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Bleap vs Gemini Credit Card

Bleap

Crypto native

8.4
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Gemini Credit Card

Crypto native

6.0
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Verdict

  • Bleap scores higher overall (8.4 vs 6.0 out of 10).
  • Bleap is clearly stronger on: Cashback & rewards, Availability, Custody & security, Limits & ATM.
  • Gemini Credit Card is clearly stronger on: Credit & financing.
  • For 1,500 EUR/month of spend, Bleap comes out about 255 EUR a year ahead on base-tier terms.

Bleap is a good fit for

  • People who want to keep control of their keys
  • Stablecoin holders
  • Frequent travellers

Stronger on: Cashback & rewards, Availability, Custody & security, Limits & ATM

Gemini Credit Card is a good fit for

  • Users who need credit rather than a debit/prepaid card
  • Frequent travellers

Stronger on: Credit & financing

★ 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 & sourcesBleap vs ether.fi CashGemini Credit Card vs ether.fi Cash

Conditions apply; the review lists them with sources.

Score by criterion

CriterionBleapGemini Credit Card
Fees100100
Cashback & rewards5630
Availability1003
FX & international100100
Product features7070
Custody & security9575
Credit & financing3070
Limits & ATM10011
Transparency100100
Best for Cashback7.64.8
Best for Travel9.36.7
Best for Self-Custody8.8n/a
Best for DeFi Users7.67.1
Best for Stablecoins8.7n/a
Best for High Spenders7.45.9
Best for Low Fees10.08.7
Best for Beginners8.86.8
Best Crypto Credit Cardn/a7.2

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

Debit cardShow source
Credit cardShow source

Network

MastercardShow source
MastercardConditions apply: tap or hover for detailsShow source

Mastercard World Elite

Custody model

Self-custodyShow source
CustodialConditions apply: tap or hover for detailsShow source

Crypto rewards are deposited into the Gemini account

Card issuer / program manager

Unlimit EU Ltd (programme: Bleap Finance Sp. z o.o.)Show source
WebBankShow source

Fees

Annual fee

FreeConditions apply: tap or hover for detailsShow source

From the comparison table

FreeShow source

Monthly fee

FreeShow source
No data yet

Physical card fee

FreeShow source
No data yet

FX fee

0%Show source
0%Show source

Crypto conversion fee

0%Show source
No data yet

ATM fee

FreeConditions apply: tap or hover for detailsShow source

Free ATM withdrawals worldwide up to EUR 400 per month (cap per FAQ); ATM operator surcharges may apply

3% (min. $10)Conditions apply: tap or hover for detailsShow source

Cash advance: $10 or 3%, whichever is greater; cash advance APR 29.74% from the transaction date

Free ATM allowance

€400/monthConditions apply: tap or hover for detailsShow source

Per month; page says the limit is increasing soon

No data yet

Other fees & markups

No data yet
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

Default rate on all eligible purchases; higher category/merchant rates apply

1%Conditions apply: tap or hover for detailsShow source

Everything else; 2% groceries, 3% dining

Max cashback

20%Conditions apply: tap or hover for detailsShow source

Up to; eligible purchases only — conditions not specified

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

USDCShow source
Eligible digital asset selected by the cardholder; bitcoin by defaultConditions apply: tap or hover for detailsShow source

Cardholder picks from Gemini's list of eligible digital assets and can change the election at any time

Cashback type

StablecoinShow source
CryptoShow source

Interest on balance

4%Conditions apply: tap or hover for detailsShow source

USD balances via Bleap savings feature, variable; homepage separately advertises up to 8% APY saving plans (plan/lock-up conditions not stated on fetched page)

No data yet

Cashback-eligible spend cap

€3,000/monthConditions apply: tap or hover for detailsShow source

Default 1% category: max eligible payment 3000€ per month and 500€ per transaction; category caps differ

$300/monthConditions apply: tap or hover for detailsShow source

Per month, applies to the 4% gas/EV/transit category only (then 1%); spend cycle refreshes on the 1st of each calendar month

Cashback conditions

Earned only once an eligible transaction has settled · Earned automatically, no opt-in · Subject to fair usage caps on eligible payment amount per transaction/month/yearShow source
4% only on the first $300 of gas/EV/transit spend each month, then 1% · 3% dining, 2% groceries, 1% everything else · Spend cycle refreshes on the 1st of each calendar month · Rewards are deposited when the transaction posts; some exclusions apply to instant rewards · 10% Vault Rewards at selected merchants on a limited monthly spend that varies by merchant offerShow source

Staking / holding required for top rewards

NoConditions apply: tap or hover for detailsShow source

No staking and no subscription required

No data yet

Reward exclusions

Money transfers · Financial services · Gambling · Tax payments · Gift cards and cash-like transactions · Utilities · Excluded MCCs (e.g. 6010, 6011, 4900, 5734, 7372)Show source
ATM transactions · Card account fees · Interest charges · Cash advances · Gift cards, prepaid debit cards, traveler's checks, precious metals, casino chips, cryptocurrency, lottery tickets and other cash equivalents · Balance transfers · Credit card convenience checks · Reloading prepaid cards · Gaming-related transactionsConditions apply: tap or hover for detailsShow source

Full list in the Qualifying Purchase Transaction definition; Gemini Constellation may add exclusions at any time

Credit & financing

Credit line

NoShow source
YesConditions apply: tap or hover for detailsShow source

Subject to credit approval

Credit type

NoneShow source
Revolving creditShow source

Interest (APR)

No data yet
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

No data yet
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

Spend own balance directly

YesShow source
No data yet

Availability

Available in

EEA, SwitzerlandConditions apply: tap or hover for detailsShow source

Card not issued to holders of certain nationalities (incl. US, Turkey, UAE) regardless of residence

United StatesConditions apply: tap or hover for detailsShow source

US residents only, at application and while the account is open

Account / spend currencies

EUR · USDShow source
No data yet

Features

Apple Pay

YesShow source
No data yet

Google Pay

YesShow source
No data yet

Physical card

YesConditions apply: tap or hover for detailsShow source

Ships separately

YesShow source

Virtual card

YesConditions apply: tap or hover for detailsShow source

Issued instantly in-app

YesShow source

ATM withdrawals

YesConditions apply: tap or hover for detailsShow source

Free up to €400 per month

No data yet

Spend stablecoins

YesShow source
No data yet

Blockchains

Solana · Base · ArbitrumShow source
No data yet

Security & custody

Regulation / licences

MiCA CASP licence No. 27-55/2026/14 (Bleap SIA, Latvijas Banka)Show source
Gemini Trust Company, LLC NMLS #1518126 · Gemini Moonbase, LLC NMLS #2403509Conditions apply: tap or hover for detailsShow source

Entities offering the rewards program; card issued by WebBank

Annual cost at 1,500 EUR/month

Bleap

  • Annual & monthly fees+0 EUR
  • FX costs+0 EUR
  • Crypto conversion–
  • ATM costs+0 EUR
  • Cashback+180 EUR
  • Net annual value180 EUR

Gemini Credit Card

  • Annual & monthly fees+0 EUR
  • FX costs+0 EUR
  • Crypto conversion–
  • ATM costs−107 EUR
  • Cashback+32 EUR
  • Net annual value-75 EUR

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

More Bleap comparisons

More Gemini Credit Card comparisons