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Crypto.com Visa Card vs Gemini Credit Card

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

Crypto.com Visa Card3.3/5
VS
Gemini Credit Card3.7/5
Feature
Crypto.com Visa CardVisit
Gemini Credit CardVisit
Ratings
Our score3.3/53.7/5
User ratingNo reviews yetNo reviews yet
Fees3.04.5
Rewards & cashback4.03.5
Availability3.52.5
App & experience3.54.0
Trust & security2.54.0
Fees & features
Card typePrepaidCredit
Card networkVisaMastercard
Card formatVirtual, PhysicalPhysical, Virtual
CustodyCustodialCustodial
KYC requiredNot disclosed Yes
Business cardNot disclosed No
Max cashback4.5%4%
Rewards paid inCROBitcoin or 50+ cryptocurrencies
Staking needed for top rewards Yes No
Monthly fee$24.99Free
Annual fee$249.90Free
Foreign exchange fee0%0%
Crypto conversion spreadExact rates depend on jurisdiction and card tierNot disclosed
ATM withdrawalsFree withdrawals from €200 to €1,000 per month depending on tier; other fees may applyNot disclosed
ATM withdrawal limit€10,000 per monthNot disclosed
Available inEurope (EEA), United Kingdom, United StatesUnited States
Spendable assetsCryptocurrency converted to the relevant market currency, CROBTC, SOL, XRP
Card currenciesEURUSD
Spend stablecoinsNot disclosed No
Good forEveryday spending, Travel, Online shopping, Subscriptions & AI toolsEveryday spending, Travel, Online shopping
PerksCRO spending rewards, Crypto.com Travel rewards, Spotify rebates, Netflix rebates, Truth+ rebates, Airport lounge access, Priority supportMastercard World Elite, No foreign transaction fees, Instant rewards deposit
Card issuerForis MT LimitedWebBank
Referral programNot disclosed Yes
Company
Founded20182014
HeadquartersSingaporeUnited States
InvestorsNot disclosedNot disclosed
Strengths and weaknesses
Pros
  • Free Midnight Blue tier has no subscription fee
  • Up to 4.5% CRO rewards on eligible everyday spending
  • Free ATM allowance reaches €1,000 monthly on higher tiers
  • €25,000 monthly aggregated top-up limit
  • 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
  • Rewards are paid in volatile CRO
  • Higher rewards require paid plans or CRO lockups
  • Custodial account depends on Crypto.com and Foris MT Limited
  • Availability and KYC requirements vary by country and tier
  • 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 forCRO holders using prepaid payments, EEA residents spending crypto, Crypto.com App customersUS 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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