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Gemini Credit Card vs Nexo Card

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

Gemini Credit Card3.7/5
VS
Nexo Card3.5/5
Feature
Gemini Credit CardVisit
Nexo CardVisit
Ratings
Our score3.7/53.5/5
User ratingNo reviews yetNo reviews yet
Fees4.53.5
Rewards & cashback3.53.5
Availability2.53.0
App & experience4.04.0
Trust & security4.03.5
Fees & features
Card typeCreditCredit
Card networkMastercardMastercard
Card formatPhysical, VirtualVirtual, Physical
CustodyCustodialCustodial
KYC required Yes Yes
Business card NoNot disclosed
Max cashback4%2%
Rewards paid inBitcoin or 50+ cryptocurrenciesNEXO Tokens or Bitcoin
Staking needed for top rewards No Yes
Card issuance feeNot disclosedFree
Monthly feeFreeFree
Annual feeFreeFree
Foreign exchange fee0%Not disclosed
ATM withdrawalsNot disclosedUp to €2,000 / £1,800 free per month; then 2%, with a minimum of 1.99 EUR/GBP per withdrawal
ATM withdrawal limitNot disclosed€2,000 / £1,800 per month at Platinum tier
Available inUnited StatesEurope (EEA), United Kingdom
Not available inNot disclosedUnited States
Spendable assetsBTC, SOL, XRP100+ digital assets, Stablecoins, EURx, USDx, GBPx
Card currenciesUSDNot disclosed
Spend stablecoins No Yes
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% crypto cashback, Interest on eligible idle funds, Credit lines from 1.9% per year
Card issuerWebBankNot disclosed
Virtual card feeNot disclosedFree
Referral program YesNot disclosed
Company
Founded20142022
HeadquartersUnited StatesSwitzerland
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
  • Credit and Debit modes in one Mastercard
  • No monthly, annual or inactivity card fees
  • Up to 2% cashback in Credit Mode
  • Apple Pay and Google Pay supported
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 account creates platform and programme counterparty exposure
  • Available only to eligible residents of Europe and the United Kingdom
  • Identity verification is required
  • Top cashback requires NEXO holdings and a $5,000 portfolio
Best forUS credit card spenders, Automated daily crypto accumulators, No-annual-fee rewards seekersEuropean residents spending stablecoins, Users wanting crypto-backed credit, NEXO holders seeking tiered cashback

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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