Gemini Credit Card vs Krak Card
Crypto native
Crypto native
Verdict
- Krak Card scores higher overall (7.4 vs 6.0 out of 10).
- Gemini Credit Card is clearly stronger on: Credit & financing.
- Krak Card is clearly stronger on: Availability, Limits & ATM.
- For 1,500 EUR/month of spend, Krak Card comes out about 75 EUR a year ahead on base-tier terms.
Gemini Credit Card is a good fit for
- Users who need credit rather than a debit/prepaid card
- Frequent travellers
Stronger on: Credit & financing
Krak Card is a good fit for
- Frequent travellers
Stronger on: Availability, Limits & ATM
★ 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 | Gemini Credit Card | Krak Card |
|---|---|---|
| Fees | 100 | 100 |
| Cashback & rewards | 30 | 21 |
| Availability | 3 | 93 |
| FX & international | 100 | 100 |
| Product features | 70 | 70 |
| Custody & security | 75 | 75 |
| Credit & financing | 70 | 30 |
| Limits & ATM | 11 | 100 |
| Transparency | 100 | 100 |
| Best for Cashback | 4.8 | 5.7 |
| Best for Travel | 6.7 | 8.8 |
| Best for DeFi Users | 7.1 | 6.3 |
| Best for High Spenders | 5.9 | 6.0 |
| Best for Low Fees | 8.7 | 10.0 |
| Best for Beginners | 6.8 | 8.1 |
| Best Crypto Credit Card | 7.2 | 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
Debit cardShow source
Network
MastercardConditions apply: tap or hover for detailsShow source
Mastercard World Elite
MastercardConditions apply: tap or hover for detailsShow source
UK and EEA; the US card is a Visa
Custody model
CustodialConditions apply: tap or hover for detailsShow source
Crypto rewards are deposited into the Gemini account
CustodialConditions apply: tap or hover for detailsShow source
Card spends the Krak account balance (e-money and crypto held by Kraken)
Card issuer / program manager
WebBankShow source
Monavate (UK) / UAB Monavate (EEA); e-money by Payward Ireland LimitedShow source
Tiers / plans
Starter · Lite · Pro · Elite · MaxConditions apply: tap or hover for detailsShow source
Cashback tier by 30-day average assets held
Fees
Annual fee
FreeShow source
FreeShow source
Monthly fee
FreeShow source
Physical card fee
FreeConditions apply: tap or hover for detailsShow source
Plastic card; replacement €4.99
Virtual card fee
FreeShow source
Replacement fee
€4.99Conditions apply: tap or hover for detailsShow source
Plastic card; metal card replacement €60
FX fee
0%Show source
0%Conditions apply: tap or hover for detailsShow source
EEA/UK: Mastercard rate without markup; a variable spread applies when spending crypto. US card: 1%
Top-up fee
FreeConditions apply: tap or hover for detailsShow source
Bank transfer free; debit card and Apple/Google Pay deposits €0.25 + 3.75% (UK £0.25 + 3.75%); PayPal fees vary by region. US: linked bank (ACH) free, USD/CAD SWIFT wire $3, card deposits $0.25 + 3.75%, PayPal 3.39%
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
FreeConditions apply: tap or hover for detailsShow source
No Krak fee; third-party ATM fees may apply
Transfer fee
FreeConditions apply: tap or hover for detailsShow source
Incoming and outgoing SEPA free (UK domestic transfers free); outgoing SWIFT: regional funding fees may apply; transfers between Krak accounts free. US: ACH in/out free
Other fees & markups
Late payment up to $35 · Returned payment up to $35 · Penalty APR 33.74% variableShow source
Variable spread when spending crypto · AutoEarn fee: 30% of yield earned · Vault fee: 25% of yield earned · Small balance conversions: fixed 3% feeConditions apply: tap or hover for detailsShow source
Vault and AutoEarn fees are taken from yield; displayed APYs exclude them
Cashback & rewards
Base cashback
1%Conditions apply: tap or hover for detailsShow source
Everything else; 2% groceries, 3% dining
0%Conditions apply: tap or hover for detailsShow source
Starter tier: under €200 average assets; 0.5% from €200
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%)
2%Conditions apply: tap or hover for detailsShow source
Max tier: 30-day average assets of at least €/£50,000; up to 4% boosted on travel via Krak Concierge
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
EUR, GBP or BTCShow source
Cashback type
CryptoShow source
FiatConditions apply: tap or hover for detailsShow source
Or bitcoin
Interest on balance
3.6%Conditions apply: tap or hover for detailsShow source
Up to; on eligible balances, 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
Rate set by the 30-day average assets held across Krak, Kraken and Kraken Pro: 0.5% from €200, 1% from €1,000, 1.5% from €10,000, 2% from €50,000 · Metal card free from €/£50,000 average assetsShow source
Staking / holding required for top rewards
YesConditions apply: tap or hover for detailsShow source
Holding assets (not staking) sets the cashback tier
Staking asset
Any assets held at Krak, Kraken and Kraken ProShow source
Capital required for top rewards
€50,000Conditions apply: tap or hover for detailsShow source
30-day average for the 2% tier
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
NoShow source
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
YesConditions apply: tap or hover for detailsShow source
Spends directly from the Krak Everyday account balance
Availability
Available in
United StatesConditions apply: tap or hover for detailsShow source
US residents only, at application and while the account is open
European Union, United KingdomConditions apply: tap or hover for detailsShow source
Residents of the UK and the EU; a separate US card exists
Account / spend currencies
600+ currenciesConditions apply: tap or hover for detailsShow source
Spend in more than 600 currencies
Features
Apple Pay
YesShow source
Physical card
YesShow source
YesShow source
Virtual card
YesShow source
YesShow source
ATM withdrawals
YesShow 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
EEA: e-money by Payward Ireland Limited, regulated by the Central Bank of Ireland · EEA: card issuer UAB Monavate, licensed by the Bank of Lithuania (LB002139) · UK: card issuer Monavate Limited, FCA-authorised (FRN 901097) · UK: e-money and payment services by Payward Services Limited, FCA-authorised (FRN 1010381) · UK: Payward Ltd registered with the FCA as a cryptoasset business (FRN 928768)Conditions apply: tap or hover for detailsShow source
US: Payward Interactive, Inc. is a licensed money transmitter (NMLS #1843762) registered with FinCEN as an MSB
Deposit protection
NoConditions apply: tap or hover for detailsShow source
EEA e-money wallet is not covered by a deposit guarantee scheme; UK: no FSCS protection; US: balances not FDIC or SIPC insured
Annual cost at 1,500 EUR/month
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
Krak Card
- Annual & monthly fees+0 EUR
- FX costs+0 EUR
- Crypto conversion–
- ATM costs+0 EUR
- Cashback+0 EUR
- Net annual value0 EUR
Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers