Gemini Credit Card vs Coinbase Card: which wins?

Cashback, annual fee, FX and ATM charges, custody and country availability — both cards on the same fields, taken from each issuer's published terms; each card page shows when its data was last verified.

CREDITGemini, issued by WebBank logo
CASHBACK
4%
ANNUAL FEE
Free
GEMINI CREDIT CARD
GEMINI, ISSUED BY WEBBANK
MASTERCARD

Gemini Credit Card

Gemini, issued by WebBank
  • No fees
  • No FX fees
  • No staking
  • Apple Pay
DEBITissued by Pathward, N.A.; powered by Marqeta logo
CASHBACK
Variable
ANNUAL FEE
Free
COINBASE CARD
ISSUED BY PATHWARD, N.A.; POWERED BY MARQETA
VISA

Coinbase Card

issued by Pathward, N.A.; powered by Marqeta
  • No fees
  • No staking
  • Apple Pay
  • Google Pay
OUR SCORE

How we rate them

Our own assessment, not a user rating — four criteria at 25% each, scored against each issuer's published terms. See the scoring model.

Editorial scores for the Gemini Credit Card and the Coinbase Card
CriterionGemini Credit CardCoinbase Card
Overall4.3 / 54.0 / 5
Cost 25%5.0No annual fee, no foreign transaction fee and no cost to convert rewards — one of the few cards here with nothing to pay for holding or using it.4.5No annual or card fee and no Coinbase transaction fee on spending; the cost is the spread Coinbase applies when it converts crypto.
Conditions 25%4.5A real credit card, so it needs approval, but there is no stake, balance or subscription. The 4% headline applies only to fuel and transit, and only to $300 a month.5.0Nothing to stake, hold or subscribe to, and no minimum balance.
Rewards 25%3.5Blended across its categories, typical spending earns roughly 1.8%: 4% on fuel and transit to $300, 3% dining, 2% groceries, 1% elsewhere, in your choice of 60+ assets.2.0There is no standing cashback rate — rewards are rotating offers you opt into in the app, so a cardholder cannot count on a particular return.
Reliability 25%4.0Issued by WebBank with clearly published terms and an established exchange behind it, though Gemini withdrew the card from the UK and EU in April 2026.4.5A large, publicly listed issuer with clear terms, issued by Pathward, and our data was re-checked this month.
THE SHORT VERSION

How they actually differ

  • Gemini Credit Card is a credit card while Coinbase Card is a debit card — that changes how you fund it, not just what it pays.
  • Rewards arrive in different assets: BTC, ETH, SOL, XRP, DOGE, 60+ cryptos on the Gemini Credit Card, Cryptocurrency tokens from the currently available Coinbase reward offers on the Coinbase Card.
  • Gemini Credit Card runs on Mastercard; Coinbase Card runs on Visa.
EVERY FIELD

Gemini Credit Card vs Coinbase Card, side by side

Full field-by-field comparison of the Gemini Credit Card and the Coinbase Card
FieldGemini Credit CardCoinbase Card
Card typeCreditDebit
NetworkMastercardVisa
Max cashbackUp to 4%Variable
Rewards paid inBTC, ETH, SOL, XRP, DOGE, 60+ cryptosCryptocurrency tokens from the currently available Coinbase reward offers
Annual feeFreeFree
Monthly feeNoneNone
FX fee0%No Coinbase transaction fee for card spending; crypto conversion may include Coinbase's spread
ATM feeCash advance fees apply (standard credit card)No Coinbase fee; ATM operator fees may apply
Crypto conversionFreeNo Coinbase card transaction fee; Coinbase includes a spread when it buys, sells or trades cryptocurrency
Where it worksUnited States only (closed UK & EU in April 2026)US
Self-custodyNoNo
No staking neededYesYes
Apple PayYesYes
Google PayYesYes
Virtual card——

A dash means the issuer has not published that figure — it does not mean zero. See our methodology for how each field is verified. Rewards and availability change often and vary by region. Not financial advice.

GO DEEPER

Read the full review of each

Gemini Credit Card review →Coinbase Card review →Compare three cards instead

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