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Comparing Plutus 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:
Gemini Credit scores 4.4/5 on Sweepbase vs 3.4/5 for Plutus. That gap shows up mostly in fees and feature coverage.
| Feature | ||
|---|---|---|
| Overview | ||
| Card type | Virtual + Physical | Virtual + Physical |
| Network | Visa Debit | Mastercard Credit |
| Custody | Custodial | Custodial |
| Costs | ||
| Issuance fee | GBP 9.99 physical card (optional) | Free |
| Annual fee | GBP 6.99/mo (Starter), GBP 9.99/mo (Everyday), GBP 19.99/mo (Premium) | Free |
| FX fee | 2.5% FX fee on foreign currency transactions | 0% foreign transaction fees (2.49% applies only to crypto purchases on Gemini exchange, not card FX) |
| Rewards | ||
| Cashback | 3% (Tiers, cap GBP 250/mo) | 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; Google Pay) | Yes (Apple Pay; Google Pay) |
| Bank account in your name | IBAN yes (Netherlands EUR IBAN), SEPA yes, UK sort code/acct; SWIFT not disclosed | No |
| Daily spend limit | Based on tier (£250-£22000/month for 3% rate) | None (US credit card) |
| ATM withdrawal limit | €300/day, 1% + €1.35 fee per withdrawal | Cash advance only; 3% + $10 fee, 29.99% APR |
| Top-up methods | GBP fiat deposits from UK bank account | Link to Gemini account; spend in fiat (USD) |
| Regions | UK and EEA only | USA only |
| Behind the card | ||
| Card issuer | Modulr FS Limited — UK (FCA FRN 900573); EEA via Modulr Finance B.V. (DNB R182870)Named in the card terms | WebBank — USA (Utah industrial bank, FDIC-insured)Named in the card terms |
| Our read | ||
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| Get Plutus Card | Get Gemini Credit Card | |
Gemini Credit Card is the better card here. Zero fixed costs give Gemini Credit a cost advantage from day one. It works with Apple Pay and Google Pay, which is useful if you pay by phone. However, Plutus may be better if you need broader regional coverage.
In short: Gemini Credit Card (4.4/5) is the stronger option for most people compared to Plutus Card (3.4/5).
