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ether.fi Cash vs Gemini Credit Card

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

ether.fi Cash3.0/5
VS
Gemini Credit Card3.7/5
Feature
ether.fi CashVisit
Gemini Credit CardVisit
Ratings
Our score3.0/53.7/5
User ratingNo reviews yetNo reviews yet
Fees2.54.5
Rewards & cashback3.03.5
Availability3.02.5
App & experience3.54.0
Trust & security3.04.0
Fees & features
Card typeCreditCredit
Card networkVisaMastercard
Card formatVirtual, PhysicalPhysical, Virtual
CustodySelf-custodialCustodial
KYC requiredNot disclosed Yes
Business cardNot disclosed No
Max cashback3%4%
Rewards paid inETHFIBitcoin or 50+ cryptocurrencies
Staking needed for top rewardsNot disclosed No
Monthly feeNot disclosedFree
Annual feeNot disclosedFree
Foreign exchange feeNot disclosed0%
ATM withdrawal limit$5,000 per transaction; five withdrawals and $25,000 in a rolling 24-hour periodNot disclosed
Available inNot disclosedUnited States
Spendable assetsNot disclosedBTC, SOL, XRP
Card currenciesNot disclosedUSD
Spend stablecoins Yes No
Good forEveryday spending, Travel, Online shopping, Subscriptions & AI toolsEveryday spending, Travel, Online shopping
PerksCashback in ETHFIMastercard World Elite, No foreign transaction fees, Instant rewards deposit
Card issuerNot disclosedWebBank
Virtual card fee$10Not disclosed
Referral programNot disclosed Yes
Company
Founded20242014
Headquarters—United States
InvestorsNot disclosedNot disclosed
Strengths and weaknesses
Pros
  • Virtual and physical Visa card formats
  • Self-custodial Safe for deposited assets
  • Supports direct spending and collateral-backed credit
  • ETHFI cashback on qualifying transactions
  • 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
  • Credit mode carries collateral and liquidation risk
  • Cashback is paid in volatile ETHFI
  • First virtual card costs $10 for Core members in some regions
  • ATM access has membership-based limits
  • 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 forCrypto-backed everyday spending, ETHFI cashback users, Users needing Visa paymentsUS 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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