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Gemini Credit Card vs imToken Card

Gemini Credit Card

Crypto native

6.0
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imToken Card

Crypto native

5.6
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Verdict

  • Gemini Credit Card scores higher overall (6.0 vs 5.6 out of 10).
  • 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.

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

imToken Card is a good fit for

  • Stablecoin holders
  • Frequent travellers

★ 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 & sourcesGemini Credit Card vs ether.fi CashimToken Card vs ether.fi Cash

Conditions apply; the review lists them with sources.

Score by criterion

CriterionGemini Credit CardimToken Card
Fees10088
Cashback & rewards300
Availability3–
FX & international100100
Product features70–
Custody & security7570
Credit & financing7030
Limits & ATM10–
Transparency100100
Best for Cashback4.83.7
Best for Travel6.77.1
Best for DeFi Users7.15.4
Best for Stablecoinsn/a6.8
Best for High Spenders5.94.4
Best for Low Fees8.78.7
Best for Beginners6.86.5
Best Crypto Credit Card7.2n/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
Debit cardConditions apply: tap or hover for detailsShow source

Spends the Fiat24 multi-currency cash account

Network

MastercardConditions apply: tap or hover for detailsShow source

Mastercard World Elite

MastercardShow source

Custody model

CustodialConditions apply: tap or hover for detailsShow source

Crypto rewards are deposited into the Gemini account

HybridConditions apply: tap or hover for detailsShow source

Tokens in the self-custodial imToken wallet; top-ups become a fiat cash account at Fiat24

Card issuer / program manager

WebBankShow source
Fiat24 (Switzerland)Show source

Fees

Annual fee

FreeShow source
FreeShow source

Virtual card fee

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

Account NFT minting fee 0.001 ETH applies

FX fee

0%Show source
0%Show source

Top-up fee

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

Token top-ups; fiat deposits free

ATM fee

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

No data yet

Other fees & markups

Late payment up to $35 · Returned payment up to $35 · Penalty APR 33.74% variableShow source
Account NFT minting fee 0.001 ETH · Additional charges may apply for settlements and exchange rate discrepanciesShow source

Cashback & rewards

Base cashback

1%Conditions apply: tap or hover for detailsShow source

Everything else; 2% groceries, 3% dining

No data yet

Max cashback

4%Conditions apply: tap or hover for detailsShow source

Gas, EV charging and transit, on up to $300 spend a month (then 1%)

No data yet

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

No data yet

Cashback type

CryptoShow source
NoneConditions apply: tap or hover for detailsShow source

A rebate plan is announced

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

No data yet

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
No data yet

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

No data yet

Credit & financing

Credit line

YesConditions apply: tap or hover for detailsShow source

Subject to credit approval

NoShow source

Credit type

Revolving creditShow source
No data yet

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)

No data yet

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
No data yet

Availability

Available in

United StatesConditions apply: tap or hover for detailsShow source

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

No data yet

Account / spend currencies

No data yet
USD · EUR · CHF · CNHShow source

Own IBAN / bank details

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

Swiss IBAN

Features

Physical card

YesShow source
No data yet

Virtual card

YesShow source
No data yet

Spend stablecoins

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

Top up with USDC or USDT

Spendable assets

No data yet
ETH · USDC · USDTConditions apply: tap or hover for detailsShow source

Major ERC-20 tokens for top-ups

Blockchains

No data yet
Ethereum · ArbitrumShow source

Security & custody

Regulation / licences

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

No data yet

Annual cost at 1,500 EUR/month

Gemini Credit Card

  • Annual & monthly fees+0 EUR
  • FX costs+0 EUR
  • Crypto conversion–
  • ATM costs−108 EUR
  • Cashback+32 EUR
  • Net annual value-75 EUR

imToken Card

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

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

More Gemini Credit Card comparisons

More imToken Card comparisons