Gemini Credit Card vs MEXC Global Card
Crypto native
Crypto native
Verdict
- MEXC Global Card scores higher overall (6.2 vs 5.8 out of 10).
- Gemini Credit Card is clearly stronger on: Fees, Credit & financing.
- MEXC Global Card is clearly stronger on: Cashback & rewards.
- A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.
Gemini Credit Card is a good fit for
- Users who need credit rather than a debit/prepaid card
- Frequent travellers
Stronger on: Fees, Credit & financing
MEXC Global Card is a good fit for
- Stablecoin holders
- Frequent travellers
Stronger on: Cashback & rewards
★ 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 | Gemini Credit Card | MEXC Global Card |
|---|---|---|
| Fees | 100 | 88 |
| Cashback & rewards | 30 | 55 |
| Availability | 3 | 7 |
| FX & international | 100 | 100 |
| Product features | 70 | 70 |
| Custody & security | 60 | 60 |
| Credit & financing | 70 | 30 |
| Limits & ATM | 11 | – |
| Transparency | 100 | 100 |
| Best for Cashback | 4.7 | 6.0 |
| Best for Travel | 6.7 | 7.4 |
| Best for DeFi Users | 6.6 | 6.4 |
| Best for Stablecoins | n/a | 7.9 |
| Best for High Spenders | 5.9 | 6.7 |
| Best for Low Fees | 8.7 | 8.7 |
| Best for Beginners | 6.7 | 6.8 |
| Best Crypto Credit Card | 7.0 | n/a |
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
Credit cardShow source
Prepaid cardConditions apply: tap or hover for detailsShow source
Funded with USDT from the MEXC Fiat account
Network
MastercardConditions apply: tap or hover for detailsShow source
Mastercard World Elite
VisaShow source
Custody model
CustodialConditions apply: tap or hover for detailsShow source
Crypto rewards are deposited into the Gemini account
CustodialShow source
Card issuer / program manager
WebBankShow source
Tiers / plans
Standard (M-Score 350–599) · Premium (M-Score 600–799) · Elite (M-Score 800+)Show source
Fees
Annual fee
FreeShow source
FreeShow source
Virtual card fee
FreeConditions apply: tap or hover for detailsShow source
Standard USD 20 issuance fee waived for a limited time
FX fee
0%Show source
0%Conditions apply: tap or hover for detailsShow source
Visa exchange rate without markup (the 1% transaction fee still applies)
Crypto conversion fee
0%Show source
Top-up fee
FreeShow 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
Settlement fee
1%Conditions apply: tap or hover for detailsShow source
On every purchase, MEXC Global Card
Other fees & markups
Late payment up to $35 · Returned payment up to $35 · Penalty APR 33.74% variableShow source
Failed transactions: 0.5 USD each when the failed-transaction rate is 20% or moreShow 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%)
10%Conditions apply: tap or hover for detailsShow source
Elite tier (M-Score 800+); 6% Premium, 4% Standard
Cashback paid in
BTC or 50+ cryptos available on GeminiShow source
USDTShow source
Cashback type
CryptoShow source
StablecoinShow source
Interest on balance
7%Conditions apply: tap or hover for detailsShow source
APR in the exclusive MEXC Global Card Earn program (flexible)
Max cashback per month
$800/monthConditions apply: tap or hover for detailsShow source
800 USDT, Elite tier; 300 USDT Premium, 100 USDT Standard
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
Rate set by the M-Score tier on the last day of the month · Paid by the 15th of the following month · Refunded or reversed purchases do not countShow source
Credit & financing
Credit line
YesConditions apply: tap or hover for detailsShow source
Subject to credit approval
NoShow source
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
Philippines, TW, VietnamConditions apply: tap or hover for detailsShow source
Among others; MEXC does not publish the full list
Features
Apple Pay
YesShow source
Google Pay
YesShow source
Physical card
YesShow source
Virtual card
YesShow source
YesShow source
Spend stablecoins
YesShow source
Limits
Spending limit
$1,000,000Conditions apply: tap or hover for detailsShow source
Per day; 80,000 USD per transaction
Annual cost at 1,500 EUR/month
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
MEXC Global Card
- Annual & monthly fees+0 EUR
- FX costs+0 EUR
- Crypto conversion–
- Per-transaction fees−180 EUR
- ATM costsunknown
- Cashbackunknown
- Net annual valuenot enough data
Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers