Gemini Credit Card vs Ether.fi Cash: 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
CREDITEther.Fi Cash Ltd logo
CASHBACK
4%
ANNUAL FEE
Core free…
ETHER.FI CASH
ETHER.FI CASH LTD
VISA

Ether.fi Cash

Ether.Fi Cash Ltd
  • Self-custody
  • Virtual card
  • 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 Ether.fi Cash
CriterionGemini Credit CardEther.fi Cash
Overall4.3 / 54.1 / 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.4.0The Core plan is free, but FX is about 1–1.5% and a physical card costs $50.
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.5.0Core's 3% needs no paid plan, stake or balance, and the top advertised rate (4%) is close to what Core pays.
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 50+ assets.4.0Core pays 3% on the first $2,000/month — about $45 at $1,500 spend — but in ETHFI, ether.fi's own token.
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 2026.3.5Fees, tiers and terms are documented clearly in ether.fi's own help centre, which counts in its favour. The terms have also moved several times this year: rewards switched to ETHFI, rates now step down past each tier's monthly threshold, card spending earns fewer membership points since 15 September, and the cashback terms were revised again on 11 September 2026.
Ether.fi Cash

Ether.fi Cash is a strong crypto card for experienced users who value self-custody and high cashback, but its tier system, annual costs, and spending conditions make it less attractive for ordinary users. The 3–4% headline cashback is compelling, yet the best rates depend on tier and monthly caps, while FX costs and membership requirements reduce the real-world value. Overall, it is a powerful but relatively complex card rather than an obvious all-round winner.

QUICK VERDICT

Who wins on what

  • CHEAPER TO HOLD
    Gemini Credit Card
    no annual fee vs Core free; Luxe $199/year; Pinnacle $999/year; VIP by invitation
  • KEEPS YOUR KEYS
    Ether.fi Cash
    spends from your own wallet, not a custodial balance
  • NO TOKEN LOCK-UP
    Gemini Credit Card
    headline rate without staking

Only stated where the published data supports it. A card with a tiered or conditional fee is not counted as free.

THE SHORT VERSION

How they actually differ

  • Rewards arrive in different assets: BTC, ETH, SOL, XRP, DOGE, 50+ cryptos on the Gemini Credit Card, ETHFI on the Ether.fi Cash.
  • Gemini Credit Card runs on Mastercard; Ether.fi Cash runs on Visa.
EVERY FIELD

Gemini Credit Card vs Ether.fi Cash, side by side

Full field-by-field comparison of the Gemini Credit Card and the Ether.fi Cash
FieldGemini Credit CardEther.fi Cash
Card typeCreditCredit
NetworkMastercardVisa
Max cashbackUp to 4%Up to 4%
Rewards paid inBTC, ETH, SOL, XRP, DOGE, 50+ cryptosETHFI
Annual feeFreeFree
Core: free · Luxe: $199/year · Pinnacle: $999/year · VIP: by invitation
Monthly feeNoneNone
FX fee0%~1–1.5%
~1% base rate, plus up to 0.5% markup on Core and up to 0.25% on Luxe; no markup on Pinnacle or VIP. Purchases charged in EUR are converted at the market rate with no FX markup
ATM feeCash advance fees apply (standard credit card)Free up to 10 withdrawals/mo on Pinnacle and VIP
Crypto conversionFreeNo separate crypto conversion fee published
Where it worksUnited States only (closed UK & EU in April 2026)Andorra, Angola, Antigua & Barbuda, Argentina, Australia, Austria, Bahamas, Bahrain, Bangladesh, Barbados, Belgium, Belize, Bolivia, Brazil, British Virgin Islands, Bulgaria, Canada, Cayman Islands, Chile, Colombia, Costa Rica, Croatia, Cyprus, Czech Republic, Denmark, Dominica, Dominican Republic, Ecuador, El Salvador, France, Germany, Gibraltar, Greece, Guernsey, Guatemala, Guyana, Honduras, Hong Kong, Hungary, Iceland, Indonesia, Ireland, Isle of Man, Italy, Japan, Jersey, Latvia, Liechtenstein, Lithuania, Luxembourg, Malaysia, Maldives, Malta, Mexico, Monaco, New Zealand, Nigeria, Norway, Oman, Palau, Panama, Paraguay, Peru, Philippines, Poland, Portugal, Puerto Rico, Romania, Saudi Arabia, Seychelles, Singapore, Slovakia, Slovenia, South Africa, South Korea, Spain, St. Kitts & Nevis, St. Lucia, St. Vincent & the Grenadines, Suriname, Sweden, Switzerland, Taiwan, Thailand, Trinidad & Tobago, Turks & Caicos Islands, UAE, UK, United States (only Alabama, Alaska, Arkansas, California, Colorado, Connecticut, District of Columbia, Florida, Hawaii, Illinois, Indiana, Iowa, Kansas, Kentucky, Maine, Massachusetts, Michigan, Minnesota, Nebraska, New Hampshire, New Jersey, New York, North Carolina, Oklahoma, Pennsylvania, South Carolina, Texas, Utah, Virginia, West Virginia, Wyoming), Uruguay, Vanuatu.
Self-custodyNoYes
No staking neededYesNo
Apple PayYesYes
Google PayYesYes
Virtual card—Yes

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.

COMMON QUESTIONS

Gemini Credit Card vs Ether.fi Cash: common questions

Which is better, the Gemini Credit Card or the Ether.fi Cash?

It depends on what you optimise for. Gemini Credit Card is a credit card advertising up to 4%; Ether.fi Cash is a credit card advertising up to 4%. Compare their fees, regions and custody model side by side before deciding.

Can I get both the Gemini Credit Card and the Ether.fi Cash?

Usually yes — these are separate products from different issuers, so holding one does not prevent you from applying for the other, provided you meet each issuer's own eligibility and region requirements.

GO DEEPER

Read the full review of each

Gemini Credit Card review →Ether.fi Cash review →Compare three cards instead

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