Gemini Credit Card vs RedotPay
Crypto native
Crypto native
Verdict
- Gemini Credit Card scores higher overall (6.0 vs 5.5 out of 10).
- Gemini Credit Card is clearly stronger on: Fees, Cashback & rewards, FX & international.
- RedotPay is clearly stronger on: Limits & ATM.
- 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: Fees, Cashback & rewards, FX & international
RedotPay is a good fit for
- Stablecoin holders
- Users who need credit rather than a debit/prepaid card
Stronger on: 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 | RedotPay |
|---|---|---|
| Fees | 100 | 86 |
| Cashback & rewards | 30 | 12 |
| Availability | 3 | – |
| FX & international | 100 | 52 |
| Product features | 70 | 70 |
| Custody & security | 75 | – |
| Credit & financing | 70 | 70 |
| Limits & ATM | 11 | 60 |
| Transparency | 100 | 93 |
| Best for Cashback | 4.8 | 4.0 |
| Best for Travel | 6.7 | 5.8 |
| Best for DeFi Users | 7.1 | 5.5 |
| Best for Stablecoins | n/a | 5.8 |
| Best for High Spenders | 5.9 | 4.7 |
| Best for Low Fees | 8.7 | 7.5 |
| Best for Beginners | 6.8 | 6.7 |
| Best Crypto Credit Card | 7.2 | 6.4 |
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
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
Card issuer / program manager
WebBankShow source
Tiers / plans
Regular account · RedotPay Pro Monthly ($12.90/month) · RedotPay Pro Annual ($129.00/year)Conditions apply: tap or hover for detailsShow source
Annual: "Annual Membership: $129.00 / year"; without membership the account is a "regular account"
Fees
Annual fee
FreeShow source
FreeConditions apply: tap or hover for detailsShow source
Stated under Physical Card; currency not stated on page
Physical card fee
$100Show source
Virtual card fee
$10Show source
FX fee
0%Show source
1.2%Conditions apply: tap or hover for detailsShow source
Spending in a currency other than the card currency
Crypto conversion fee
1%Show 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
2%Conditions apply: tap or hover for detailsShow source
USD card up to $10,000/month, 3% above; Pro annual waives up to $1,000/month of RedotPay ATM fees
Other fees & markups
Late payment up to $35 · Returned payment up to $35 · Penalty APR 33.74% variableShow source
1.5% transaction fee (min. 0.50 USD) at specific listed merchants (e.g. Facebook Ads, Discord, some games); first 3 eligible transactions per card per calendar month waivedConditions apply: tap or hover for detailsShow source
Waived on the first 3 eligible transactions per card each calendar month; merchant list reviewed regularly
Cashback & rewards
Base cashback
1%Conditions apply: tap or hover for detailsShow source
Everything else; 2% groceries, 3% dining
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
RedotPay Pro (monthly or annual) only; Apple Pay / Google Pay transactions only; capped at 18 USDs per 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
USDsShow source
Cashback type
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
Max cashback per month
$18/monthConditions apply: tap or hover for detailsShow source
Paid in USDs (RedotPay spend credit), Pro members only
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
RedotPay Pro membership required · Only Apple Pay or Google Pay transactions qualify · USDs usable only for future card transactions; cannot be withdrawn, transferred or used to buy cards · Cashback reclaimed on refunds/disputesShow source
Reward expiry / vesting
Cashback USDs expire after 30 daysShow 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
Credit & financing
Credit line
YesConditions apply: tap or hover for detailsShow source
Subject to credit approval
YesConditions apply: tap or hover for detailsShow source
Optional Credit feature (app v3.0.0+), usable for RedotPay card spending when set as main payment method
Credit type
Revolving creditShow source
Crypto-backed creditConditions apply: tap or hover for detailsShow source
Optional Credit feature; stablecoins excluded as collateral
Collateral assets
Supported crypto assets (excluding stablecoins)Show 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)
Interest notes
Interest calculated daily on the principal of the credit balance; simple interest (no compounding)Conditions apply: tap or hover for detailsShow source
Optional Credit feature
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 by borrowing against collateral
YesConditions apply: tap or hover for detailsShow source
Optional; crypto collateral is locked at payment until repaid
Availability
Available in
United StatesConditions apply: tap or hover for detailsShow source
US residents only, at application and while the account is open
Not available in
AF, AL, BY, BA, BV, BF, BI, CF, CD, Croatia, CU, ER, ET, GW, HT, India, Indonesia, IR, IQ, LB, LR, LY, CN, ML, ME, MA, MM, NP, NI, KP, MK, RU, RS, Singapore, Slovenia, SO, SS, SD, SY, Turkey, Ukraine, United States, VE, YE, ZWConditions apply: tap or hover for detailsShow source
Card issuance restricted list (Aug 28, 2026); also lists Kosovo and Netherlands Antilles, which have no current ISO code and are omitted
Features
Apple Pay
YesShow source
Google Pay
YesShow source
Physical card
YesShow source
YesConditions apply: tap or hover for detailsShow source
Not available in every country
Virtual card
YesShow source
YesShow source
ATM withdrawals
YesShow source
Spend stablecoins
YesShow 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
Money Lender's Licence No. 1715/2025 (RedotPay Credit)Conditions apply: tap or hover for detailsShow source
Licence stated for the Credit feature; issuing jurisdiction not named on page
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
RedotPay
- Annual & monthly fees+0 EUR
- FX costs−43 EUR
- Crypto conversion–
- ATM costs−24 EUR
- Cashbackunknown
- Net annual valuenot enough data
Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers