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Gemini Credit Card vs Uphold Debit Card (US)

Gemini Credit Card

Crypto native

5.8
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Uphold Debit Card (US)

Crypto native

5.6
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Verdict

  • Gemini Credit Card scores higher overall (5.8 vs 5.6 out of 10).
  • Gemini Credit Card is clearly stronger on: FX & international, Credit & financing.
  • Uphold Debit Card (US) is clearly stronger on: Cashback & rewards, Limits & ATM.
  • For 1,500 EUR/month of spend, Uphold Debit Card (US) comes out about 202 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: FX & international, Credit & financing

Uphold Debit Card (US) is a good fit for

  • Stablecoin holders
  • Everyday spenders who want cashback

Stronger on: Cashback & rewards, Limits & ATM

★ Our pickEditorial choice · score unchanged · Affiliate link

Neither card is our pick. The card we recommend instead:

ether.fi Cash

Crypto native · ether.fi

8.1

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
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Review & sourcesGemini Credit Card vs ether.fi CashUphold Debit Card (US) vs ether.fi Cash

Conditions apply; the review lists them with sources.

Score by criterion

CriterionGemini Credit CardUphold Debit Card (US)
Fees10099
Cashback & rewards3050
Availability33
FX & international10040
Product features7070
Custody & security60–
Credit & financing7030
Limits & ATM1174
Transparency100100
Best for Cashback4.75.7
Best for Travel6.75.7
Best for DeFi Users6.65.8
Best for Stablecoinsn/a6.7
Best for High Spenders5.96.0
Best for Low Fees8.78.1
Best for Beginners6.76.8
Best Crypto Credit Card7.0n/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
Debit 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

No data yet

Card issuer / program manager

WebBankShow source
No data yet

Tiers / plans

No data yet
Essential (no annual fee) · Elite ($99.99/year)Show source

Fees

Annual fee

FreeShow source
FreeConditions apply: tap or hover for detailsShow source

Essential; Elite $99.99/year

Physical card fee

No data yet
$4.99Conditions apply: tap or hover for detailsShow source

Essential

FX fee

0%Show source
1.5%Conditions apply: tap or hover for detailsShow source

Essential; Elite has no foreign transaction fees

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

$2.95Conditions apply: tap or hover for detailsShow source

Essential; Elite has no ATM fees

Other fees & markups

Late payment up to $35 · Returned payment up to $35 · Penalty APR 33.74% variableShow source
No data yet

Cashback & rewards

Base cashback

1%Conditions apply: tap or hover for detailsShow source

Everything else; 2% groceries, 3% dining

2%Conditions apply: tap or hover for detailsShow source

Essential, paid in XRP

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%)

4%Conditions apply: tap or hover for detailsShow source

Elite ($99.99/yr) on crypto- or metal-funded purchases; 3% when funded by fiat or stablecoins

Cashback paid in

BTC or 50+ cryptos available on GeminiShow source
XRP (or other crypto at Uphold's discretion)Show source

Cashback type

CryptoShow source
CryptoShow source

Interest on balance

No data yet
3%Conditions apply: tap or hover for detailsShow source

Up to 3% APY on stablecoin balances; variable; no paid plan stated on page

Max cashback per month

No data yet
$120/monthConditions apply: tap or hover for detailsShow source

Essential; Elite $300/month

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
No data yet

Credit & financing

Credit line

YesConditions apply: tap or hover for detailsShow source

Subject to credit approval

NoShow source

Credit type

Revolving creditShow source
No data yet

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)

No data yet

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
No data yet

Availability

Available in

United StatesConditions apply: tap or hover for detailsShow source

US residents only

United StatesConditions apply: tap or hover for detailsShow source

Not in Louisiana, New York or US territories

Features

Apple Pay

No data yet
YesConditions apply: tap or hover for detailsShow source

When available

Google Pay

No data yet
YesConditions apply: tap or hover for detailsShow source

When available

Physical card

YesShow source
YesConditions apply: tap or hover for detailsShow source

Essential: plastic $4.99; Elite: metal $0

Virtual card

YesShow source
YesConditions apply: tap or hover for detailsShow source

Essential and Elite: $0

ATM withdrawals

No data yet
YesConditions apply: tap or hover for detailsShow source

Essential: $2.95 per withdrawal; Elite: $0

Spend stablecoins

No data yet
YesShow source

Security & custody

Regulation / licences

No data yet
USD balances held at Cross River Bank, Member FDIC (pass-through insurance up to $250,000 if conditions are met) · Uphold is not a bankShow source

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

Uphold Debit Card (US)

  • Annual & monthly fees+0 EUR
  • FX costs−54 EUR
  • Crypto conversion–
  • ATM costs−32 EUR
  • Cashback+360 EUR
  • Net annual value274 EUR

Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers

More Gemini Credit Card comparisons

More Uphold Debit Card (US) comparisons