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Gemini Credit Card vs Wirex 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.

Wirex Card3.0

Wirex Card is a multi-region Visa/Mastercard debit card offering 0.5% to 8% Cryptoback rewards in WXT, with the top rate gated behind a paid plan and a 7.5 million WXT lockup.

Verdict: Gemini Credit Card

Gemini Credit Card rates higher on our rubric: 4.2 against 3.0 for Wirex Card.

Criterion
Editorial rating
Gemini Credit Card
4.2
Wirex Card
3.0

Gemini Credit Card and Wirex 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 Wirex Card compared fact by fact from their reviews; a check marks the side a decidable criterion favours.
FactGemini Credit CardWirex Card
Editorial rating4.2 (favoured on this row)3.0
IssuerGemini (issued by WebBank)Wirex Limited (UK, FCA-regulated EMI) / Wirex UAB (Lithuania, EEA passporting)
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.Cryptoback in WXT ranges 0.5% on the free Standard plan up to 8% on the Elite Ultimate plan, which requires a €29.99/month subscription plus 7.5 million WXT locked for 180 days.
Top reward tier1% back (All other purchases)8% Cryptoback (Elite Ultimate)
Reward tiers48
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-$41.0% FX markup advertised on ordinary fiat card spending across all tiers, a roughly 0.5-1.5% crypto-to-fiat conversion spread, and free monthly ATM withdrawals up to a tier- and region-specific allowance before a 2% fee applies.
Countries issued in235
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

Wirex Card

What works

  • No issuance fee for virtual or physical cards on any tier
  • 0% advertised FX markup on fiat card spending across all subscription tiers
  • Free Standard tier still earns 0.5% Cryptoback with no subscription required
  • Wide country coverage across Europe, Asia-Pacific, and Latin America

What to watch

  • The advertised 8% cashback requires both a €29.99/month subscription and locking 7.5 million WXT for 180 days
  • Rewards are paid in WXT, Wirex's own token, so their fiat value floats after crediting
  • Crypto-to-fiat conversion carries a separate spread of roughly 0.5-1.5% not included in the 0% FX headline
  • An inactivity fee of roughly €5/month applies to dormant fiat balances after extended non-use

Frequently asked questions

Is Gemini Credit Card or Wirex Card better?

Gemini Credit Card rates higher on our rubric: 4.2 against 3.0 for Wirex 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 Wirex 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.. Wirex Card: Cryptoback in WXT ranges 0.5% on the free Standard plan up to 8% on the Elite Ultimate plan, which requires a €29.99/month subscription plus 7.5 million WXT locked for 180 days.. 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 Wirex 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 Wirex Card in 35.

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

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