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Gemini Credit Card vs Kraken Card

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

Gemini Credit Card3.7/5
VS
Kraken Card3.8/5
Feature
Gemini Credit CardVisit
Kraken CardVisit
Ratings
Our score3.7/53.8/5
User ratingNo reviews yetNo reviews yet
Fees4.54.5
Rewards & cashback3.54.0
Availability2.53.0
App & experience4.04.0
Trust & security4.03.5
Fees & features
Card typeCreditDebit
Card networkMastercardMastercard
Card formatPhysical, VirtualVirtual
CustodyCustodialCustodial
KYC required YesNot disclosed
Business card NoNot disclosed
Max cashback4%2%
Rewards paid inBitcoin or 50+ cryptocurrenciesBTC or EUR
Staking needed for top rewards No No
Welcome bonusNot disclosedNew cardholders receive Max tier for 30 days, with 2% cashback.
Card issuance feeNot disclosedFree
Monthly feeFreeFree
Annual feeFreeFree
Foreign exchange fee0%0%
Crypto conversion spreadNot disclosedVariable spread applies when spending across assets
ATM withdrawalsNot disclosedNo ATM withdrawal fee from Kraken; third-party ATM fees may apply
Available inUnited StatesEurope (EEA), United Kingdom, United States
Spendable assetsBTC, SOL, XRP600+ cryptocurrencies, Cash
Card currenciesUSDEUR
Spend stablecoins NoNot disclosed
Apple PayNot disclosed Yes
Google PayNot disclosed Yes
Good forEveryday spending, Travel, Online shoppingEveryday spending, Travel, Online shopping, Subscriptions & AI tools
PerksMastercard World Elite, No foreign transaction fees, Instant rewards depositUp to 2% cashback, Up to 6% travel cashback, Instant card lock, Real-time notifications
Card issuerWebBankUAB Monavate
Virtual card feeNot disclosedFree
Referral program YesNot disclosed
Company
Founded20142011
HeadquartersUnited StatesUnited States
InvestorsNot disclosedDRW Venture Capital, Hong Shan, Jane Street, Oppenheimer Alternative Investment Management +2
Strengths and weaknesses
Pros
  • 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
  • Up to 2% cashback in BTC or EUR
  • No Kraken transaction or foreign-exchange fees
  • No Kraken ATM withdrawal fees
  • Supports 600+ currencies
Cons
  • 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
  • Custodial card and account structure
  • Variable spreads may apply when converting between assets at checkout
  • Third-party ATM fees may apply
  • Availability varies by location
Best forUS credit card spenders, Automated daily crypto accumulators, No-annual-fee rewards seekersEveryday crypto spending, Krak app users, Cardholders spending multiple assets

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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