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Gemini Credit Card vs Wirex Card

Gemini Credit Card

Crypto native

5.8
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Wirex Card

Crypto native

6.4
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Verdict

  • Wirex Card scores higher overall (6.4 vs 5.8 out of 10).
  • Gemini Credit Card is clearly stronger on: Credit & financing.
  • Wirex Card is clearly stronger on: Limits & ATM.
  • For 1,500 EUR/month of spend, Wirex Card comes out about 17 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: Credit & financing

Wirex Card is a good fit for

  • Stablecoin holders
  • Frequent travellers

Stronger on: 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
Get the card
Review & sourcesGemini Credit Card vs ether.fi CashWirex Card vs ether.fi Cash

Conditions apply; the review lists them with sources.

Score by criterion

CriterionGemini Credit CardWirex Card
Fees100100
Cashback & rewards3026
Availability3–
FX & international100100
Product features7070
Custody & security60–
Credit & financing7030
Limits & ATM1164
Transparency10093
Best for Cashback4.75.2
Best for Travel6.77.9
Best for DeFi Users6.65.6
Best for Stablecoinsn/a7.4
Best for High Spenders5.95.8
Best for Low Fees8.79.4
Best for Beginners6.77.1
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

Visa / MastercardConditions apply: tap or hover for detailsShow source

Visa or Mastercard depending on region

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
Standard · Premium · EliteConditions apply: tap or hover for detailsShow source

Each plan has Entry tier plus WXT-lock boost tiers (Enhanced/Ultimate)

Fees

Annual fee

FreeShow source
FreeConditions apply: tap or hover for detailsShow source

No annual card fee; paid X-tras plans are billed monthly

Monthly fee

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

Standard plan free; Premium €9.99/month or €102/year; Elite €29.99/month or €306/year

Physical card fee

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

Card issuance free in all regions; delivery fee separate (EEA: 5 EUR untracked, 15 EUR DHL Express)

FX fee

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

As stated on this help article

Top-up fee

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

SEPA (EUR) bank transfer deposit free; local card funding 0% or more depending on currency/country

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%Conditions apply: tap or hover for detailsShow source

EEA: after 200 EUR free monthly

Free ATM allowance

No data yet
€200/monthConditions apply: tap or hover for detailsShow source

EEA, per month

Other fees & markups

Late payment up to $35 · Returned payment up to $35 · Penalty APR 33.74% variableShow source
Card delivery fee in EEA: 5 EUR (DHL WorldMail, untracked) or 15 EUR (DHL Express) · Crypto transfers to external wallets: variable network-based fees · Local card top-up: 0% or more depending on currency and country · One-off GBP 30 administrative fee on account closure for Terms of Service violationsShow 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

Standard plan, Entry tier

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%)

8%Conditions apply: tap or hover for detailsShow source

Elite plan (€29.99/month) at the Ultimate WXT-lock tier

Cashback paid in

BTC or 50+ cryptos available on GeminiShow source
WXTShow source

Cashback type

CryptoShow source
CryptoConditions apply: tap or hover for detailsShow source

Cryptoback rewards program

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
Standard Enhanced 1%: lock 150,000 WXT for 180 days · Premium (€9.99/month): 1% Entry, 2% with 250,000 WXT, 3% with 750,000 WXT locked · Elite (€29.99/month): 4% Entry, 6% with 1,500,000 WXT, 8% with 7,500,000 WXT lockedShow source

Staking / holding required for top rewards

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

Higher tiers require locking WXT for 180 days (e.g. 150,000 WXT for Standard Enhanced)

Staking asset

No data yet
WXTShow source

Reward exclusions

No data yet
Cash withdrawals · TransfersShow source

Credit & financing

Credit line

YesConditions apply: tap or hover for detailsShow source

Subject to credit approval

NoConditions apply: tap or hover for detailsShow source

debit card

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

No data yet

Features

Apple Pay

No data yet
YesShow source

Physical card

YesShow source
YesShow source

Virtual card

YesShow source
YesShow source

ATM withdrawals

No data yet
YesShow source

Spend stablecoins

No data yet
YesShow 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

Wirex Card

  • Annual & monthly fees+0 EUR
  • FX costs+0 EUR
  • Crypto conversion–
  • ATM costs+0 EUR
  • Cashback+90 EUR
  • Net annual value90 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 Wirex Card comparisons