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Gemini Credit Card vs MPay

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

Gemini Credit Card3.7/5
VS
MPay2.7/5
Feature
Gemini Credit CardVisit
MPayVisit
Ratings
Our score3.7/52.7/5
User ratingNo reviews yetNo reviews yet
Fees4.52.5
Rewards & cashback3.52.5
Availability2.53.0
App & experience4.03.0
Trust & security4.02.5
Fees & features
Card typeCreditDebit
Card networkMastercardVisa
Card formatPhysical, VirtualVirtual
CustodyCustodialSelf-custodial
KYC required Yes No
Business card NoNot disclosed
Max cashback4%Not disclosed
Rewards paid inBitcoin or 50+ cryptocurrenciesNot disclosed
Staking needed for top rewards NoNot disclosed
Monthly feeFreeNot disclosed
Annual feeFreeNot disclosed
Foreign exchange fee0%Not disclosed
Available inUnited StatesUnited States
Spendable assetsBTC, SOL, XRPUSDT, USDC
Top-up networksNot disclosedBEP20, ERC20, TRC20, Base
Card currenciesUSDNot disclosed
Spend stablecoins No Yes
Good forEveryday spending, Travel, Online shoppingOnline shopping
PerksMastercard World Elite, No foreign transaction fees, Instant rewards depositNot disclosed
Card issuerWebBankNot disclosed
Referral program Yes Yes
Company
Founded2014—
HeadquartersUnited StatesUnited States
InvestorsNot disclosedNot disclosed
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
  • Visa virtual card for online merchant payments
  • Supports USDT and USDC top-ups
  • USDT works across three deposit networks
  • USDC works across three deposit networks
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
  • Issuing bank, BIN sponsor and custodian are not identified
  • Physical card remains in development
  • Standard onboarding can require KYC in some regions or tiers
  • Wrong-network deposits may be lost
Best forUS credit card spenders, Automated daily crypto accumulators, No-annual-fee rewards seekersOnline stablecoin payments, U.S. residents using virtual cards, Web3 wallet users

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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