Gemini Credit Card vs Nexo Card
Crypto native
Crypto native
Verdict
- Nexo Card scores higher overall (7.4 vs 5.8 out of 10).
- Gemini Credit Card is clearly stronger on: Cashback & rewards.
- Nexo Card is clearly stronger on: Availability, Custody & security, Credit & financing, Limits & ATM.
- For 1,500 EUR/month of spend, Nexo Card comes out about 10 EUR a year ahead on base-tier terms.
Gemini Credit Card is a good fit for
- Users who need credit rather than a debit/prepaid card
- Frequent travellers
Stronger on: Cashback & rewards
Nexo Card is a good fit for
- Stablecoin holders
- Users who need credit rather than a debit/prepaid card
- Frequent travellers
Stronger on: Availability, Custody & security, Credit & financing, Limits & ATM
★ 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 | Nexo Card |
|---|---|---|
| Fees | 100 | 100 |
| Cashback & rewards | 30 | 13 |
| Availability | 3 | 100 |
| FX & international | 100 | 92 |
| Product features | 70 | 70 |
| Custody & security | 60 | 75 |
| Credit & financing | 70 | 100 |
| Limits & ATM | 11 | 64 |
| Transparency | 100 | 100 |
| Best for Cashback | 4.7 | 5.2 |
| Best for Travel | 6.7 | 8.0 |
| Best for DeFi Users | 6.6 | 7.2 |
| Best for Stablecoins | n/a | 7.4 |
| Best for High Spenders | 5.9 | 5.9 |
| Best for Low Fees | 8.7 | 9.3 |
| Best for Beginners | 6.7 | 8.1 |
| Best Crypto Credit Card | 7.0 | 8.4 |
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
Debit card, Crypto-backed creditConditions apply: tap or hover for detailsShow source
Dual mode: Debit Mode and crypto-backed Credit Mode
Network
MastercardConditions apply: tap or hover for detailsShow source
Mastercard World Elite
MastercardConditions apply: tap or hover for detailsShow source
Network inferred from the Mastercard trademark notice next to the card issuer disclosure
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
DiPocket UABShow source
Fees
Annual fee
FreeShow source
FreeShow source
Monthly fee
FreeShow source
Physical card fee
FreeConditions apply: tap or hover for detailsShow source
Requires at least Gold Loyalty Tier and portfolio above $5,000
Virtual card fee
FreeConditions apply: tap or hover for detailsShow source
Balance of at least $50 required to activate; stays in account
FX fee
0%Show source
0.2%Conditions apply: tap or hover for detailsShow source
Weekdays EEA/UK/CH; weekends 0.7%; rest of world 2% weekdays, 2.5% weekends
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
2% (min. €1.99)Conditions apply: tap or hover for detailsShow source
After the free monthly allowance
Free ATM allowance
€200/monthConditions apply: tap or hover for detailsShow source
Per month, Base Loyalty Tier; Silver €400, Gold €1,000, Platinum €2,000
Other fees & markups
Late payment up to $35 · Returned payment up to $35 · Penalty APR 33.74% variableShow source
Weekend FX surcharge: 0.7% for EEA/UK/CH currencies and 2.5% for other currencies (vs 0.2% / 2% on weekdays)Show source
Cashback & rewards
Base cashback
1%Conditions apply: tap or hover for detailsShow source
Everything else; 2% groceries, 3% dining
0.5%Conditions apply: tap or hover for detailsShow source
Base Loyalty Tier, Credit Mode only, account balance above $5,000 in digital assets; paid in NEXO Tokens (0.1% if paid in BTC)
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%)
2%Conditions apply: tap or hover for detailsShow source
Up to; Credit Mode only, depends on loyalty tier
Cashback paid in
BTC or 50+ cryptos available on GeminiShow source
NEXO Tokens or BitcoinShow source
Cashback type
CryptoShow 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
Credit Mode only · Account balance above $5,000 worth of digital assets · Rate depends on Loyalty TierShow source
Staking / holding required for top rewards
YesConditions apply: tap or hover for detailsShow source
Higher cashback tiers depend on the share of NEXO Tokens held
Staking asset
NEXO TokenShow source
Minimum balance
$5,000Conditions apply: tap or hover for detailsShow source
Digital-asset balance required to earn cashback
Credit & financing
Credit line
YesConditions apply: tap or hover for detailsShow source
Subject to credit approval
YesConditions apply: tap or hover for detailsShow source
Credit Mode
Credit type
Revolving creditShow source
Crypto-backed 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)
1.9%Conditions apply: tap or hover for detailsShow source
'Starting from'; minimum rate
Interest notes
Crypto-backed Credit Line interest starting from 1.9% per year; rates vary by region and loyalty tierShow 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
Repayment
Flexible repayment with no fixed schedule or credit checksShow source
Spend own balance directly
YesConditions apply: tap or hover for detailsShow source
Debit Mode
Spend by borrowing against collateral
YesConditions apply: tap or hover for detailsShow source
Credit Mode
Availability
Available in
United StatesConditions apply: tap or hover for detailsShow source
US residents only
EEA, United KingdomConditions apply: tap or hover for detailsShow source
Page says 'selected European countries'; ID document from the EEA, UK or another eligible European country required
Features
Apple Pay
YesShow source
Google Pay
YesShow source
Physical card
YesShow source
YesConditions apply: tap or hover for detailsShow source
Requires Gold Loyalty Tier and above $5,000 portfolio
Virtual card
YesShow source
YesShow source
ATM withdrawals
YesShow source
Spend stablecoins
YesConditions apply: tap or hover for detailsShow source
Debit Mode
Spendable assets
Stablecoins · Crypto · EURx · USDx · GBPxConditions apply: tap or hover for detailsShow source
Debit Mode; specific coins not listed
Security & custody
Regulation / licences
DiPocket UAB: e-money institution licensed by Bank of Lithuania (licence 75) · Tangany GmbH: BaFin-regulated crypto custody under MiCAR · DLT Securities GmbH: BaFin-regulated under MiCAR and MiFID IIShow source
Deposit protection
NoConditions apply: tap or hover for detailsShow source
Applies to Earn and Borrow products
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
Nexo Card
- Annual & monthly fees+0 EUR
- FX costs−7 EUR
- Crypto conversion–
- ATM costs+0 EUR
- Cashback+90 EUR
- Net annual value83 EUR
Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers