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Gemini Credit Card vs Mine Card

Gemini Credit Card

Crypto native

6.0
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Mine Card

Crypto native

6.3
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Verdict

  • Mine Card scores higher overall (6.3 vs 6.0 out of 10).
  • Mine Card is clearly stronger on: Custody & security.
  • 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

Mine Card is a good fit for

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

Stronger on: Custody & security

★ 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 CashMine Card vs ether.fi Cash

Conditions apply; the review lists them with sources.

Score by criterion

CriterionGemini Credit CardMine Card
Fees10099
Cashback & rewards3026
Availability3–
FX & international100–
Product features7070
Custody & security7585
Credit & financing70–
Limits & ATM11–
Transparency100100
Best for Cashback4.85.1
Best for Travel6.7n/a
Best for Self-Custodyn/a7.4
Best for DeFi Users7.16.8
Best for Stablecoinsn/a7.0
Best for High Spenders5.95.1
Best for Low Fees8.78.0
Best for Beginners6.87.6
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
ActiveConditions apply: tap or hover for detailsShow source

Invite-only: sign-up needs a code from an existing member (or the higher no-code price)

Card type

Credit cardShow source
Stablecoin cardConditions apply: tap or hover for detailsShow source

Spends from your USDC balance, converted at purchase

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
Unblock Atomo SARL (card issuer); operated by EMM Ventures AGShow source

Tiers / plans

No data yet
Basic · PremiumConditions apply: tap or hover for detailsShow source

Metal and Private announced, no price yet

Fees

Annual fee

FreeShow source
No data yet

Monthly fee

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

Basic and Premium are one-off fees, no subscription

Physical card fee

No data yet
$124Conditions apply: tap or hover for detailsShow source

Premium tier (physical + virtual card), one-off; $99 with an invite code

Virtual card fee

No data yet
$5Conditions apply: tap or hover for detailsShow source

One-off; free with an invite code

FX fee

0%Show source
No data yet

Top-up fee

No data yet
FreeShow source

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
Small markup on card FX · Conversion pricing above the free 500 CHF/EUR lifetime allowanceShow source

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

Basic tier has no cashback; Premium 0.5% in USDC

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%)

0.5%Conditions apply: tap or hover for detailsShow source

Premium tier; 'boosted cashback' announced for Metal

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

USDCShow source

Cashback type

CryptoShow source
StablecoinShow source

Interest on balance

No data yet
5%Conditions apply: tap or hover for detailsShow source

Opt-in Earn via Aave V3, off by default; 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

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

No data yet

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
CHF · EUR · USDCShow source

Own IBAN / bank details

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

CHF and EUR IBAN in your own name; incoming money settles as USDC

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

Premium tier

Virtual card

YesShow source
YesShow source

ATM withdrawals

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

Limit $20,000 per month on Basic, $60,000 on Premium

Spend stablecoins

No data yet
YesShow source

Airport lounge access

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

Listed only under the (not yet released) Metal tier; not on Basic or Premium

Spendable assets

No data yet
USDCShow source

Limits

ATM limit

No data yet
$20,000Conditions apply: tap or hover for detailsShow source

Per month on Basic; $60,000 on Premium

Spending limit

No data yet
$100,000Conditions apply: tap or hover for detailsShow source

Per month, Basic; Premium $1,000,000

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

Card issued by Unblock Atomo SARL, EEA-licensed e-money institution (Luxembourg) · Operated by EMM Ventures AG, Switzerland · IBAN and conversion services provided by a regulated Swiss financial intermediaryShow source

Smart-contract risk

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

Applies to opt-in Earn via Aave V3

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

Mine Card

  • Annual & monthly fees+0 EUR
  • FX costsunknown
  • 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 Mine Card comparisons