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Gemini Credit Card vs Uphold Debit Card

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

Gemini Credit Card3.7/5
VS
Uphold Debit Card3.4/5
Feature
Gemini Credit CardVisit
Uphold Debit CardVisit
Ratings
Our score3.7/53.4/5
User ratingNo reviews yetNo reviews yet
Fees4.53.5
Rewards & cashback3.54.0
Availability2.52.5
App & experience4.03.5
Trust & security4.03.5
Fees & features
Card typeCreditDebit
Card networkMastercardVisa
Card formatPhysical, VirtualVirtual, Physical, Metal
CustodyCustodialCustodial
KYC required YesNot disclosed
Business card NoNot disclosed
Max cashback4%4%
Rewards paid inBitcoin or 50+ cryptocurrenciesXRP
Staking needed for top rewards NoNot disclosed
Monthly feeFreeNot disclosed
Annual feeFreeNot disclosed
Foreign exchange fee0%Not disclosed
Available inUnited StatesUnited States
Not available inNot disclosedLouisiana, New York, US territories
Spendable assetsBTC, SOL, XRP300+ digital assets, BTC, ETH, XRP, USDC, USDT, Gold, Silver
Card currenciesUSDUSD
Spend stablecoins No Yes
Apple PayNot disclosed Yes
Google PayNot disclosed Yes
Good forEveryday spending, Travel, Online shoppingEveryday spending, Travel, Online shopping
PerksMastercard World Elite, No foreign transaction fees, Instant rewards depositUp to 4% XRP rewards, Up to 3% APY on stablecoin balances, Apple Pay, Google Pay
Card issuerWebBankCross River Bank
Virtual card feeNot disclosedFree
Referral program YesNot disclosed
Company
Founded20142014
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
  • Spends from more than 300 digital assets
  • Supports spending from Gold and Silver balances
  • Elite plan has 0% foreign transaction fees
  • Elite ATM withdrawals cost $0
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 wallet creates Uphold and banking-partner exposure
  • US card excludes Louisiana, New York and US territories
  • Elite plan costs $99.99 annually
  • Rewards are paid in volatile XRP
Best forUS credit card spenders, Automated daily crypto accumulators, No-annual-fee rewards seekersUS residents spending crypto, Stablecoin-funded everyday purchases, Gold and Silver spending

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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