bunq vs Gemini Credit Card
E-money / FinTech
Crypto native
Verdict
- bunq scores higher overall (7.2 vs 6.0 out of 10).
- bunq is clearly stronger on: Availability, Limits & ATM.
- Gemini Credit Card is clearly stronger on: Cashback & rewards, Transparency.
- For 1,500 EUR/month of spend, bunq comes out about 39 EUR a year ahead on base-tier terms.
bunq is a good fit for
- Users who need credit rather than a debit/prepaid card
- Frequent travellers
Stronger on: Availability, Limits & ATM
Gemini Credit Card is a good fit for
- Users who need credit rather than a debit/prepaid card
- Frequent travellers
Stronger on: Cashback & rewards, Transparency
★ 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 | bunq | Gemini Credit Card |
|---|---|---|
| Fees | 100 | 100 |
| Cashback & rewards | 16 | 30 |
| Availability | 90 | 3 |
| FX & international | 100 | 100 |
| Product features | 70 | 70 |
| Custody & security | 75 | 75 |
| Credit & financing | 70 | 70 |
| Limits & ATM | 70 | 11 |
| Transparency | 86 | 100 |
| Best for Cashback | 5.2 | 4.8 |
| Best for Travel | 8.2 | 6.7 |
| Best for DeFi Users | n/a | 7.1 |
| Best for High Spenders | 5.8 | 5.9 |
| Best for Low Fees | 9.3 | 8.7 |
| Best for Beginners | 7.7 | 6.8 |
| Best Crypto Credit Card | 6.8 | 7.2 |
| Best E-Money Card | 8.9 | 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
Debit card, Credit cardConditions apply: tap or hover for detailsShow source
Debit Card or Credit Card; Credit Card can pay from own money or with an optional Credit Limit
Credit cardShow source
Network
MastercardShow source
MastercardConditions apply: tap or hover for detailsShow source
Mastercard World Elite
Custody model
CustodialConditions apply: tap or hover for detailsShow source
The provider holds the funds
CustodialConditions apply: tap or hover for detailsShow source
Crypto rewards are deposited into the Gemini account
Card issuer / program manager
bunq B.V.Show source
WebBankShow source
Tiers / plans
Free €0 · Core €3.99/mo · Pro €9.99/mo · Elite €18.99/moShow source
Fees
Annual fee
FreeShow source
Monthly fee
FreeConditions apply: tap or hover for detailsShow source
Free plan; Core €3.99, Pro €9.99, Elite €18.99 per month
Physical card fee
€99Conditions apply: tap or hover for detailsShow source
Metal card on Pro and Elite; extra physical cards €9.99 plus a monthly fee
Virtual card fee
FreeShow source
FX fee
0%Conditions apply: tap or hover for detailsShow source
ZeroFX card payments abroad: Free plan up to €1,000 per year (fee beyond not stated on this page); Core, Pro, Elite unlimited
0%Show source
ATM fee
€2.99Conditions apply: tap or hover for detailsShow source
Free plan: €2.99 each; Core/Pro/Elite: €0.99 for the first 5/month, then €2.99; Pro and Elite include 6 free withdrawals/month
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
Other fees & markups
Metal card €99 per card (Pro/Elite)Show source
Late payment up to $35 · Returned payment up to $35 · Penalty APR 33.74% variableShow source
Cashback & rewards
Base cashback
0%Conditions apply: tap or hover for detailsShow source
Programme ended 7 Dec 2025; partner cashback offers still available
1%Conditions apply: tap or hover for detailsShow source
Everything else; 2% groceries, 3% dining
Max cashback
0%Conditions apply: tap or hover for detailsShow source
Cashback programme ended 7 Dec 2025 (previously Elite/Business credit card); partner cashback offers still available
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
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
NoneConditions apply: tap or hover for detailsShow source
Cashback programme ended on 7 December 2025
CryptoShow source
Interest on balance
3.11%Conditions apply: tap or hover for detailsShow source
Savings interest included in every plan incl. Free; variable
Cashback-eligible spend cap
$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
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
Reward exclusions
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
YesConditions apply: tap or hover for detailsShow source
Optional Credit Limit on the Credit Card
YesConditions apply: tap or hover for detailsShow source
Subject to credit approval
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
Spend own balance directly
YesShow source
Availability
Available in
Austria, Belgium, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, SwedenConditions apply: tap or hover for detailsShow source
bunq personal account (all bunq cards require one): citizens and residents of the listed supported EEA countries; non-EU citizens living there may also sign up with suitable documents. Overseas regions/territories excluded. Minors allowed with guardian permission.
United StatesConditions apply: tap or hover for detailsShow source
US residents only, at application and while the account is open
Not available in
AW, BQ, CW, PF, TF, GL, NC, BL, PM, SX, WF, GF, GP, MQ, YT, REConditions apply: tap or hover for detailsShow source
Residents of Overseas Countries and Territories (Aruba, Bonaire, Curaçao, French Polynesia, French Southern and Antarctic Territories, Greenland, New Caledonia, Saba, Saint Barthélemy, Saint Pierre and Miquelon, Sint Eustatius, Sint Maarten, Wallis and Futuna) and French overseas regions (French Guiana, Guadeloupe, Martinique, Mayotte, Réunion) cannot currently open an account. Non-EEA residents can join a country waitlist.
Own IBAN / bank details
YesConditions apply: tap or hover for detailsShow source
Free 3, Core 5, Pro/Elite 25 accounts; local IBAN in your country on all plans
Features
Apple Pay
YesConditions apply: tap or hover for detailsShow source
All plans
Google Pay
YesConditions apply: tap or hover for detailsShow source
All plans
Physical card
YesConditions apply: tap or hover for detailsShow source
Not on Free plan; Core 1 included, Pro/Elite 3 included
YesShow source
Virtual card
YesConditions apply: tap or hover for detailsShow source
Free/Core 1 digital card, Pro/Elite 25
YesShow source
ATM withdrawals
YesShow source
Travel / rental car insurance
NoConditions apply: tap or hover for detailsShow source
Only bunq Elite plan
Limits
ATM limit
€1,000Conditions apply: tap or hover for detailsShow source
Personal accounts, per calendar day per person, for accounts verified 3 months or longer; €250 per day for accounts verified less than 3 months ago. Business: €1,000 per card per day.
Security & custody
Regulation / licences
Full European banking licence issued by De Nederlandsche Bank (DNB)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
Deposit protection
YesConditions apply: tap or hover for detailsShow source
Up to €100,000 via the Dutch Deposit Guarantee Scheme
Annual cost at 1,500 EUR/month
bunq
- Annual & monthly fees+0 EUR
- FX costs+0 EUR
- Crypto conversion–
- ATM costs−36 EUR
- Cashback+0 EUR
- Net annual value-36 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