Nexo Card vs Gemini Credit Card: 2026 Comparison
Comparing Nexo Card and Gemini Credit Card on fees, cashback, custody, and where each card is available.
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The short version:
Gemini Credit rates 4.4/5, ahead of Nexo at 3.9/5. The gap is 0.5 of a point: a few line items in the formula, not a different class of card. What moves the score for Gemini Credit: no issuance or annual fee, up to 4% cashback.
Nexo:
Gemini Credit:
Side by side
| Feature | Nexo Card 3.9 out of 5, Sweepbase rating Get card Nexo Card | Gemini Credit Card 4.4 out of 5, Sweepbase rating Get card Gemini Credit Card |
|---|---|---|
| Overview | ||
| Card type | Virtual + Physical | Virtual and physical metal card, in several designs |
| Network | Mastercard Credit/Debit | Mastercard Credit |
| Custody | Custodial | Custodial |
| Costs | ||
| Issuance fee | Strength: Free; the virtual card needs at least $50 in the Nexo account to activate, which stays spendable | Strength: Free |
| Annual fee | Strength: Free | Strength: Free |
| FX fee | 2% on weekdays when the merchant charges in a currency outside the EEA/UK/Swiss group…The fine print
| 0% foreign transaction fees (2.49% applies only to crypto purchases on Gemini exchange, not card FX) |
| Rewards | ||
| Cashback | Strength: Up to 2% (Tiers) | Strength: Up to 4% |
| Yield on spendable balance | Strength: Yes | NoThe issuer pays yield, but in a separate product |
| Access | ||
| Apple / Google Pay | Strength: Yes (Apple Pay; Google Pay) | Strength: Yes (Apple Pay; Google Pay) |
| Bank account in your name | Strength: IBAN yes (Malta-based personal IBAN); SEPA yes (SEPA Instant); SWIFT not disclosed | No |
| Daily spend limit | Default €70,000 per purchase and per day, €300,000 a month for cards issued after 11 September 2026…The fine print
| None (US credit card) |
| ATM withdrawal limit | €200-€2,000 a month free by tier (£180-£1,800; US$150-US$2,000 on USD cards), then 2% with a €1.99 minimum; €600 per withdrawal, €2,000 a day, €10,000 a month | Cash advance only; $10 or 3% of each cash advance, whichever is greater, at 29.49% APR charged from the transaction date |
| Top-up methods | 100+ digital assets from Nexo account including BTC, ETH, stablecoins | Link to Gemini account; spend in fiat (USD) |
| Regions | EEA, Andorra, Monaco and the United Kingdom, plus Argentina since 8 July 2026 and other selected jurisdictions Nexo…The fine print
| 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 | ||
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Which scores higher
Gemini Credit leads on the formula, but the score is a sum, and Nexo wins some of its terms: the balance Nexo spends from earns yield, and the one Gemini Credit spends from does not. If one of those is the thing you care about, read that row above before the score.
Nexo vs Gemini Credit: FAQ
Gemini Credit Card scores higher on the Sweepbase formula, at 4.4/5. What moves the score: no issuance or annual fee, up to 4% cashback. The formula does not know where you live or how you spend, so check availability and fees for your own case.
Nexo Card: issuance Free, annual Free, FX 2% on weekdays when the merchant charges in a currency… 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.
Nexo Card: Up to 2% 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.
Nexo Card: Custodial. Gemini Credit Card: Custodial. Both cards are custodial, meaning the issuer holds your funds on your behalf.
Nexo Card supports Apple Pay and Google Pay. Gemini Credit Card supports Apple Pay and Google Pay.
Nexo Card: Europe. Gemini Credit Card: USA. Check each card's detail page for the full country list.