Gemini Credit Card vs Nexo Card
How does Gemini Credit Card compare to Nexo Card? A side-by-side look at fees, rewards, custody and availability.
Higher score: Nexo Card · provisional, see how we rate
| Feature | Gemini Credit Card | Nexo Card |
|---|---|---|
| Our score | 7.1/10 | 7.8/10 |
| Type | Credit | Credit |
| Networks | Mastercard | Mastercard |
| Rewards | Up to 4% crypto back: 4% on gas, EV charging & transit (up to $300/mo, then 1%), 3% dining, 2% groceries, 1% everything else | Up to 2% crypto cashback in Credit Mode, tiered: Platinum 2% NEXO or 0.5% BTC, Gold 1% NEXO or 0.3% BTC, Silver 0.7% NEXO or 0.2% BTC, Base 0.5% NEXO or 0.1% BTC (cashback requires balance above $5,000 in digital assets) |
| Annual fee | $0 (no annual fee) | No monthly, annual, or inactivity card fees |
| FX fee | No foreign transaction fees | Weekdays: 0.2% (EEA/UK/CH), 2% (rest of world); Weekends: 0.7% (EEA/UK/CH), 2.5% (rest of world) |
| ATM fee | — | Free ATM withdrawals up to a monthly allowance that varies by tier (e.g. Platinum up to €2,000 / £1,800 per month); 2% fee (min €/£1.99) above the free allowance |
| KYC | — | Full |
| Custody | Custodial | Custodial |
| Supported coins | Rewards in Bitcoin or 50+ cryptos available on Gemini | Cashback paid in NEXO or BTC |
| Availability | — | Selected European countries, including the EEA and the United Kingdom |
| Apple / Google Pay | — | Yes |
Choosing between the Gemini Credit Card and the Nexo Card depends on your specific needs and spending habits. Both cards offer unique benefits, but they cater to different types of users. Here’s a detailed comparison to help you decide which one is right for you.
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. This is significantly higher than the Nexo Card’s maximum of 2%.
- You prefer a straightforward rewards structure: With the Gemini Credit Card, you earn rewards in Bitcoin or over 50 other cryptocurrencies available on Gemini, with no additional requirements like maintaining a minimum balance.
- You want no foreign transaction fees: The Gemini Credit Card does not charge any foreign transaction fees, making it a great option for international travelers.
- You don’t want an annual fee: The Gemini Credit Card has no annual fee, which is a significant advantage for those looking to minimize costs.
Choose Nexo Card if…
- You are based in Europe or the UK: The Nexo Card is available in selected European countries, including the EEA and the UK, making it a suitable option for residents in these regions.
- You want flexibility in payment modes: The Nexo Card offers a dual Credit/Debit mode that can be switched in-app, providing more flexibility depending on your needs.
- You have a substantial digital asset portfolio: The highest cashback rate of 2% and the best fee tiers require a Loyalty tier based on holding NEXO tokens and maintaining a balance of $5,000 or more in digital assets.
- You value low FX fees in certain regions: The Nexo Card offers low foreign exchange fees of 0.2% on weekdays for EEA/UK/CH transactions, which is beneficial if you frequently travel or make purchases in these areas.
- You want free ATM withdrawals up to a certain limit: The Nexo Card provides free ATM withdrawals up to a monthly allowance that varies by tier, which can be advantageous for those who rely on cash.
Bottom line
Ultimately, the choice between the Gemini Credit Card and the Nexo Card hinges on your location, spending habits, and asset portfolio. If you prioritize high rewards on specific categories and no foreign transaction fees, the Gemini Credit Card is a strong contender. On the other hand, if you are based in Europe or the UK and have a significant digital asset portfolio, the Nexo Card offers attractive cashback and fee benefits. For more detailed insights on how we rate these cards, visit our rate page.