Weekly Crypto Card Intel — fee changes, new cards, cashback drops. Free.
Comparing BitPay Card and Gemini Credit Card on fees, cashback, custody, and where each card is available. All data is current for 2026.
Some cards on this page link to affiliate partners, and we may earn a commission if you sign up. The comparison verdict comes from our public scoring formula either way — read our editorial disclosure.
The short version:
Gemini Credit scores 4.5/5 on Sweepbase vs 3.5/5 for BitPay. That gap shows up mostly in fees and feature coverage.
Gemini Credit Card is the better card here. Gemini Credit also lets you earn yield on your deposits, something BitPay doesn't offer. It works with Apple Pay and Google Pay, which is useful if you pay by phone. However, BitPay may be better if you need something it does better.
In short: Gemini Credit Card (4.5/5) is the stronger option for most people compared to BitPay Card (3.5/5).
| Features |  BitPay Card |  Gemini Credit Card |
|---|---|---|
| Virtual only | Virtual + Physical | |
| Custodial | Custodial | |
| Mastercard Standard | Mastercard Credit | |
| Free | Free | |
| Free | Free | |
| 0% foreign transaction fees, Mastercard standard conversion rates | 0% foreign transaction fees (2.49% applies only to crypto purchases on Gemini exchange | |
| None (program paused since June 2023; new applications on waitlist only, no relaunch date as of May 2026) | 4% on gas, 3% on dining, 2% on groceries, 1% on everything else. 4% category capped at $200/month spend. Cashback auto-converts to crypto of choice (50+ options). APR 18.99-34.99%. | |
| Based on loaded balance | Cash advance only; 3% + $10 fee, 29.99% APR | |
| Not available (virtual only) | Referral: $50 per friend + $250 bonus per 5 referrals (up to $5000/year) | |
| BTC, ETH, LTC, BCH, DOGE, DAI, USDC, USDT (8+) | not card FX) | |
| USA only | USA only | |
| Get Card | Get Card |