Compare cards
Compare cards side by side, up to 3 at a time.
Headline cashback rates rarely match what you'll actually earn once staking requirements and fees are factored in. This table shows each card's real terms: cashback, monthly and annual fees, KYC requirements, custody model, and where it's actually available. Check the numbers here before you apply.
Select the cards you'd like to compare
Search or browse the categories below
| Overview | |||
| Issuer | Gemini | ||
| Network | Mastercard | ||
| Card type | Physical | ||
| Last verified | Oct 2026 | ||
| Rewards | |||
| Top reward | Up to 4% crypto reward | ||
| Rate range | 1%–4% | ||
| Reward paid in | BTC | ||
| Crypto Reward | 4% | ||
| Fees | |||
| FX fee | Free | ||
| Late Payment Fee | $35.00 | ||
| Returned Payment Fees | $35.00 | ||
| Cash Advance | $10.00 + 3% | ||
| Annual Fee | Free | ||
| Limits | |||
| Cash Advance limit | $1,000.00 /day | ||
| Requirements | |||
| KYC required | Yes | ||
| Eligibility | None | ||
| Available in | United States | ||
| KYC level | Basic | ||
| Documents required | A verified Gemini Exchange account. | ||
| Proof of address | Required | ||
| Source-of-funds checks | Yes | ||
| Credit terms | |||
| Credit model | unsecured | ||
| Purchase APR | 16.74–34.74% Variable | ||
| Cash-advance APR | 29.74% | ||
| Grace period | 25 days | ||
| Verdict | |||
| Pros |
| ||
| Cons |
| ||
- Offers 3% crypto back on dining purchases.
- Offers 2% crypto back on eligible grocery purchases.
- Has no annual fee or foreign transaction fee.
- Lets cardholders earn rewards in Bitcoin by default, or choose from 50+ supported cryptocurrencies.
- The 4% category is capped at $300 in monthly spend before dropping to 1%.
- Grocery rewards exclude several large retailers and specialty purchase types.
- Merchant coding can reduce an expected bonus category to 1%.
- Purchase APR is variable and can range as high as 34.74%.
- Cash advances cost the greater of $10 or 3% and start accruing interest on the transaction date.
Frequently asked questions
What should I compare besides the headline cashback rate?
The advertised rate is usually the maximum, and it's often gated behind a staking requirement in the issuer's own token. Compare the realistic rate at a spending level you'd actually hit, the monthly or annual fee, ATM and foreign-transaction fees, and what currency the rewards are paid in. A rate paid in a volatile token is worth less than the same rate paid in a stablecoin.
What's the difference between a custodial and a self-custodial card?
A custodial card holds your balance with the issuer and converts it to fiat at the point of sale. If the issuer fails, your funds become a claim against them, not something you can recover directly. A self-custodial card spends from a wallet whose keys you control. The issuer authorizes each transaction but never holds your balance.
Why do fees vary so much between cards that both advertise no monthly fee?
A monthly or annual fee is only one line item. Cards can separately charge for ATM withdrawals above a free allowance, a foreign-transaction spread, topping up by credit card versus debit or crypto, card replacement, and inactivity. Two cards that both advertise a $0 monthly fee can still end up costing very differently once those are added up.
Does comparing cards here change how EchoTerminal ranks them?
No. Every card is scored against the same fixed methodology, and each review is written by a named analyst and checked against the issuer's own terms. A card's rating and ranking are never changed by a commercial relationship, and no issuer can pay for a better score.
Editorial independence
Every card is scored against the same fixed methodology by a named analyst, checked line by line against the issuer's own application and pricing pages. A card's rating, ranking, and "pros and cons" are never changed by a commercial relationship, and no issuer can pay for a better score. Our opinions are our own.
Advertiser disclosure
You come first. Every time.
We believe everyone should be able to compare crypto cards with confidence. While we don't cover every card on the market, we work hard to show a wide range of issuers alongside honest, independent analysis.
So how do we make money? Some issuers pay us when you apply through our links, and in some cases applying through our link also gets you a bonus or better terms than applying directly; we note this on the card's own page whenever it's current and verified. It never changes a card's rating, ranking, or verdict. No issuer can pay us for a better score.