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Bleap Card vs Gemini Credit Card: 2026 Comparison

Comparing Bleap Card and Gemini Credit Card on fees, cashback, custody, and where each card is available.

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:

Bleap rates 4.7/5, ahead of Gemini Credit at 4.4/5. The gap is 0.3 of a point: a few line items in the formula, not a different class of card. What moves the score for Bleap: self-custody, no issuance or annual fee, 1% cashback.

Bleap:
Gemini Credit:

Side by side

Side-by-side comparison of Bleap Card, Gemini Credit Card. Scroll horizontally to see all columns.
Feature

Bleap Card 4.7 out of 5, Sweepbase rating

Get card Bleap Card

Gemini Credit Card 4.4 out of 5, Sweepbase rating

Get card Gemini Credit Card
Overview
Card typeVirtual + PhysicalVirtual and physical metal card, in several designs
NetworkMastercard Standard, issued by Unlimit EU Ltd, an electronic money institution licensed by the Central Bank of Cyprus
The fine print
  • Bleap is the programme provider, not the issuer, and says so: "Bleap does not issue e-money, operate payment accounts, hold client assets or private keys, or provide custody"
  • The card terms name Bleap SIA of Latvia as the programme entity, while the wallet Terms of Service name Bleap Finance sp. z o.o. of Poland
Mastercard Credit
Custody Strength: Self-custodyCustodial
Costs
Issuance fee Strength: Free Strength: Free
Annual fee Strength: Free Strength: Free
FX fee Strength: 0% from Bleap: the EEA cardholder terms say Bleap charges no exchange fees, while…
The fine print
  • … "Mastercard scheme, network/FX rates, merchant or ATM fees and taxes may still apply"
  • The card spends USD or EUR balances (USDC, EURe)
  • Other currencies convert at the Mastercard rate
0% foreign transaction fees (2.49% applies only to crypto purchases on Gemini exchange, not card FX)
Rewards
Cashback Strength: 1% Strength: Up to 4%
Yield on spendable balanceNoThe issuer pays yield, but in a separate productNoThe issuer pays yield, but in a separate product
Access
Apple / Google Pay Strength: Yes - Apple Pay and Google Pay; the virtual card provisions on activation, no physical card needed Strength: Yes (Apple Pay; Google Pay)
Bank account in your name Strength: SEPA: Yes - top-up and receipt at 0% (SEPA and SEPA Instant, fee schedule of 1 September 2026)
The fine print
  • IBAN: Yes - a dedicated IBAN in your own name issued by Monerium, rolled out gradually from the second quarter of 2026 per the help centre (31 August 2026)
  • EUR in by SEPA arrives as EURe, and outgoing transfers still show Bleap as sender during a transition period
No
Daily spend limit€10,000 per transaction, €15,000 a day and €30,000 over a rolling 30 daysNone (US credit card)
ATM withdrawal limitFree up to EUR 400 and 3 withdrawals per rolling 30 days…
The fine print
  • … (the card page repeats "up to €400/month in free ATM withdrawals")
  • Virtual cards cannot use ATMs - "If you attempt to use a virtual card at an ATM, the transaction will be declined" - because they carry no PIN, so cash needs the plastic card
Cash advance only; $10 or 3% of each cash advance, whichever is greater, at 29.49% APR charged from the transaction date
Top-up methodsUSDC, USDT, other stablecoins; multi-chain supportLink to Gemini account; spend in fiat (USD)
RegionsEEA and Switzerland per the cardholder terms of 28 June 2026 and the help centre, which refuses cards to anyone…
The fine print
  • … residing elsewhere and adds a restricted-nationality list that includes the United States
  • Availability inside the EEA is not uniform either: "residents of countries like Italy or Spain may not yet have access to Bleap cards"
  • Not available in the United Kingdom
  • Bleap's own card page contradicts the contract by naming a second, non-European region alongside the EEA in its FAQ, and a help article of 21 September 2026 opens accounts to residents of Brazil, but no card terms exist for anywhere outside the EEA and Switzerland, so the contract's scope stands
USA only
Behind the card
Card issuerUnlimit EU Ltd, Cyprus (Central Bank of Cyprus EMI, company number HE 328641)Named in the card termsWebBank, USA (Utah industrial bank, FDIC-insured)Named in the card terms
Our read
Strengths
  • You hold the keys
  • No issuance or annual fee
  • FX fee of 0.5% or less
  • Cashback: 1%
  • Apple Pay and Google Pay
  • Bank account in your name
  • Virtual and physical
  • No issuance or annual fee
  • Cashback: Up to 4%
  • Apple Pay and Google Pay
  • Virtual and physical
Trade-offsNothing flagged by these checks
  • Issuer holds your funds

Which scores higher

Nothing in the formula favours Gemini Credit over Bleap. What the formula cannot see is where you live and what you spend on: if Gemini Credit is sold in your country and Bleap is not, that settles it, and the Regions row above is where to check.

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Bleap vs Gemini Credit: FAQ

Bleap Card scores higher on the Sweepbase formula, at 4.7/5. What moves the score: self-custody, no issuance or annual fee, 1% cashback. The formula does not know where you live or how you spend, so check availability and fees for your own case.

Bleap Card: issuance Free, annual Free, FX 0% from Bleap: the EEA cardholder terms say Bleap charges… Gemini Credit Card: issuance Free, annual Free, 0% foreign transaction fees… Neither card charges for issuance or annual membership, so the difference comes down to FX fees.

Bleap Card: 1% cashback. Gemini Credit Card: Up to 4% cashback. Rates can depend on tier, staking or caps, so check each card's page for the conditions.

Bleap Card: Self-custody. Gemini Credit Card: Custodial. Bleap Card keeps your crypto in your own wallet until you spend it, so the issuer never controls your funds.

Bleap Card supports Apple Pay and Google Pay. Gemini Credit Card supports Apple Pay and Google Pay.

Bleap Card: Europe. Gemini Credit Card: USA. Check each card's detail page for the full country list.

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