Robinhood Gold Card vs Gemini Credit Card
How does Robinhood Gold Card compare to Gemini Credit Card? A side-by-side look at fees, rewards, custody and availability.
Higher score: Gemini Credit Card · provisional, see how we rate
Quick answer. Robinhood Gold Card and Gemini Credit Card are both crypto cards — here's how they differ. Key differences: network (Robinhood Gold Card: Visa vs Gemini Credit Card: Mastercard); annual fee (Robinhood Gold Card: No card annual fee, but requires a Robinhood Gold subscription ($50/year) vs Gemini Credit Card: $0 (no annual fee)). Our provisional scoring rates Gemini Credit Card higher (7.1/10 vs 6.5/10), but the best pick depends on your country and how you spend.
| Feature | Robinhood Gold Card | Gemini Credit Card |
|---|---|---|
| Our score | 6.5/10 | 7.1/10 |
| Type | Credit | Credit |
| Networks | Visa | Mastercard |
| Rewards | 3% cash back on all categories (3x points); up to 5x points on travel booked via the Travel Portal; points redeemable into cryptocurrency via Robinhood Crypto at $0.01 per point | 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 | No card annual fee, but requires a Robinhood Gold subscription ($50/year) | $0 (no annual fee) |
| FX fee | — | No foreign transaction fees |
| ATM fee | — | — |
| KYC | Full | — |
| Custody | Custodial | Custodial |
| Supported coins | Card spends USD fiat; reward points can be redeemed into user-selected cryptocurrencies via Robinhood Crypto | Rewards in Bitcoin or 50+ cryptos available on Gemini |
| Availability | United States | — |
| Apple / Google Pay | — | — |
If you’re deciding between the Robinhood Gold Card and the Gemini Credit Card, the right choice depends on your spending habits, crypto interests, and fee preferences. Both cards offer unique advantages for crypto enthusiasts, but they cater to different needs.
Choose Robinhood Gold Card if…
- You want a flat 3% cash back on all purchases: The Robinhood Gold Card offers a consistent 3% cash back across all categories, making it a straightforward option for users who want simplicity in their rewards.
- You plan to book travel through the Travel Portal: With up to 5x points on travel booked via the Robinhood Travel Portal, this card is ideal for frequent travelers who can maximize their rewards on travel expenses.
- You already use Robinhood for crypto and brokerage: If you’re already a Robinhood user, the ability to redeem points directly into cryptocurrency via Robinhood Crypto at a fixed rate of $0.01 per point is a seamless integration.
- You prefer a card with no card annual fee: While the card itself has no annual fee, it does require a Robinhood Gold subscription ($50/year), which is a consideration for your overall costs.
Choose Gemini Credit Card if…
- You want higher rewards on specific categories: The Gemini Credit Card offers up to 4% crypto back on gas, EV charging, and transit (up to $300/month, then 1%), 3% on dining, and 2% on groceries, which is attractive if you spend heavily in these areas.
- You prefer a card with no annual fee and no foreign transaction fees: The Gemini Credit Card has no annual fee and no foreign transaction fees, making it a cost-effective option for international travelers.
- You want real-time crypto rewards in a variety of cryptocurrencies: With rewards deposited in real-time to a Gemini account and the option to receive rewards in Bitcoin or over 50 other cryptocurrencies, this card is perfect for those who want flexibility in their crypto rewards.
- You don’t mind a cap on the top reward rate: The 4% reward rate on gas, EV charging, and transit is capped at $300/month, after which it drops to 1%, which is a factor if you have high monthly expenses in these categories.
Bottom line
Ultimately, the choice between the Robinhood Gold Card and the Gemini Credit Card hinges on your spending patterns and preferences. If you value a flat 3% cash back and the ability to redeem points into crypto with a seamless integration into the Robinhood ecosystem, the Robinhood Gold Card is a strong contender. However, if you prefer higher rewards on specific categories, no annual fee, no foreign transaction fees, and the flexibility to earn rewards in a wide range of cryptocurrencies, the Gemini Credit Card might be the better fit. For more detailed comparisons, check out our rating methodology.