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BingCard vs Gemini Credit Card

How BingCard vs Gemini Credit Card compare on our ratings, crypto card specs, funding, pros and cons.

BingCard2.1/5
VS
Gemini Credit Card3.7/5
Feature
BingCardVisit
Gemini Credit CardVisit
Ratings
Our score2.1/53.7/5
User ratingNo reviews yetNo reviews yet
Fees2.54.5
Rewards & cashback1.03.5
Availability2.52.5
App & experience3.04.0
Trust & security1.54.0
Fees & features
Card typePrepaidCredit
Card networkNot disclosedMastercard
Card formatVirtual, PhysicalPhysical, Virtual
CustodyCustodialCustodial
KYC required No Yes
Business card Yes No
Max cashback0%4%
Rewards paid inNot disclosedBitcoin or 50+ cryptocurrencies
Staking needed for top rewards No No
Card issuance fee$25Not disclosed
Monthly feeFreeFree
Annual feeFreeFree
Foreign exchange feeNot disclosed0%
Top-up fee1%Not disclosed
Crypto conversion spread0%Not disclosed
Available inNot disclosedUnited States
Not available inUnited States, United Kingdom, Germany, France, ItalyNot disclosed
Spendable assetsBTC, ETH, USDT, USDCBTC, SOL, XRP
Top-up networksBitcoin, EthereumNot disclosed
Card currenciesUSD, HKDUSD
Spend stablecoins Yes No
Good forOnline shopping, Subscriptions & AI tools, AdvertisingEveryday spending, Travel, Online shopping
PerksNot disclosedMastercard World Elite, No foreign transaction fees, Instant rewards deposit
Card issuerNot disclosedWebBank
Virtual card fee$25Not disclosed
Referral programNot disclosed Yes
Company
Founded20212014
Headquarters—United States
InvestorsNot disclosedNot disclosed
Strengths and weaknesses
Pros
  • Virtual cards issued in five minutes without identity verification
  • High monthly spending limits up to $200,000 on virtual cards
  • Supports deposits in BTC, ETH, USDT, and USDC
  • Zero monthly maintenance fees on the Star virtual and Platinum physical cards
  • No annual fee and zero foreign transaction fees
  • Up to 4% rewards paid in choice of over 50 cryptocurrencies
  • No token staking or balance lock-ups required for reward tiers
  • Rewards deposit automatically without manual claim steps
Cons
  • No cashback, points, or loyalty rewards on any card tier
  • High physical card issuance fee of $168
  • Physical card shipping takes up to 25 business days
  • Excluded for US citizens and residents
  • Top 4% tier limited to $300 in monthly spend
  • Available only to United States residents with credit approval
  • Custodial reward payout requires holding assets on Gemini
  • Revolving credit model subject to standard interest rates on balances
Best forNon-US residents wanting virtual cards, Fast online checkout with crypto, Paying software and ad subscriptionsUS credit card spenders, Automated daily crypto accumulators, No-annual-fee rewards seekers

Highlighted cells show the stronger value in each row. Data comes from each provider's site and public sources; check details before you sign up.

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