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Exa Card (Uphold) vs Gemini Credit Card

Exa Card (Uphold)

Crypto native

6.5
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Gemini Credit Card

Crypto native

6.0
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Verdict

  • Exa Card (Uphold) scores higher overall (6.5 vs 6.0 out of 10).
  • Gemini Credit Card is clearly stronger on: Product features, Credit & financing.
  • A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.

Exa Card (Uphold) is a good fit for

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

Gemini Credit Card is a good fit for

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

Stronger on: Product features, 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 & sourcesExa Card (Uphold) vs ether.fi CashGemini Credit Card vs ether.fi Cash

Conditions apply; the review lists them with sources.

Score by criterion

CriterionExa Card (Uphold)Gemini Credit Card
Fees100100
Cashback & rewards–30
Availability–3
FX & international–100
Product features5370
Custody & security7075
Credit & financing6070
Limits & ATM–11
Transparency100100
Best for Cashbackn/a4.8
Best for Traveln/a6.7
Best for DeFi Users6.87.1
Best for High Spendersn/a5.9
Best for Low Fees8.08.7
Best for Beginners7.36.8
Best Crypto Credit Card7.07.2

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

Crypto-backed creditShow source
Credit cardShow source

Network

VisaConditions apply: tap or hover for detailsShow source

Visa Signature

MastercardConditions apply: tap or hover for detailsShow source

Mastercard World Elite

Custody model

HybridConditions apply: tap or hover for detailsShow source

Collateral leaves Uphold and is held in Exactly Protocol smart contracts

CustodialConditions apply: tap or hover for detailsShow source

Crypto rewards are deposited into the Gemini account

Card issuer / program manager

Third National; credit by Exactly ProtocolShow source
WebBankShow source

Fees

Annual fee

FreeShow source
FreeShow source

Virtual card fee

FreeConditions apply: tap or hover for detailsShow source

Created automatically with the Instant Credit account

No data yet

FX fee

No data yet
0%Show source

ATM fee

No data yet
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

No data yet
Late payment up to $35 · Returned payment up to $35 · Penalty APR 33.74% variableShow source

Cashback & rewards

Base cashback

No data yet
1%Conditions apply: tap or hover for detailsShow source

Everything else; 2% groceries, 3% dining

Max cashback

No data yet
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

No data yet
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

No data yet
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

Reward exclusions

No data yet
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

YesShow source
YesConditions apply: tap or hover for detailsShow source

Subject to credit approval

Credit type

InstalmentsConditions apply: tap or hover for detailsShow source

One payment or up to 8 fixed-rate installments every 28 days

Revolving creditShow source

Collateral assets

BTC · ETH · USDC · XRPShow source
No data yet

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)

Interest notes

Fixed APR per payment option, confirmed at purchaseShow source
No data yet

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

Liquidation risk

YesConditions apply: tap or hover for detailsShow source

Spending limit depends on collateral value and health score

No data yet

Spend by borrowing against collateral

YesShow source
No data yet

Availability

Available in

No data yet
United StatesConditions apply: tap or hover for detailsShow source

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

Features

Apple Pay

YesShow source
No data yet

Google Pay

YesShow source
No data yet

Physical card

NoShow source
YesShow source

Virtual card

YesShow source
YesShow source

Security & custody

Regulation / licences

No data yet
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

Exa Card (Uphold)

  • Annual & monthly fees+0 EUR
  • FX costsunknown
  • Crypto conversion–
  • ATM costsunknown
  • Cashbackunknown
  • 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 Exa Card (Uphold) comparisons

More Gemini Credit Card comparisons