Gemini Credit Card vs OKX Card

Gemini Credit Card3.7/5

VS

OKX Card3.7/5

Feature	Gemini Credit CardVisit	OKX CardVisit
Ratings
Our score	3.7/5	3.7/5
User rating	No reviews yet	No reviews yet
Fees	4.5	4.5
Rewards & cashback	3.5	4.0
Availability	2.5	3.0
App & experience	4.0	3.5
Trust & security	4.0	3.5
Fees & features
Card type	Credit	Debit
Card network	Mastercard	Mastercard
Card format	Physical, Virtual	Not disclosed
Custody	Custodial	Custodial
KYC required	Yes	Not disclosed
Business card	No	Not disclosed
Max cashback	4%	10%
Rewards paid in	Bitcoin or 50+ cryptocurrencies	USDG
Staking needed for top rewards	No	No
Monthly fee	Free	Not disclosed
Annual fee	Free	Not disclosed
Foreign exchange fee	0%	0%
Crypto conversion spread	Not disclosed	0.1%
Available in	United States	Europe (EEA)
Spendable assets	BTC, SOL, XRP	USDT, USDC, USDG
Card currencies	USD	Not disclosed
Spend stablecoins	No	Yes
Good for	Everyday spending, Travel, Online shopping	Everyday spending, Travel, Online shopping, Subscriptions & AI tools
Perks	Mastercard World Elite, No foreign transaction fees, Instant rewards deposit	2% to 10% cashback on eligible purchases, No transaction fees, No foreign exchange fees
Card issuer	WebBank	OKX Europe Limited
Referral program	Yes	Not disclosed
Company
Founded	2014	—
Headquarters	United States	Malta
Investors	Not disclosed	Not 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	0% card transaction and foreign-exchange fees Mastercard acceptance for online and in-store spending Up to 10% cashback for eligible tiered users No separate manual conversion or card top-up required
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 OKX account controls access to spending funds 0.1% market spread applies to fiat conversion Availability is limited to eligible regions and jurisdictions Cashback is paid in USDG and depends on tier rules
Best for	US credit card spenders, Automated daily crypto accumulators, No-annual-fee rewards seekers	EEA residents spending stablecoins, Mastercard in-store payments, Users already holding funds on OKX

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