Gemini Credit Card vs Oobit
Crypto native
Crypto native
Verdict
- Oobit scores higher overall (8.0 vs 6.0 out of 10).
- Gemini Credit Card is clearly stronger on: Fees, FX & international, Credit & financing.
- Oobit is clearly stronger on: Cashback & rewards, Availability, Product features, Custody & security, Limits & ATM.
- For 1,500 EUR/month of spend, Gemini Credit Card comes out about 82 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, FX & international, Credit & financing
Oobit is a good fit for
- People who want to keep control of their keys
- Stablecoin holders
- Everyday spenders who want cashback
Stronger on: Cashback & rewards, Availability, Product features, Custody & security, 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 | Oobit |
|---|---|---|
| Fees | 100 | 71 |
| Cashback & rewards | 30 | 100 |
| Availability | 3 | 100 |
| FX & international | 100 | 40 |
| Product features | 70 | 90 |
| Custody & security | 75 | 95 |
| Credit & financing | 70 | 30 |
| Limits & ATM | 11 | 50 |
| Transparency | 100 | 93 |
| Best for Cashback | 4.8 | 8.9 |
| Best for Travel | 6.7 | 6.6 |
| Best for Self-Custody | n/a | 8.6 |
| Best for DeFi Users | 7.1 | 7.9 |
| Best for Stablecoins | n/a | 7.8 |
| Best for High Spenders | 5.9 | 7.4 |
| Best for Low Fees | 8.7 | 6.3 |
| Best for Beginners | 6.8 | 9.0 |
| 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
Network
MastercardConditions apply: tap or hover for detailsShow source
Mastercard World Elite
VisaShow source
Custody model
CustodialConditions apply: tap or hover for detailsShow source
Crypto rewards are deposited into the Gemini account
Self-custodyConditions apply: tap or hover for detailsShow source
Crypto stays in your wallet until the moment you pay
Card issuer / program manager
WebBankShow source
Third National (issuer, under license from Visa); program provided by Oobit Technologies UABShow source
Fees
Annual fee
FreeShow source
FreeConditions apply: tap or hover for detailsShow source
No fee for the card itself
FX fee
0%Show source
1.5%Conditions apply: tap or hover for detailsShow source
Up to 1.5% on non-USD purchases
Crypto conversion fee
0.95%Conditions apply: tap or hover for detailsShow source
Swaps; 3% when swapping into OOB
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
2.5% (min. $0.25)Conditions apply: tap or hover for detailsShow source
Plus ATM operator fees
Settlement fee
1% (min. $0.25)Conditions apply: tap or hover for detailsShow source
Per card payment (Brazil: 1%, no minimum)
Other fees & markups
Late payment up to $35 · Returned payment up to $35 · Penalty APR 33.74% variableShow source
Oobit transaction fee $0.25 or 1% (whichever is higher) per transaction · Returned payment fee $29Show source
Cashback & rewards
Base cashback
1%Conditions apply: tap or hover for detailsShow source
Everything else; 2% groceries, 3% dining
5%Conditions apply: tap or hover for detailsShow source
Only for eligible transactions paid in USDT/USDC, capped at USD 200 eligible spend (period not stated); available from level 1; Oobit may change offers with 30 days' notice
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
Up to
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
USDC (EEA residents) / USDT (outside EEA)Show source
Cashback type
CryptoShow source
StablecoinConditions apply: tap or hover for detailsShow source
Points convert to USDC (EEA residents) or USDT (outside EEA); OOB payments earn token rewards
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
$200/monthConditions apply: tap or hover for detailsShow source
When paying with tokens other than OOB; $10,000/month when paying with OOB
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
Tap to Pay points: level 1 earns 1 point per USD, up to 5x at USD 1,500 cumulative spend in a 90-day cycle · 1,000 points = USD 1 · Qualifying Payment must be at least USD 1 · Rewards usable only for Tap to Pay payments in the app; cannot be withdrawn or transferredShow source
Staking / holding required for top rewards
NoShow source
Reward expiry / vesting
Outstanding accrued rewards are lost if the account is closed, suspended or restrictedShow 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
Payments without sufficient crypto in account · Payments the merchant does not receive · Refunded or reversed paymentsShow source
Credit & financing
Credit line
YesConditions apply: tap or hover for detailsShow source
Subject to credit approval
NoConditions apply: tap or hover for detailsShow source
Classified as credit card only for network acceptance; spends own crypto
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)
0%Conditions apply: tap or hover for detailsShow source
Currently 0% on all purchases; issuer may introduce interest for new purchases
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
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
AL, AD, Austria, Belgium, BA, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Estonia, Finland, France, GE, Germany, GI, Greece, GG, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, MD, MC, ME, Netherlands, MK, Norway, Poland, Portugal, Romania, RS, Slovakia, Slovenia, Spain, Sweden, Switzerland, United Kingdom, KZ, KG, Malaysia, Philippines, Saudi Arabia, South Korea, TW, Thailand, United Arab Emirates, Vietnam, BS, CR, DO, SV, GL, GT, Mexico, PA, PR, United States, Argentina, Brazil, Chile, Colombia, EC, PY, Peru, UY, South Africa, TZ, Australia, New ZealandConditions apply: tap or hover for detailsShow source
Country list as given on the page (74 countries listed, page claims 80+)
Account / spend currencies
USDConditions apply: tap or hover for detailsShow source
Base currency; other currencies converted automatically, rate shown on receipt
Features
Apple Pay
YesConditions apply: tap or hover for detailsShow source
After verification
Google Pay
YesConditions apply: tap or hover for detailsShow source
After verification
Physical card
YesShow source
Virtual card
YesShow source
YesShow source
ATM withdrawals
YesShow source
Spend stablecoins
YesShow source
Travel / rental car insurance
YesConditions apply: tap or hover for detailsShow source
Worldwide auto rental coverage via Visa Platinum; no general travel insurance stated
Purchase protection
YesConditions apply: tap or hover for detailsShow source
Visa Platinum benefits, included automatically
Spendable assets
USDT · Bitcoin · Ethereum · StablecoinsShow source
Blockchains
Ethereum · Polygon · Optimism · ArbitrumConditions apply: tap or hover for detailsShow source
Other networks may be added at issuer discretion
Limits
Spending limit
$10,000Conditions apply: tap or hover for detailsShow source
Per day; maximum limit
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
US: crypto services via Bakkt Financial Solutions I, LLC (FinCEN MSB, state money transmitter licences)Show 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
Oobit
- Annual & monthly fees+0 EUR
- FX costs−54 EUR
- Crypto conversion–
- Per-transaction fees−180 EUR
- ATM costs−30 EUR
- Cashback+107 EUR
- Net annual value-157 EUR
Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers