Gemini Credit Card vs KuCoin Card (KuCard)

Comparing: two crypto cards
Decided by: Editorial rating
Last reviewed: 2026-08-25

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.

KuCoin Card (KuCard)2.7

KuCoin Card is a New Zealand only debit card paying 1% to 3% base cashback in USDC or KCS by VIP tier, with a KCS Loyalty bonus pushing the maximum toward 8.5%.

Verdict: Gemini Credit Card

Gemini Credit Card rates higher on our rubric: 4.2 against 2.7 for KuCoin Card (KuCard).

Criterion: Editorial rating
Gemini Credit Card: 4.2
KuCoin Card (KuCard): 2.7

Gemini Credit Card and KuCoin Card (KuCard), 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.

Gemini Credit Card and KuCoin Card (KuCard) compared fact by fact from their reviews; a check marks the side a decidable criterion favours.
Fact	Gemini Credit Card	KuCoin Card (KuCard)
Editorial rating	4.2 (favoured on this row)	2.7
Issuer	Gemini (issued by WebBank)	KuCoin
Cashback	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.	New Zealand program: 1% to 3% base cashback (USDC or KCS) by VIP tier, plus up to a further 5.5% KCS Loyalty Level bonus, capped at 250 USDC redeemed per month. A separately reported EEA program's cashback terms are not confirmed on an official KuCoin page.
Top reward tier	1% back (All other purchases)	3% cashback (VIP 11-12)
Reward tiers	4	7
Fees	$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.	New Zealand program's fee structure is not detailed in the reviewed KuCoin support article beyond cashback caps; a separately reported EEA program cites roughly a 10 EUR annual fee (waived above 500 EUR/year spend), a 9.99 EUR physical card fee, and a 2% international FX fee, none of which are confirmed on an official KuCoin page.
Countries issued in	2	1
Countries both are issued in	0	0
Last reviewed	2026-08-25	2026-08-25

Pros and cons, side by side

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

KuCoin Card (KuCard)

What works

Cashback can reach as high as 8.5% for large KCS holders combining VIP status and Loyalty Level bonuses
No staking lockup is described for the New Zealand program's base VIP-tier cashback, unlike some competitors' 12-month lockups
Multiple tiers are reachable purely through exchange trading volume (VIP status) rather than requiring a card-specific deposit
Cashback is paid in USDC or KCS, so the payout can be a dollar stablecoin rather than the exchange's own token

What to watch

KuCoin operates what appear to be two distinct, non-overlapping card programs under the same brand name, creating real risk of publishing the wrong country's terms as universal
Even at the highest combined cashback percentage, redemption is capped at 250 USDC per month, limiting the real-dollar value for high spenders
The separately reported EEA program's fees are not corroborated on any page KuCoin itself hosts, and should be treated as unverified
Entry-tier cashback for typical users without meaningful KCS holdings or trading volume is as low as 1%, capped at just 10 USDC per month

Frequently asked questions

Is Gemini Credit Card or KuCoin Card (KuCard) better?

Gemini Credit Card rates higher on our rubric: 4.2 against 2.7 for KuCoin Card (KuCard). 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, Gemini Credit Card or KuCoin Card (KuCard)?

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.. KuCoin Card (KuCard): New Zealand program: 1% to 3% base cashback (USDC or KCS) by VIP tier, plus up to a further 5.5% KCS Loyalty Level bonus, capped at 250 USDC redeemed per month. A separately reported EEA program's cashback terms are not confirmed on an official KuCoin page.. 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 Gemini Credit Card and KuCoin Card (KuCard)?

Both are issued in no country we track, on each issuer's own eligibility page. Gemini Credit Card is issued in 2 countries we track and KuCoin Card (KuCard) in 1.

The full reviews: Gemini Credit Card and KuCoin Card (KuCard), each with its sources, and every crypto card we review.

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