Weekly Crypto Card Intel — fee changes, new cards, cashback drops. Free.By subscribing you agree to receive emails and to our Privacy Policy.
Comparing Nexo 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:
These two are close: Nexo at 4.5/5 vs Gemini Credit at 4.4/5. Nexo has a small lead, but which card works better depends on what you need.
| Feature | ||
|---|---|---|
| Overview | ||
| Card type | Virtual + Physical | Virtual + Physical |
| Network | Mastercard Credit/Debit | Mastercard Credit |
| Custody | Custodial | Custodial |
| Costs | ||
| Issuance fee | Free | Free |
| Annual fee | Free | Free |
| FX fee | 0.2% EEA/UK/CH; 2% elsewhere; +0.5% weekends. Free FX allowances by loyalty tier (€3K-20K/mo) | 0% foreign transaction fees (2.49% applies only to crypto purchases on Gemini exchange, not card FX) |
| Rewards | ||
| Cashback | Up to 2% (Tiers) | Up to 4% |
| Yield on spendable balance | Yes | NoThe issuer pays yield, but in a separate product |
| Access | ||
| Apple / Google Pay | Yes (Apple Pay; Google Pay) | Yes (Apple Pay; Google Pay) |
| Bank account in your name | IBAN yes (Malta-based personal IBAN); SEPA yes (SEPA Instant); SWIFT not disclosed | No |
| Daily spend limit | Based on credit line or account balance | None (US credit card) |
| ATM withdrawal limit | €200-€2000/month free (by tier), 2% after; €600/transaction | Cash advance only; 3% + $10 fee, 29.99% APR |
| Top-up methods | 100+ digital assets from Nexo account including BTC, ETH, stablecoins | Link to Gemini account; spend in fiat (USD) |
| Regions | EEA and the United Kingdom, plus Argentina since 8 July 2026EEA and the United Kingdom, plus Argentina since 8 July 2026. Nexo publishes no country list and no count - its own wording is selected European countries, including the EEA and the United Kingdom. Virtual card only: Nexo states on two help pages that ordering physical cards is temporarily unavailable | USA only |
| Behind the card | ||
| Card issuer | DiPocket UAB — Lithuania (EMI No. 75)Named in the card terms | WebBank — USA (Utah industrial bank, FDIC-insured)Named in the card terms |
| Our read | ||
| Strengths |
|
|
| Trade-offs |
|
|
| Get Nexo Card | Get Gemini Credit Card | |
Nexo Card is the better card here. Nexo also lets you earn yield on your deposits, something Gemini Credit doesn't offer. 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: Nexo Card (4.5/5) is the stronger option for most people compared to Gemini Credit Card (4.4/5).
