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Comparing Bleap Card and Gemini Credit Card on fees, cashback, custody, and where each card is available. All data is current for 2026.
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The short version:
These two are close: Bleap at 4.7/5 vs Gemini Credit at 4.4/5. Bleap has a small lead, but which card works better depends on what you need.
| Feature | ||
|---|---|---|
| Overview | ||
| Card type | Virtual + Physical | Virtual + Physical |
| Network | Mastercard Standard, issued by Unlimit EU Ltd, an electronic money institution licensed…Mastercard Standard, issued by Unlimit EU Ltd, an electronic money institution licensed by the Central Bank of Cyprus. 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 programme entity is mid-migration from Bleap Finance Sp. z o.o. of Poland to Bleap SIA of Latvia; both sets of agreements are live on the site | Mastercard Credit |
| Custody | Self-custody | Custodial |
| Costs | ||
| Issuance fee | Free | Free |
| Annual fee | Free | Free |
| FX fee | 0% conversion fees on stablecoin spending | 0% foreign transaction fees (2.49% applies only to crypto purchases on Gemini exchange, not card FX) |
| Rewards | ||
| Cashback | 1% | Up to 4% |
| Yield on spendable balance | NoThe issuer pays yield, but in a separate product | NoThe issuer pays yield, but in a separate product |
| Access | ||
| Apple / Google Pay | Yes - Apple Pay and Google Pay; the virtual card provisions on activation, no physical card needed | Yes (Apple Pay; Google Pay) |
| Bank account in your name | SEPA: Yes - top-up supported, and the pricing disclosure lists a 0% processing fee on SEPA and SEPA Instant; IBAN: announced once, no longer mentioned anywhere on the site, so treat it as absent (checked 2026-08-07) | No |
| Daily spend limit | Based on wallet balance | None (US credit card) |
| ATM withdrawal limit | Virtual cards cannot use ATMs at allVirtual cards cannot use ATMs at all - "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. Neither an ATM fee nor a withdrawal limit is published anywhere on the site, including the pricing disclosure (checked 2026-08-07) | Cash advance only; 3% + $10 fee, 29.99% APR |
| Top-up methods | USDC, USDT, other stablecoins; multi-chain support | Link to Gemini account; spend in fiat (USD) |
| Regions | EEA and Switzerland onlyEEA and Switzerland only. Help centre, dated 3 July 2026: "we are unable to issue cards to users who either: Reside outside of the EEA or Switzerland, regardless of their nationality" - followed by a 45-entry banned-nationality list that includes the United States. Availability inside the EEA is not uniform either, and Bleap names its own examples: "residents of countries like Italy or Spain may not yet have access to Bleap cards despite holding valid residency documents". No UK card and no Latin America; Bleap describes LatAm as expansion underway rather than current availability | USA only |
| Behind the card | ||
| Card issuer | Unlimit EU Ltd — Cyprus (Central Bank of Cyprus EMI, company number HE 328641)Named in the card terms | WebBank — USA (Utah industrial bank, FDIC-insured)Named in the card terms |
| Our read | ||
| Strengths |
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| Trade-offs | Nothing flagged by these checks |
|
| Get Bleap Card | Get Gemini Credit Card | |
Bleap Card is the better card here. With self-custody, your crypto stays in your wallet until you actually spend it, unlike Gemini Credit where the issuer holds your funds. It works with Apple Pay and Google Pay, which is useful if you pay by phone. However, Gemini Credit may be better if you need something it does better.
In short: Bleap Card (4.7/5) is the stronger option for most people compared to Gemini Credit Card (4.4/5).
