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Gemini Credit Card vs Tangem Pay

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

Gemini Credit Card3.7/5
VS
Tangem Pay3.6/5
Feature
Gemini Credit CardVisit
Tangem PayVisit
Ratings
Our score3.7/53.6/5
User ratingNo reviews yetNo reviews yet
Fees4.54.0
Rewards & cashback3.53.5
Availability2.53.0
App & experience4.04.0
Trust & security4.03.5
Fees & features
Card typeCreditDebit
Card networkMastercardVisa
Card formatPhysical, VirtualVirtual, Physical
CustodyCustodialSelf-custodial
KYC required Yes Yes
Business card No No
Max cashback4%4%
Rewards paid inBitcoin or 50+ cryptocurrenciesUSDC
Staking needed for top rewards NoNot disclosed
Welcome bonusNot disclosedUp to $75, coming soon
Card issuance feeNot disclosedFree
Monthly feeFreeFree
Annual feeFreeFree
Foreign exchange fee0%Not disclosed
Top-up feeNot disclosedACH $1 flat fee, free on Plus; FedWire $11 flat fee; network fees apply to crypto top-ups
ATM withdrawalsNot disclosedBasic 4%; Plus 2%
Daily spending limitNot disclosed$10,000 Basic; $50,000 Plus; $100,000 Prestige
ATM withdrawal limitNot disclosed$250 per transaction; up to 3 withdrawals per 24 hours
Available inUnited StatesUnited States, Latin America, Asia-Pacific, Middle East, Africa
Spendable assetsBTC, SOL, XRPUSDC, USDT
Top-up networksNot disclosedPolygon, Base, BNB Smart Chain, Arbitrum
Card currenciesUSDUSD
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 depositUSDC cashback, Airport lounge access, Insurance, Concierge
Card issuerWebBankRain
Virtual card feeNot disclosedFree
Referral program YesNot disclosed
Company
Founded20142025
HeadquartersUnited 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
  • Basic plan has no monthly fee
  • Supports four stablecoin top-up networks
  • Cashback is paid in USDC
  • 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
  • Availability varies by country and U.S. state
  • KYC is required for every cardholder
  • Basic ATM withdrawals cost 4%
  • Physical cards are not generally available yet
Best forUS credit card spenders, Automated daily crypto accumulators, No-annual-fee rewards seekersU.S. stablecoin spending, Mobile wallet payments, Tangem 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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