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Gemini Credit Card vs OKX Card (EEA)

Gemini Credit Card

Crypto native

6.0
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OKX Card (EEA)

Crypto native

7.9
Get the card

Verdict

  • OKX Card (EEA) scores higher overall (7.9 vs 6.0 out of 10).
  • Gemini Credit Card is clearly stronger on: Product features, Credit & financing.
  • OKX Card (EEA) is clearly stronger on: Cashback & rewards, Availability.
  • 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: Product features, Credit & financing

OKX Card (EEA) is a good fit for

  • Stablecoin holders
  • Everyday spenders who want cashback
  • Frequent travellers

Stronger on: Cashback & rewards, Availability

★ 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 CashOKX Card (EEA) vs ether.fi Cash

Conditions apply; the review lists them with sources.

Score by criterion

CriterionGemini Credit CardOKX Card (EEA)
Fees10099
Cashback & rewards3065
Availability393
FX & international100100
Product features7056
Custody & security7575
Credit & financing7030
Limits & ATM11–
Transparency100100
Best for Cashback4.87.6
Best for Travel6.78.4
Best for DeFi Users7.17.0
Best for Stablecoinsn/a8.5
Best for High Spenders5.97.2
Best for Low Fees8.79.2
Best for Beginners6.88.2
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
Stablecoin 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

CustodialConditions apply: tap or hover for detailsShow source

The provider holds the funds

Launch date

No data yet
2026-01-28Show source

Card issuer / program manager

WebBankShow source
UAB Monavate (issuer); OKX Europe Limited (program manager)Show source

Fees

Annual fee

FreeShow source
FreeShow source

Monthly fee

No data yet
FreeShow source

Virtual card fee

No data yet
FreeShow source

FX fee

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

No added OKX FX fee

Crypto conversion fee

No data yet
0.1%Conditions apply: tap or hover for detailsShow source

Market spread converting stablecoins to EUR

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
No data yet

Cashback & rewards

Base cashback

1%Conditions apply: tap or hover for detailsShow source

Everything else; 2% groceries, 3% dining

2%Conditions apply: tap or hover for detailsShow source

Non-VIP, USDG-funded purchases, capped at €10/month; promotional cashback during the initial launch period

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%)

10%Conditions apply: tap or hover for detailsShow source

VIP 4+ on OKX, capped at €1,000/month

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

USDGShow 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

Max cashback per month

No data yet
€1,000/monthConditions apply: tap or hover for detailsShow source

Highest cap (VIP 3 and above); regular users EUR 10, VIP1 EUR 300, VIP2 EUR 450

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
Only purchases where USDG is the active payment currency · Rate and monthly cap depend on OKX VIP levelShow source

Staking / holding required for top rewards

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

Cashback level depends on OKX VIP level instead

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

USDC payments earn no cashbackShow source

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

European Union, NorwayShow source

Not available in

No data yet
Iceland, LiechtensteinShow source

Account / spend currencies

No data yet
EURShow source

Features

Apple Pay

No data yet
YesShow source

Google Pay

No data yet
YesShow source

Physical card

YesShow source
NoConditions apply: tap or hover for detailsShow source

Currently virtual-only

Virtual card

YesShow source
YesShow source

Spend stablecoins

No data yet
YesShow source

Spendable assets

No data yet
USDC · USDGShow 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

OKX licensed under MiCA (card itself not a MiCA-licensed product)Show source

Deposit protection

No data yet
NoShow source

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

OKX Card (EEA)

  • Annual & monthly fees+0 EUR
  • FX costs+0 EUR
  • Crypto conversion–
  • ATM costsunknown
  • Cashback+360 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 OKX Card (EEA) comparisons