Curve Pay vs Gemini Credit Card
E-money / FinTech
Crypto native
Verdict
- Curve Pay and Gemini Credit Card have the same overall score (6.0/10).
- Curve Pay is clearly stronger on: Availability, Limits & ATM.
- Gemini Credit Card is clearly stronger on: Cashback & rewards, FX & international, Transparency.
- For 1,500 EUR/month of spend, Gemini Credit Card comes out about 61 EUR a year ahead on base-tier terms.
Curve Pay 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: Cashback & rewards, FX & international, 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 | Curve Pay | Gemini Credit Card |
|---|---|---|
| Fees | 100 | 100 |
| Cashback & rewards | 3 | 30 |
| Availability | 100 | 3 |
| FX & international | 0 | 100 |
| Product features | 70 | 70 |
| Custody & security | 75 | 75 |
| Credit & financing | – | 70 |
| Limits & ATM | 60 | 11 |
| Transparency | 86 | 100 |
| Best for Cashback | 4.1 | 4.8 |
| Best for Travel | 4.6 | 6.7 |
| Best for DeFi Users | n/a | 7.1 |
| Best for High Spenders | 3.5 | 5.9 |
| Best for Low Fees | 6.7 | 8.7 |
| Best for Beginners | 7.8 | 6.8 |
| Best Crypto Credit Card | n/a | 7.2 |
| Best E-Money Card | 6.4 | 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
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
Curve UK Limited (UK) / Curve Europe UAB (EEA)Show source
WebBankShow source
Tiers / plans
Curve Pay · Curve Pay X · Curve Pay Pro · Curve Pay Pro+Show source
Fees
Annual fee
FreeShow source
Monthly fee
FreeConditions apply: tap or hover for detailsShow source
Curve Pay (free plan)
FX fee
2.99%Conditions apply: tap or hover for detailsShow source
Free plan above £250/month fee-free FX; paid plans £3,333–£100,000 fee-free
0%Show source
ATM fee
2% (min. £2)Conditions apply: tap or hover for detailsShow source
No free allowance on the free plan; X £300, Pro £500, Pro+ £1,000 per 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
+1.5% on weekend FX spending (free plan) · 1.5% per transaction on commercial cards · 2.9% when funding through an international payment card above the allowanceShow 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 plan
1%Conditions apply: tap or hover for detailsShow source
Everything else; 2% groceries, 3% dining
Max cashback
1%Conditions apply: tap or hover for detailsShow source
Paid plans: on non-European/non-UK currency spend (X) or selected retailers (Pro/Pro+, capped £25/£50 per month)
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
Curve CashShow 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
FiatShow source
CryptoShow source
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
1% on non-European/non-UK currency spend requires a premium plan (X, Pro or Pro+) · Pro: 1% at 6 chosen retailers up to £25/month; Pro+: 12 retailers up to £50/month · Brand offers up to 20%, usually one-time and activated in app, UK only (coming soon to EEA)Show 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
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
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
Availability
Available in
United Kingdom, EEAShow source
United StatesConditions apply: tap or hover for detailsShow source
US residents only, at application and while the account is open
Features
Apple Pay
YesConditions apply: tap or hover for detailsShow source
Card can be added to Apple Pay for online payments; using Apple Pay for contactless may forfeit cashback and fee-free FX
Google Pay
YesConditions apply: tap or hover for detailsShow source
Card can be added to Google Pay; using Google Pay for contactless may forfeit cashback and fee-free FX
Physical card
YesShow source
YesShow source
Virtual card
YesConditions apply: tap or hover for detailsShow source
Curve Pay digital wallet (free plan); physical card free from Curve Pay X
YesShow source
ATM withdrawals
YesConditions apply: tap or hover for detailsShow source
Fee-free foreign ATM withdrawals only on paid plans (X: up to £/€ 300)
Airport lounge access
NoConditions apply: tap or hover for detailsShow source
Only Curve Pay Pro+ (paid plan); free Curve Pay does not list it
Security & custody
Regulation / licences
FCA-authorised e-money issuer (Curve UK Limited, UK) · Bank of Lithuania e-money licence No. 73 (Curve Europe UAB, EEA)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
NoConditions apply: tap or hover for detailsShow source
Stated for UK customers and for funds on the Curve Cash card
Annual cost at 1,500 EUR/month
Curve Pay
- Annual & monthly fees+0 EUR
- FX costs−108 EUR
- Crypto conversion–
- ATM costs−29 EUR
- Cashback+0 EUR
- Net annual value-136 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