Exa Card (Uphold) vs Gemini Credit Card
Crypto native
Crypto native
Verdict
- Exa Card (Uphold) scores higher overall (6.5 vs 5.8 out of 10).
- Exa Card (Uphold) is clearly stronger on: Custody & security.
- Gemini Credit Card is clearly stronger on: Product features, Credit & financing.
- A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.
Exa Card (Uphold) is a good fit for
- Users who need credit rather than a debit/prepaid card
Stronger on: Custody & security
Gemini Credit Card is a good fit for
- Users who need credit rather than a debit/prepaid card
- Frequent travellers
Stronger on: Product features, 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 | Exa Card (Uphold) | Gemini Credit Card |
|---|---|---|
| Fees | 100 | 100 |
| Cashback & rewards | – | 30 |
| Availability | – | 3 |
| FX & international | – | 100 |
| Product features | 53 | 70 |
| Custody & security | 70 | 60 |
| Credit & financing | 60 | 70 |
| Limits & ATM | – | 11 |
| Transparency | 100 | 100 |
| Best for Cashback | n/a | 4.7 |
| Best for Travel | n/a | 6.7 |
| Best for DeFi Users | 6.8 | 6.6 |
| Best for High Spenders | n/a | 5.9 |
| Best for Low Fees | 8.0 | 8.7 |
| Best for Beginners | 7.3 | 6.7 |
| Best Crypto Credit Card | 7.0 | 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
Crypto-backed creditShow source
Credit cardShow source
Network
VisaConditions apply: tap or hover for detailsShow source
Visa Signature
MastercardConditions apply: tap or hover for detailsShow source
Mastercard World Elite
Custody model
HybridConditions apply: tap or hover for detailsShow source
Collateral leaves Uphold and is held in Exactly Protocol smart contracts
CustodialConditions apply: tap or hover for detailsShow source
Crypto rewards are deposited into the Gemini account
Card issuer / program manager
Third National; credit by Exactly ProtocolShow source
WebBankShow source
Fees
Annual fee
FreeShow source
FreeShow source
Virtual card fee
FreeConditions apply: tap or hover for detailsShow source
Created automatically with the Instant Credit account
FX fee
0%Show source
ATM fee
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
Late payment up to $35 · Returned payment up to $35 · Penalty APR 33.74% variableShow source
Cashback & rewards
Base cashback
1%Conditions apply: tap or hover for detailsShow source
Everything else; 2% groceries, 3% dining
Max cashback
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
YesShow source
YesConditions apply: tap or hover for detailsShow source
Subject to credit approval
Credit type
InstalmentsConditions apply: tap or hover for detailsShow source
One payment or up to 8 fixed-rate installments every 28 days
Revolving creditShow source
Collateral assets
BTC · ETH · USDC · XRPShow 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)
Interest notes
Fixed APR per payment option, confirmed at purchaseShow source
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
Liquidation risk
YesConditions apply: tap or hover for detailsShow source
Spending limit depends on collateral value and health score
Spend by borrowing against collateral
YesShow 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
NoShow source
YesShow source
Virtual card
YesShow source
YesShow source
Annual cost at 1,500 EUR/month
Exa Card (Uphold)
- Annual & monthly fees+0 EUR
- FX costsunknown
- Crypto conversion–
- ATM costsunknown
- Cashbackunknown
- 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