Yearly cost at three spending levels
| Monthly spend | Coinbase Card | Gemini Card |
|---|---|---|
| $500 | ≤ $0 Crypto rewards | ≤ -$132 Base rate |
| $2,000 | ≤ $0 Crypto rewards | ≤ +$48 Base rate |
| $5,000 | ≤ $0 Crypto rewards | ≤ +$408 Base rate |
Net value per year: cashback minus conversion, FX, ATM and fixed fees. US dollars, 20% foreign spending, one $200 ATM withdrawal a month. The card cost calculator runs the same comparison with your own habits.
Where the money goes at $2,000 a month
| Line | Coinbase Card Crypto rewards | Gemini Card Base rate |
|---|---|---|
| Top-up and conversion fees | $0 | Not disclosed |
| Spending fees | $0 | $0 |
| Foreign exchange markup | Not disclosed | $0 |
| ATM fees | $0 | -$192 |
| Annual, monthly and subscription fees | $0 | $0 |
| Cashback | Not disclosed | +$240 |
| Net per year | $0 | +$48 |
Fees
Coinbase Card charges 0% to convert or top up and Not disclosed on spending in a foreign currency. Gemini Card charges Not disclosed and 0%.
ATM withdrawals: Coinbase Card no card fee; Gemini Card 3% + $10.
A virtual card costs an undisclosed fee with Coinbase Card and nothing with Gemini Card. A physical card costs an undisclosed fee and nothing. Neither card has an annual fee on its base tier.
Cashback and rewards
Coinbase Card cashback: Variable, not published. Gemini Card cashback: 1%.
Coinbase Card tiers: Crypto rewards: rate not published.
Gemini Card tiers: Base rate: 1%.
Coinbase Card: Rewards are paid in a crypto you choose from a rotating list. Coinbase describes the rate as variable and shows it only in the app.
Gemini Card: 1% back on all other purchases. Higher rates apply by category - 4% on gas, EV charging, transit, taxis and rideshare (on up to $300 of spend a month, then 1%), 3% on dining and 2% on groceries (Costco, Sam's Club and Walmart are excluded). Rewards arrive instantly in bitcoin by default, or in one of 50+ other cryptos on Gemini. Some merchants pay 10% back through Gemini's merchant offers. The card carries variable APRs - purchases 16.74% to 34.74%, cash advances 29.74%, penalty APR 33.74%, based on a 7.00% prime rate on 25 September 2026.
Availability and KYC
Coinbase Card is offered in one country, including United States. Available in every US state except Hawaii.
Gemini Card is offered in one country, including United States. Gemini says residents of all 50 US states can apply. You must live in the US when you apply and for as long as the account stays open. Credit approval and a hard credit inquiry are required.
Coinbase Card needs full KYC and Gemini Card needs full KYC.
The card finder checks both cards against your country, KYC level and must-have features.
Limits, wallets and card types
Coinbase Card does not publish fixed spending or ATM limits.
Gemini Card does not publish fixed spending or ATM limits.
Coinbase Card does not list Apple Pay or Google Pay support, and Gemini Card works with Apple Pay and Google Pay. Gemini Card issues a virtual card you can use straight away.
Custody and safety
Coinbase Card scores 75/100. Licensing: issued by a bank or e-money institution regulated in a tier-one jurisdiction. The card is issued through Pathward, N.A.. 2025-05-15: Overseas support staff bribed by criminals copied customer data for under 1% of monthly transacting users. Coinbase said no passwords, private keys or funds were exposed. The user agreement says customer digital assets are held for customers, are not property of Coinbase and are not subject to claims of Coinbase's creditors.
Gemini Card scores 64/100. Licensing: issued by a bank or e-money institution regulated in a tier-one jurisdiction. The card is issued through WebBank. 2024-02-28: NYDFS fined Gemini Trust Company $37 million over the Gemini Earn program and unsafe practices. Gemini also committed $40 million toward Earn customers' recovery in the Genesis bankruptcy. 2024-06-14: The New York Attorney General settled with Gemini over Gemini Earn. Gemini returned about $50 million in digital assets to more than 230,000 Earn investors. 2025-01-13: A federal court entered a CFTC consent order against Gemini Trust over misleading 2017 statements to the CFTC about a bitcoin futures contract. Gemini paid a $5 million civil penalty. 2026-01-23: The SEC dismissed with prejudice its January 2023 case against Gemini over Gemini Earn. It cited the 100% in-kind return of Earn investors' crypto. The card is issued by WebBank and serviced by Gemini Constellation, LLC. Rewards sit in a custodial Gemini account held by Gemini Trust Company (New York and Idaho customers) or Gemini Moonbase, LLC, which is licensed as a money transmitter and registered with FinCEN as a money services business. No proof-of-reserves report was found. In 2026 Gemini closed its UK, EEA and Australian accounts; the US card is not affected.
Full reports: Coinbase Card safety check and Gemini Card safety check.
About each card
Coinbase Card is a custodial Visa card from Coinbase. It tops up with USDC.
Gemini Credit Card is a custodial Mastercard from Gemini.
Which card fits you
Coinbase Card fits if
- Most of your spending is in your home currency, where its lower conversion fee counts most.
- You live in United States, the only market it serves.
- You weigh licensing and fund segregation heavily, since it scores higher on our safety check.
Gemini Card fits if
- You spend in foreign currencies often, since its FX markup is lower.
- You live in United States, the only market it serves.
- You want a higher cashback ceiling (up to 1%).
Read more: Coinbase Card fees and details · Gemini Card fees and details