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Gemini Credit Card vs MetaMask Card

Gemini Credit Card

Crypto native

6.0
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MetaMask Card

Crypto native

7.2
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Verdict

  • MetaMask Card scores higher overall (7.2 vs 6.0 out of 10).
  • Gemini Credit Card is clearly stronger on: Fees, Credit & financing.
  • MetaMask Card is clearly stronger on: Availability, Limits & ATM.
  • For 1,500 EUR/month of spend, MetaMask Card comes out about 231 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: Fees, Credit & financing

MetaMask Card is a good fit for

  • People who want to keep control of their keys
  • Stablecoin holders
  • Frequent travellers

Stronger on: Availability, Limits & ATM

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

Conditions apply; the review lists them with sources.

Score by criterion

CriterionGemini Credit CardMetaMask Card
Fees10090
Cashback & rewards3027
Availability3100
FX & international100100
Product features7070
Custody & security7580
Credit & financing7030
Limits & ATM1160
Transparency10093
Best for Cashback4.85.7
Best for Travel6.78.2
Best for Self-Custodyn/a7.5
Best for DeFi Users7.16.4
Best for Stablecoinsn/a7.6
Best for High Spenders5.95.6
Best for Low Fees8.78.8
Best for Beginners6.88.0
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 cardShow source

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

Self-custodyShow source

Card issuer / program manager

WebBankShow source
Baanx (now Monavate)Conditions apply: tap or hover for detailsShow source

Program manager; US card issued by Cross River Bank

Tiers / plans

No data yet
Free · MetalShow source

Fees

Annual fee

FreeShow source
FreeConditions apply: tap or hover for detailsShow source

Virtual card; Metal tier $199/year

Monthly fee

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

Virtual card; no maintenance fees

Virtual card fee

No data yet
FreeShow source

FX fee

0%Show source
0%Conditions apply: tap or hover for detailsShow source

Mastercard exchange rate, no additional MetaMask fee

Crypto conversion fee

No data yet
0.88%Conditions apply: tap or hover for detailsShow source

Free and Metal tier, for other cryptocurrencies (e.g. wETH); no fee for stablecoins in cardholder's local currency/USD; 0.5% for stablecoins in a currency of neither cardholder nor merchant country; DeFi tokens (e.g. aUSDC) free up to $1,200/mo then 0.5%

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

2%Conditions apply: tap or hover for detailsShow source

Free tier; Metal: no fee up to $1,200/mo, then 2%; ATM operator may charge additional fees

Other fees & markups

Late payment up to $35 · Returned payment up to $35 · Penalty APR 33.74% variableShow source
1% cross-border fee when the merchant is outside the cardholder's country (Free tier; Metal: no fee, subject to fair usage) · 0.5% on stablecoins denominated in a currency of neither the cardholder's nor the merchant's country · Small variable network gas fee (typically $0.01) · DeFi tokens / tokenized yield (e.g. aUSDC): no fee up to $1,200/mo, then 0.5%Show source

Cashback & rewards

Base cashback

1%Conditions apply: tap or hover for detailsShow source

Everything else; 2% groceries, 3% dining

1%Conditions apply: tap or hover for detailsShow source

Virtual card, eligible purchases

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%)

3%Conditions apply: tap or hover for detailsShow source

Metal tier ($199/yr), first $10,000 spent per year, then 1%

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

mUSDShow source

Cashback type

CryptoShow source
StablecoinShow 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

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
Metal: 3% only on first $10,000 spent each year, then 1%Show 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

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

Spend own balance directly

No data yet
YesShow source

Availability

Available in

United StatesConditions apply: tap or hover for detailsShow source

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

AD, Argentina, Austria, Belgium, Brazil, Bulgaria, Canada, Chile, Colombia, CR, Croatia, Cyprus, Denmark, DO, SV, Finland, France, Germany, GI, Greece, GT, GG, Hungary, Iceland, Ireland, IM, Italy, JE, Liechtenstein, Luxembourg, Malta, Mexico, MC, Netherlands, Norway, PA, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, Switzerland, UYConditions apply: tap or hover for detailsShow source

Full country list in the FAQ; signups in the US and the UK are temporarily closed

Features

Apple Pay

No data yet
YesShow source

Google Pay

No data yet
YesShow source

Physical card

YesShow source
YesConditions apply: tap or hover for detailsShow source

Metal tier only ($199/year); new Metal orders temporarily paused as of June 2nd, 2026; Free tier has no physical card

Virtual card

YesShow source
YesShow source

ATM withdrawals

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

US only; users in other regions cannot withdraw cash at ATMs

Spend stablecoins

No data yet
YesShow source

Spendable assets

No data yet
mUSD · wETH · EURe · GBPe · USDC · USDTConditions apply: tap or hover for detailsShow source

FAQ says 'nine tokens' but lists only these six

Blockchains

No data yet
Linea · Solana · Monad · BaseShow source

Limits

ATM limit

No data yet
$1,000Conditions apply: tap or hover for detailsShow source

Per day, Virtual column of the comparison table; Metal $5,000/day

Spending limit

No data yet
$15,000Conditions apply: tap or hover for detailsShow source

Per day, Virtual card; Metal $30,000/day

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−107 EUR
  • Cashback+32 EUR
  • Net annual value-75 EUR

MetaMask Card

  • Annual & monthly fees+0 EUR
  • FX costs+0 EUR
  • Crypto conversion–
  • ATM costs−24 EUR
  • Cashback+180 EUR
  • Net annual value156 EUR

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

More Gemini Credit Card comparisons

More MetaMask Card comparisons