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Crypto.com Visa Card (EEA) vs Gemini Credit Card

Crypto.com Visa Card (EEA)

Crypto native

6.1
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Gemini Credit Card

Crypto native

6.0
Get the card

Verdict

  • Crypto.com Visa Card (EEA) scores higher overall (6.1 vs 6.0 out of 10).
  • Crypto.com Visa Card (EEA) is clearly stronger on: Availability, Limits & ATM.
  • Gemini Credit Card is clearly stronger on: Fees, Cashback & rewards, Credit & financing.
  • A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.

Crypto.com Visa Card (EEA) is a good fit for

  • No specific audience can be derived from the published data yet.

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: Fees, Cashback & rewards, 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
Get the card
Review & sourcesCrypto.com Visa Card (EEA) vs ether.fi CashGemini Credit Card vs ether.fi Cash

Conditions apply; the review lists them with sources.

Score by criterion

CriterionCrypto.com Visa Card (EEA)Gemini Credit Card
Fees87100
Cashback & rewards930
Availability1003
FX & international–100
Product features7070
Custody & security–75
Credit & financing3070
Limits & ATM6411
Transparency100100
Best for Cashback4.44.8
Best for Travel6.36.7
Best for DeFi Users4.97.1
Best for High Spenders4.25.9
Best for Low Fees7.68.7
Best for Beginners7.66.8
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

Prepaid cardShow source
Credit cardShow source

Network

VisaShow source
MastercardConditions apply: tap or hover for detailsShow source

Mastercard World Elite

Custody model

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

Crypto rewards are deposited into the Gemini account

Card issuer / program manager

Foris MT Limited (Malta)Show source
WebBankShow source

Tiers / plans

Basic (previously Midnight) · Plus (previously Ruby) · Pro (previously Jade/Indigo) · Private (previously Icy/Rose/Obsidian)Show source
No data yet

Fees

Annual fee

No data yet
FreeShow source

Monthly fee

FreeConditions apply: tap or hover for detailsShow source

Free tier; paid tiers from €3.99/month (€39.90/year) to €24.99/month, or unlocked via 12-month CRO staking

No data yet

Physical card fee

€4.99Conditions apply: tap or hover for detailsShow source

Midnight/Basic tier; Ruby €24.99 or free depending on Level Up plan/stake

No data yet

Replacement fee

€45.01Conditions apply: tap or hover for detailsShow source

Midnight; other tiers €50

No data yet

FX fee

No data yet
0%Show source

Top-up fee

1%Conditions apply: tap or hover for detailsShow source

Only for top-ups with debit/credit card; minimum top-up €20

No data yet

ATM fee

2%Conditions apply: tap or hover for detailsShow source

Above the monthly free ATM limit; ATM provider 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

€200/monthConditions apply: tap or hover for detailsShow source

Free tier, per month; €400 Ruby Steel, €800 Jade Green/Royal Indigo and Icy White/Rose Gold, €1,000 Obsidian

No data yet

Other fees & markups

Inactivity fee €6 per month after 12 months without card activity (€5 before 1 Oct 2026) · Account closure fee €50Show 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

Free tier

1%Conditions apply: tap or hover for detailsShow source

Everything else; 2% groceries, 3% dining

Max cashback

4.5%Conditions apply: tap or hover for detailsShow source

Highest tier; monthly caps apply by tier

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

CROShow 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

Platform tokenShow source
CryptoShow source

Cashback-eligible spend cap

No data yet
$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

No data yet
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

YesConditions apply: tap or hover for detailsShow source

Higher tiers via subscription or 12-month CRO staking

No data yet

Staking asset

CROShow source
No data yet

Capital required for top rewards

€450,000Conditions apply: tap or hover for detailsShow source

Obsidian tier (4.5%); 12-month lockup

No data yet

Reward exclusions

Certain merchant categories or channels are excluded from CRO RewardsShow 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

NoConditions apply: tap or hover for detailsShow source

prepaid card, must be topped up

YesConditions apply: tap or hover for detailsShow source

Subject to credit approval

Credit type

No data yet
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

Availability

Available in

EEAShow source
United StatesConditions apply: tap or hover for detailsShow source

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

Account / spend currencies

EURShow source
No data yet

Features

Apple Pay

YesConditions apply: tap or hover for detailsShow source

EU: available; not available in UK or Bahrain

No data yet

Google Pay

YesConditions apply: tap or hover for detailsShow source

EU: Google Wallet available, Samsung Wallet not available

No data yet

Physical card

No data yet
YesShow source

Virtual card

No data yet
YesShow source

ATM withdrawals

YesShow source
No data yet

Airport lounge access

NoConditions apply: tap or hover for detailsShow source

Not included on the entry tier (Midnight Blue); only higher tiers (Jade Green/Royal Indigo with annual subscription, capped 2x/year; Icy White/Rose Gold/Obsidian)

No data yet

Limits

ATM limit

€2,000Conditions apply: tap or hover for detailsShow source

Daily; monthly €10,000, yearly €75,000; max 3 withdrawals per day

No data yet

Spending limit

€25,000Conditions apply: tap or hover for detailsShow source

Daily €25,000, monthly €25,000, yearly €250,000; card max balance €25,000

No data yet

Security & custody

Regulation / licences

Foris MT Limited: electronic money institution authorised by the Malta Financial Services Authority · Foris DAX MT Limited: MiCA crypto-asset service provider authorised by the MFSAShow 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

Crypto.com Visa Card (EEA)

  • Annual & monthly fees+0 EUR
  • FX costsunknown
  • Crypto conversion–
  • ATM costs+0 EUR
  • Cashback+0 EUR
  • Net annual valuenot enough data

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 Crypto.com Visa Card (EEA) comparisons

More Gemini Credit Card comparisons