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Gemini Credit Card vs Nexo Card

Gemini Credit Card

Crypto native

6.0
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Nexo Card

Crypto native

7.4
Get the card

Verdict

  • Nexo Card scores higher overall (7.4 vs 6.0 out of 10).
  • Gemini Credit Card is clearly stronger on: Cashback & rewards.
  • Nexo Card is clearly stronger on: Availability, Credit & financing, Limits & ATM.
  • For 1,500 EUR/month of spend, Nexo Card comes out about 158 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: Cashback & rewards

Nexo Card is a good fit for

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

Stronger on: Availability, Credit & financing, 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 CashNexo Card vs ether.fi Cash

Conditions apply; the review lists them with sources.

Score by criterion

CriterionGemini Credit CardNexo Card
Fees100100
Cashback & rewards3013
Availability3100
FX & international10092
Product features7070
Custody & security7575
Credit & financing70100
Limits & ATM1164
Transparency100100
Best for Cashback4.85.2
Best for Travel6.78.0
Best for DeFi Users7.17.2
Best for Stablecoinsn/a7.4
Best for High Spenders5.95.9
Best for Low Fees8.79.3
Best for Beginners6.88.1
Best Crypto Credit Card7.28.4

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 card, Crypto-backed creditConditions apply: tap or hover for detailsShow source

Dual mode: Debit Mode and crypto-backed Credit Mode

Network

MastercardConditions apply: tap or hover for detailsShow source

Mastercard World Elite

MastercardConditions apply: tap or hover for detailsShow source

Network inferred from the Mastercard trademark notice next to the card issuer disclosure

Custody model

CustodialConditions apply: tap or hover for detailsShow source

Crypto rewards are deposited into the Gemini account

CustodialShow source

Card issuer / program manager

WebBankShow source
DiPocket UABShow source

Fees

Annual fee

FreeShow source
FreeShow source

Monthly fee

No data yet
FreeShow source

Physical card fee

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

Requires at least Gold Loyalty Tier and portfolio above $5,000

Virtual card fee

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

Balance of at least $50 required to activate; stays in account

FX fee

0%Show source
0.2%Conditions apply: tap or hover for detailsShow source

Weekdays EEA/UK/CH; weekends 0.7%; rest of world 2% weekdays, 2.5% weekends

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% (min. €1.99)Conditions apply: tap or hover for detailsShow source

After the free monthly allowance

Free ATM allowance

No data yet
€200/monthConditions apply: tap or hover for detailsShow source

Per month, Base Loyalty Tier; Silver €400, Gold €1,000, Platinum €2,000

Other fees & markups

Late payment up to $35 · Returned payment up to $35 · Penalty APR 33.74% variableShow source
Weekend FX surcharge: 0.7% for EEA/UK/CH currencies and 2.5% for other currencies (vs 0.2% / 2% on weekdays)Show source

Cashback & rewards

Base cashback

1%Conditions apply: tap or hover for detailsShow source

Everything else; 2% groceries, 3% dining

0.5%Conditions apply: tap or hover for detailsShow source

Base Loyalty Tier, Credit Mode only, account balance above $5,000 in digital assets; paid in NEXO Tokens (0.1% if paid in BTC)

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

Up to; Credit Mode only, depends on loyalty tier

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

NEXO Tokens or BitcoinShow source

Cashback type

CryptoShow source
CryptoShow 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
Credit Mode only · Account balance above $5,000 worth of digital assets · Rate depends on Loyalty TierShow source

Staking / holding required for top rewards

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

Higher cashback tiers depend on the share of NEXO Tokens held

Staking asset

No data yet
NEXO TokenShow source

Minimum balance

No data yet
$5,000Conditions apply: tap or hover for detailsShow source

Digital-asset balance required to earn cashback

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

YesConditions apply: tap or hover for detailsShow source

Credit Mode

Credit type

Revolving creditShow source
Crypto-backed 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)

1.9%Conditions apply: tap or hover for detailsShow source

'Starting from'; minimum rate

Interest notes

No data yet
Crypto-backed Credit Line interest starting from 1.9% per year; rates vary by region and loyalty tierShow source

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

Repayment

No data yet
Flexible repayment with no fixed schedule or credit checksShow source

Spend own balance directly

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

Debit Mode

Spend by borrowing against collateral

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

Credit Mode

Availability

Available in

United StatesConditions apply: tap or hover for detailsShow source

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

EEA, United KingdomConditions apply: tap or hover for detailsShow source

Page says 'selected European countries'; ID document from the EEA, UK or another eligible European country required

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

Requires Gold Loyalty Tier and above $5,000 portfolio

Virtual card

YesShow source
YesShow source

ATM withdrawals

No data yet
YesShow source

Spend stablecoins

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

Debit Mode

Spendable assets

No data yet
Stablecoins · Crypto · EURx · USDx · GBPxConditions apply: tap or hover for detailsShow source

Debit Mode; specific coins not listed

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

DiPocket UAB: e-money institution licensed by Bank of Lithuania (licence 75) · Tangany GmbH: BaFin-regulated crypto custody under MiCAR · DLT Securities GmbH: BaFin-regulated under MiCAR and MiFID IIShow source

Deposit protection

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

Applies to Earn and Borrow products

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

Nexo Card

  • Annual & monthly fees+0 EUR
  • FX costs−7 EUR
  • Crypto conversion–
  • ATM costs+0 EUR
  • Cashback+90 EUR
  • Net annual value83 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 Nexo Card comparisons