee
1% (min. €1)Conditions apply: tap or hover for detailsShow source
Standard, after 1 free withdrawal or €100/month; Premium & Native after 5 free withdrawals or €1,000/month; ATM operators may add own surcharge
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
€100/monthConditions apply: tap or hover for detailsShow source
Standard; Premium 1,000 €/month
Other fees & markups
Free currency exchange only up to 1,000 €/month on Standard (unlimited on Premium) · Crypto buy/sell/swap fee 1.99% on Standard (0.49% on Premium)Show 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
Standard plan; Premium up to 1%
1%Conditions apply: tap or hover for detailsShow source
Everything else; 2% groceries, 3% dining
Max cashback
1%Conditions apply: tap or hover for detailsShow source
Premium plan (10 €/month)
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
BTC or 50+ cryptos available on GeminiShow source
Cashback type
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
Credit & financing
Credit line
NoConditions apply: tap or hover for detailsShow source
No overdraft; may be considered in the future
YesConditions apply: tap or hover for detailsShow source
Subject to credit approval
Credit type
NoneShow source
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
Apple Pay
YesShow source
Google Pay
YesShow source
Physical card
YesShow source
YesShow source
Virtual card
YesConditions apply: tap or hover for detailsShow source
Standard: 1 virtual card; Premium: 10
YesShow source
ATM withdrawals
YesConditions apply: tap or hover for detailsShow source
Any ATM on the VISA network, also abroad
Limits
ATM limit
€15,000Conditions apply: tap or hover for detailsShow source
Standard; Premium 30,000 €; period not stated
Security & custody
Regulation / licences
Crypto-Asset Service Provider (CASP) licensed by the AMF, no. A2025-001 · Electronic money institution licensed by the ACPR, CIB 17748Show source
Annual cost at 1,500 EUR/month
Deblock Card
- Annual & monthly fees+0 EUR
- FX costs−18 EUR
- Crypto conversion–
- ATM costs+0 EUR
- Cashback+0 EUR
- Net annual value-18 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