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Gemini Credit Card vs Nexo Card

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

Nexo Card3.3

Nexo Card is a dual debit/credit Mastercard for European Economic Area residents that pays up to 2% crypto cashback in Credit Mode without needing to sell your crypto.

Verdict: Gemini Credit Card

Gemini Credit Card rates higher on our rubric: 4.2 against 3.3 for Nexo Card.

Criterion
Editorial rating
Gemini Credit Card
4.2
Nexo Card
3.3

Gemini Credit Card and Nexo 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.

Gemini Credit Card and Nexo Card compared fact by fact from their reviews; a check marks the side a decidable criterion favours.
FactGemini Credit CardNexo Card
Editorial rating4.2 (favoured on this row)3.3
IssuerGemini (issued by WebBank)Nexo
Cashback4% 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.Up to 2% crypto cashback (in NEXO Tokens) or 0.5% in Bitcoin when spending in Credit Mode, tiered by Loyalty Program status which requires a $5,000+ digital asset balance.
Top reward tier1% back (All other purchases)2% in NEXO Tokens or 0.5% in BTC (Platinum)
Reward tiers44
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.No monthly, annual, or inactivity fee; free ATM withdrawals scale with Loyalty Tier from €200 to €2,000/month, and foreign transaction fees range from 0.2% (EEA/UK/CH weekday) to 2.5% (rest of world weekend).
Countries issued in230
Countries both are issued in00
Last reviewed2026-08-252026-08-24

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

Nexo Card

What works

  • Credit Mode lets you spend without selling your crypto, retaining upside exposure
  • No monthly, annual, or inactivity card fee
  • Unspent balance earns daily-compounding interest up to roughly 13% per year
  • Free ATM allowance scales meaningfully with Loyalty Tier, up to €2,000/month at Platinum

What to watch

  • Cashback only applies in Credit Mode, not when spending directly from crypto in Debit Mode
  • Requires a $5,000+ digital asset balance just to join the Loyalty Program and start earning cashback
  • Foreign transaction fees outside the EEA/UK/Switzerland run 2-2.5%, notably higher than the 0.2-0.7% domestic-region rate
  • A physical card requires at least Gold Loyalty Tier status, a higher bar than the virtual card's $50 minimum

Frequently asked questions

Is Gemini Credit Card or Nexo Card better?

Gemini Credit Card rates higher on our rubric: 4.2 against 3.3 for Nexo 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, Gemini Credit Card or Nexo Card?

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.. Nexo Card: Up to 2% crypto cashback (in NEXO Tokens) or 0.5% in Bitcoin when spending in Credit Mode, tiered by Loyalty Program status which requires a $5,000+ digital asset balance.. 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 Nexo Card?

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 Nexo Card in 30.

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

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