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Coinbase Card vs Gemini Credit Card

Comparing
two crypto cards
Decided by
Editorial rating
Last reviewed
2026-08-25
Coinbase Card3.6

Coinbase Card is a fee-free Visa debit card that spends straight from your Coinbase balance and pays up to 4% back in rotating crypto rewards for US users.

Gemini Credit Card4.2

Gemini Credit Card is a US-only Mastercard World Elite credit card with no annual fee that pays up to 4% back in your choice of over 50 cryptocurrencies on gas, EV charging, and transit.

Verdict: Gemini Credit Card

Gemini Credit Card rates higher on our rubric: 4.2 against 3.6 for Coinbase Card.

Criterion
Editorial rating
Coinbase Card
3.6
Gemini Credit Card
4.2

Coinbase Card and Gemini Credit Card, fact by fact

Every row is from the two reviews as of their review dates, with sources on each. A check marks the side a decidable criterion favours; rows without one are information, not a score.

Coinbase Card and Gemini Credit Card compared fact by fact from their reviews; a check marks the side a decidable criterion favours.
FactCoinbase CardGemini Credit Card
Editorial rating3.64.2 (favoured on this row)
IssuerCoinbaseGemini (issued by WebBank)
CashbackUS Visa debit: rotating rewards up to 4% on selected altcoins, 1% on BTC/ETH/DOGE/DAI. Coinbase One Card: 2% to 4% Bitcoin back tiered by Assets on Coinbase, capped at the first $10,000 of monthly spend for the boosted tiers.4% back on gas, EV charging, transit, taxis, and rideshare (capped at $300/month combined spend, then 1%), 3% on dining, 2% on groceries, and 1% on everything else, paid in a choice of 50+ cryptocurrencies.
Top reward tier4% Bitcoin back (Coinbase One Card, $200,000+ AOC)1% back (All other purchases)
Reward tiers54
FeesNo annual, monthly, or issuer-side ATM/foreign-transaction fee on the US Visa debit card; the Coinbase One Card carries a required paid membership starting at $4.99/month instead of a card fee.$0 annual fee and $0 foreign transaction fee, confirmed on Gemini's own page; variable purchase APR of roughly 16.49% to 34.49%, a cash advance fee of the greater of $10 or 3%, and late/returned payment fees up to $35-$41.
Countries issued in322
Countries both are issued in11
Last reviewed2026-08-242026-08-25

Pros and cons, side by side

Coinbase Card

What works

  • No monthly or annual fee on the base Visa debit card
  • No issuer-side foreign transaction or ATM fee in the current cardholder agreement
  • Coinbase One Card's Bitcoin-back tiers scale up to 4% for larger Coinbase balances
  • Widely accepted Visa network with Apple Pay and Google Pay support

What to watch

  • Rewards on the plain Visa debit card are US-only; UK and EEA cardholders can spend but earn nothing
  • Coinbase One Card rewards require a paid membership on top of the card itself
  • The 2.5-4% Coinbase One Card tiers are capped at the first $10,000 of monthly spend, reverting to 2% after that
  • Buying crypto with either card is treated as a cash advance with a high APR and no rewards

Gemini Credit Card

What works

  • No annual fee and no foreign transaction fee, confirmed directly by the issuer
  • Rewards can be chosen from over 50 cryptocurrencies and are credited instantly with no exchange fee
  • Dining (3%) and groceries (2%) rewards are uncapped, unlike the 4% category
  • Four co-branded editions (Standard, Bitcoin, Solana, XRP) let cardholders default rewards to a preferred asset, with Solana auto-staking for extra yield

What to watch

  • The headline 4% category caps at just $300 of combined monthly spend, dropping to 1% immediately after
  • Available only to US residents in the 50 states plus Puerto Rico, with no international rollout
  • Variable purchase APR can run as high as roughly 34.49% for lower-credit applicants
  • Grocery rewards exclude several major retailers (Costco, Sam's Club, Walmart) based on merchant category code

Frequently asked questions

Is Coinbase Card or Gemini Credit Card better?

Gemini Credit Card rates higher on our rubric: 4.2 against 3.6 for Coinbase Card. The rating follows the product rubric on our about page; the rows above set rewards, fees and availability side by side.

Which pays more cashback, Coinbase Card or Gemini Credit Card?

Coinbase Card: US Visa debit: rotating rewards up to 4% on selected altcoins, 1% on BTC/ETH/DOGE/DAI. Coinbase One Card: 2% to 4% Bitcoin back tiered by Assets on Coinbase, capped at the first $10,000 of monthly spend for the boosted tiers.. Gemini Credit Card: 4% back on gas, EV charging, transit, taxis, and rideshare (capped at $300/month combined spend, then 1%), 3% on dining, 2% on groceries, and 1% on everything else, paid in a choice of 50+ cryptocurrencies.. Headline rates on crypto cards are usually gated by a staked or locked balance, and each review sets out the tiers.

Where can I get both Coinbase Card and Gemini Credit Card?

Both are issued in United States, on each issuer's own eligibility page. Coinbase Card is issued in 32 countries we track and Gemini Credit Card in 2.

The full reviews: Coinbase Card and Gemini Credit Card, each with its sources, and every crypto card we review.

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