Gemini Credit Card vs Phantom Cash Card
Crypto native
Crypto native
Verdict
- Gemini Credit Card scores higher overall (5.8 vs 4.0 out of 10).
- Gemini Credit Card is clearly stronger on: Cashback & rewards, Credit & financing.
- Phantom Cash Card is clearly stronger on: Custody & security.
- 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: Cashback & rewards, Credit & financing
Phantom Cash Card is a good fit for
- People who want to keep control of their keys
- Stablecoin holders
Stronger on: Custody & security
★ 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 | Phantom Cash Card |
|---|---|---|
| Fees | 100 | – |
| Cashback & rewards | 30 | 0 |
| Availability | 3 | 3 |
| FX & international | 100 | – |
| Product features | 70 | 70 |
| Custody & security | 60 | 80 |
| Credit & financing | 70 | 30 |
| Limits & ATM | 11 | – |
| Transparency | 100 | 100 |
| Best for Cashback | 4.7 | 2.5 |
| Best for Travel | 6.7 | n/a |
| Best for Self-Custody | n/a | 6.1 |
| Best for DeFi Users | 6.6 | 5.1 |
| Best for Stablecoins | n/a | 5.2 |
| Best for High Spenders | 5.9 | 3.2 |
| Best for Low Fees | 8.7 | n/a |
| Best for Beginners | 6.7 | 5.6 |
| 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 card, Stablecoin cardShow source
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
Self-custodyShow source
Card issuer / program manager
WebBankShow source
Fees
Annual fee
FreeShow source
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
NoneConditions apply: tap or hover for detailsShow source
No purchase cashback; Phantom pays variable Cash Rewards on the balance (rate shown in the app)
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
Cash Rewards on CASH balances: variable APY set by Phantom, paid weekly, no lock-up · Rewards pause at $1,500 per tax year until tax details are providedShow 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
United StatesConditions apply: tap or hover for detailsShow source
Except New York; identity verification required for the card
Account / spend currencies
USD (CASH stablecoin, 1:1)Show source
Features
Apple Pay
YesShow source
Google Pay
YesShow source
Physical card
YesShow source
Virtual card
YesShow source
YesShow source
Spend stablecoins
YesConditions apply: tap or hover for detailsShow source
Spends CASH; USDC, USDT and PYUSD on Solana are swapped into CASH
Blockchains
SolanaShow source
Limits
Spending limit
$2,000Conditions apply: tap or hover for detailsShow source
Per day; automatic review for $5,000 after 30 days
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
Phantom Cash Card
- Annual & monthly feesunknown
- FX costsunknown
- Crypto conversion–
- ATM costsunknown
- Cashback+0 EUR
- Net annual valuenot enough data
Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers