Gemini Credit Card vs Wise Card
Crypto native
E-money / FinTech
Verdict
- Wise Card scores higher overall (6.9 vs 6.0 out of 10).
- Gemini Credit Card is clearly stronger on: Cashback & rewards, FX & international, Credit & financing.
- Wise Card is clearly stronger on: Availability, Limits & ATM.
- For 1,500 EUR/month of spend, Wise Card comes out about 60 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, FX & international, Credit & financing
Wise Card is a good fit for
- Frequent travellers
Stronger on: Availability, 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 | Wise Card |
|---|---|---|
| Fees | 100 | 100 |
| Cashback & rewards | 30 | 12 |
| Availability | 3 | 100 |
| FX & international | 100 | 83 |
| Product features | 70 | 70 |
| Custody & security | 75 | 75 |
| Credit & financing | 70 | 30 |
| Limits & ATM | 11 | 51 |
| Transparency | 100 | 100 |
| Best for Cashback | 4.8 | 5.0 |
| Best for Travel | 6.7 | 7.5 |
| Best for DeFi Users | 7.1 | n/a |
| Best for High Spenders | 5.9 | 4.9 |
| Best for Low Fees | 8.7 | 8.8 |
| Best for Beginners | 6.8 | 8.1 |
| Best Crypto Credit Card | 7.2 | n/a |
| Best E-Money Card | n/a | 8.4 |
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 cardShow source
Network
MastercardConditions apply: tap or hover for detailsShow source
Mastercard World Elite
VisaConditions apply: tap or hover for detailsShow source
Visa in Ireland and the EEA; network depends on issuing country
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
Card issuer / program manager
WebBankShow source
Fees
Annual fee
FreeShow source
Monthly fee
FreeConditions apply: tap or hover for detailsShow source
No subscription required
Physical card fee
€7Conditions apply: tap or hover for detailsShow source
Ireland page; one-time card order fee
Virtual card fee
FreeConditions apply: tap or hover for detailsShow source
Ireland page
Replacement fee
€4Conditions apply: tap or hover for detailsShow source
Ireland page; free if the card was expiring
FX fee
0%Show source
0.43%Conditions apply: tap or hover for detailsShow source
From; varies by currency pair; 0% when spending a currency you hold
Top-up fee
FreeConditions apply: tap or hover for detailsShow source
Domestic bank transfer only; other payment methods have varying fees
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
2.69%Conditions apply: tap or hover for detailsShow source
Eurozone-issued cards, above the free allowance; ATM operators may add fees
Free ATM allowance
€250/monthConditions apply: tap or hover for detailsShow source
Eurozone-issued cards; no limit on the number of free withdrawals
Other fees & markups
Late payment up to $35 · Returned payment up to $35 · Penalty APR 33.74% variableShow source
Conversion fee when spending a currency not held in the account · Fee may apply to get or replace the card · ATM withdrawals free only up to a certain amountConditions apply: tap or hover for detailsShow source
Spending a currency you hold is free
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
No cashback on card spending (owner research)
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%)
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
Cashback type
CryptoShow source
NoneConditions apply: tap or hover for detailsShow source
No cashback on card spending (owner research); Wise's 'balance cashback' is interest on the balance, recorded as interest
Interest on balance
2.4%Conditions apply: tap or hover for detailsShow source
Balance cashback for EEA customers on USD balances (September 2026, annualised, variable); EUR 1.20%, GBP 2.20%; 30% Belgian withholding tax deducted; minimum balance applies
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
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
Minimum balance
€101Conditions apply: tap or hover for detailsShow source
Held for the whole month to receive balance cashback, based on September 2026 rates (55 GBP, 51 USD)
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
Account outside the EEA · Money held in Wise Assets (interest/stocks) · Negative or suspended account · Pre-tax cashback under 0.10 · Opted out of 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
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)
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
Australia, Brazil, Canada, EEA, Japan, Malaysia, New Zealand, Philippines, Singapore, Switzerland, Thailand, United Kingdom, United StatesConditions apply: tap or hover for detailsShow source
Thailand only for accounts registered on or after 21 January 2026
Not available in
Hong KongConditions apply: tap or hover for detailsShow source
Cards are blocked on moving to Hong Kong; no new card offered
Account / spend currencies
EUR · GBP · USD · and many moreShow source
Own IBAN / bank details
YesConditions apply: tap or hover for detailsShow source
Personal accounts; business accounts may pay a one-time setup fee
Features
Apple Pay
YesShow source
Google Pay
YesShow source
Physical card
YesShow source
YesShow source
Virtual card
YesShow source
YesShow source
ATM withdrawals
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
Wise Europe SA: authorised payment institution supervised by the National Bank of BelgiumConditions apply: tap or hover for detailsShow source
EU entity
Deposit protection
NoConditions apply: tap or hover for detailsShow source
Funds safeguarded (cash at commercial banks and money market funds), not covered by the Belgian Deposit Guarantee Scheme; Assets investment feature has separate Estonian Guarantee Fund protection
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
Wise Card
- Annual & monthly fees+0 EUR
- FX costs−15 EUR
- Crypto conversion–
- ATM costs+0 EUR
- Cashback+0 EUR
- Net annual value-15 EUR
Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers