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Gemini Credit Card vs SafePal Card

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

Gemini Credit Card3.7/5
VS
SafePal Card3.2/5
Feature
Gemini Credit CardVisit
SafePal CardVisit
Ratings
Our score3.7/53.2/5
User ratingNo reviews yetNo reviews yet
Fees4.53.5
Rewards & cashback3.52.5
Availability2.53.0
App & experience4.04.0
Trust & security4.03.0
Fees & features
Card typeCreditDebit
Card networkMastercardMastercard
Card formatPhysical, VirtualVirtual
CustodyCustodialSelf-custodial
KYC required Yes Yes
Business card NoNot disclosed
Max cashback4%Not disclosed
Rewards paid inBitcoin or 50+ cryptocurrenciesNot disclosed
Staking needed for top rewards No No
Card issuance feeNot disclosedFree
Monthly feeFreeFree
Annual feeFreeFree
Foreign exchange fee0%Not disclosed
Top-up feeNot disclosedAs low as 0.4%, depending on account tier
Crypto conversion spreadNot disclosedA spread applies when swapping cryptocurrencies
Daily spending limitNot disclosed€1,600 contactless; €5,000 for other payment methods
Available inUnited StatesNot disclosed
Spendable assetsBTC, SOL, XRPNot disclosed
Top-up networksNot disclosedArbitrum, 40+ blockchains
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 depositPayPal, Apple Pay, Google Pay, Samsung Pay, Swiss IBAN account
Card issuerWebBankFiat24
Virtual card feeNot disclosedFree
Referral program Yes Yes
Company
Founded20142018
HeadquartersUnited StatesSingapore
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
  • No account setup or management fee
  • Virtual Mastercard accepted at 40M+ merchants
  • Crypto top-ups across 40+ blockchains
  • Apple Pay and Google Pay support
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
  • KYC and regional eligibility are required
  • Fiat24 handles banking compliance and licensing
  • Crypto swaps add fees and a conversion spread
  • Higher account-tier privileges may involve SFP staking
Best forUS credit card spenders, Automated daily crypto accumulators, No-annual-fee rewards seekersMultichain crypto spending, Stablecoin card payments, Swiss IBAN access

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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