CryptoReview
Submit listing

Exa Card vs Gemini Credit Card

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

Exa Card3.3/5
VS
Gemini Credit Card3.7/5
Feature
Exa CardVisit
Gemini Credit CardVisit
Ratings
Our score3.3/53.7/5
User ratingNo reviews yetNo reviews yet
Fees3.54.5
Rewards & cashback2.53.5
Availability3.52.5
App & experience4.04.0
Trust & security3.04.0
Fees & features
Card typeCreditCredit
Card networkVisaMastercard
Card formatVirtualPhysical, Virtual
CustodySelf-custodialCustodial
KYC requiredNot disclosed Yes
Business cardNot disclosed No
Max cashbackNot disclosed4%
Rewards paid inNot disclosedBitcoin or 50+ cryptocurrencies
Staking needed for top rewardsNot disclosed No
Welcome bonus$20 in XRP after spending $100, valid October 6–20, 2026, for a fixed cohort of 3,000 invited U.S. Uphold usersNot disclosed
Card issuance feeFreeNot disclosed
Monthly feeNot disclosedFree
Annual feeNot disclosedFree
Foreign exchange fee1.5%0%
ATM withdrawals$1.00 plus 0.65% per withdrawal; some ATMs may add their own feeNot disclosed
ATM withdrawal limit$250 per withdrawal, maximum 4 withdrawals per dayNot disclosed
Available inGlobalUnited States
Spendable assetsUSDCBTC, SOL, XRP
Top-up networksOptimism, Ethereum, Base, Arbitrum, Polygon, BNB Smart ChainNot disclosed
Card currenciesUSDUSD
Spend stablecoins Yes No
Good forEveryday spending, Travel, Online shoppingEveryday spending, Travel, Online shopping
PerksVisa VIP Airport Lounge access, Car rental insurance, Restaurant discounts, Visa Digital Concierge, Visa Travel KitMastercard World Elite, No foreign transaction fees, Instant rewards deposit
Card issuerLicensed third partiesWebBank
Virtual card feeFreeNot disclosed
Referral programNot disclosed Yes
Company
Founded—2014
Headquarters—United States
InvestorsNot disclosedNot disclosed
Strengths and weaknesses
Pros
  • Free card issuance with an Exa Wallet
  • Non-custodial smart contracts back spending and borrowing
  • Supports deposits across six EVM networks
  • Offers up to nine fixed-rate installments
  • 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
  • Non-USD transactions carry a 1.5% foreign exchange fee
  • ATM withdrawals cost $1 plus 0.65%
  • Installment borrowing may include interest and an origination fee
  • Licensed third parties issue the card
  • 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 forUSDC everyday spending, Stablecoin-backed installments, Multichain crypto holdersUS 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.

More comparisons

Bleap vs Gemini Credit Card