Crypto.com Visa Card vs Gemini Credit Card
How does Crypto.com Visa Card compare to Gemini Credit Card? A side-by-side look at fees, rewards, custody and availability.
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| Feature | Crypto.com Visa Card | Gemini Credit Card |
|---|---|---|
| Our score | 7.3/10 | 7.1/10 |
| Type | Prepaid | Credit |
| Networks | Visa | Mastercard |
| Rewards | Up to 4.5% back in CRO on spending, tiered: Ruby Steel 1.5% (up to $750/mo), Royal Indigo 2.5% (up to $1,500/mo), Rose Gold 3.5% (up to $3,000/mo then 0.5%), Obsidian 4.5% (up to $5,000/mo then 1%); Midnight Blue 0% | Up to 4% crypto back: 4% on gas, EV charging & transit (up to $300/mo, then 1%), 3% dining, 2% groceries, 1% everything else |
| Annual fee | Midnight Blue free; Ruby $4.99/mo or $49.90/yr (or $500 CRO stake); Royal Indigo $29.99/mo or $299.90/yr (or $5,000 CRO stake); higher tiers require CRO stake | $0 (no annual fee) |
| FX fee | 3% on non-USD purchases and ATM withdrawals (Midnight/Ruby/Jade/Indigo); no FX fee (Rose/Icy/Obsidian) | No foreign transaction fees |
| ATM fee | 2% on amounts above the monthly free ATM limit; free limit $200-$1,000/mo depending on tier | — |
| KYC | Full | — |
| Custody | Custodial | Custodial |
| Supported coins | Rewards paid in CRO | Rewards in Bitcoin or 50+ cryptos available on Gemini |
| Availability | — | — |
| Apple / Google Pay | — | — |
Which Crypto Card Should You Choose?
Choosing between the Crypto.com Visa Card and the Gemini Credit Card depends on your spending habits, preferences for rewards, and how you feel about fees and staking requirements. Both cards offer crypto rewards, but they cater to different needs and priorities.
Choose the Crypto.com Visa Card if…
- You want tiered cashback rewards: The Crypto.com Visa Card offers up to 4.5% back in CRO on everyday spending, with higher rewards as you move up the tiers. This can be appealing if you spend heavily in categories that qualify for the top rates.
- You’re willing to stake CRO: To unlock the higher cashback tiers, you’ll need to stake a significant amount of CRO. If you’re already invested in CRO or are willing to lock up funds, this card can be rewarding.
- You prefer a prepaid card: The Crypto.com Visa Card is a prepaid card, which might suit your budgeting style better than a traditional credit card.
- You want options for fee-free foreign transactions: The higher tiers (Rose Gold, Icy White, and Obsidian) offer no foreign transaction fees, which can be beneficial if you travel or make international purchases frequently.
Choose the Gemini Credit Card if…
- You prefer a traditional credit card: The Gemini Credit Card is a credit card, which might be more convenient if you like the flexibility of credit and the ability to build credit history.
- You want no annual fee and no staking: This card has no annual fee and doesn’t require staking any cryptocurrency, making it a straightforward option for earning crypto rewards.
- You want rewards in a variety of cryptocurrencies: The Gemini Credit Card offers rewards in Bitcoin or over 50 other cryptocurrencies available on the Gemini platform, giving you more flexibility in choosing your preferred digital asset.
- You spend heavily on gas, EV charging, and transit: The card offers a high 4% back on these categories, though it’s capped at $300 per month. If you frequently use these services, this can be a lucrative feature.
Bottom Line
Ultimately, the choice between the Crypto.com Visa Card and the Gemini Credit Card hinges on your spending patterns and how you value different features. If you’re comfortable with staking CRO and want tiered rewards, the Crypto.com Visa Card might be the better fit. However, if you prefer a straightforward credit card with no annual fee and rewards in a variety of cryptocurrencies, the Gemini Credit Card could be more suitable. For more detailed comparisons, check out our rating methodology.