Weekly Crypto Card Intel — fee changes, new cards, cashback drops. Free.
Comparing Ether.fi Cash 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:
Ether.fi Cash rates 4.9/5, slightly ahead of Gemini Credit at 4.5/5. Both are solid options, but Ether.fi Cash is the better pick for most people.
Ether.fi Cash 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: Ether.fi Cash Card (4.9/5) is the stronger option for most people compared to Gemini Credit Card (4.5/5).
| Features |  Ether.fi Cash Card |  Gemini Credit Card |
|---|---|---|
| Virtual + Physical | Virtual + Physical | |
| Self-custody | Custodial | |
| Visa Signature | Mastercard Credit | |
| Free | Free | |
| Free | Free | |
| 1% FX on all non-USD currencies (including EUR — native EUR not yet live) | 0% foreign transaction fees (2.49% applies only to crypto purchases on Gemini exchange | |
| Up to 3% cashback (tiered: Core 3% on first $2K then 1%; Luxe 3% on first $10K; Pinnacle 3% on first $50K; paid in wETH) | 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%. | |
| Core $30K/day, Luxe $50K/day, Pinnacle $100K/day | Cash advance only; 3% + $10 fee, 29.99% APR | |
| $250/day, 2% fee, 3 attempts per 24h | Referral: $50 per friend + $250 bonus per 5 referrals (up to $5000/year) | |
| USDC, USDT, EURC, frxUSD, eUSD, wETH, weETH, eBTC, ETHFI, sETHFI, wHYPE, SCR, LiquidETH, LiquidBTC, LiquidUSD, LiquidReserve via Ethereum, Base, Arbitrum, Scroll, Solana, Tron (Direct Pay: USDC, LiquidUSD only; Solana USDC and Tron USDT: no-fee 1:1 transfer) | not card FX) | |
| 70+ countries: most of Europe, UK, Americas, UAE, Saudi Arabia, Hong Kong, select Asia-Pacific | USA only | |
| Get Card | Get Card |