RedotPay Card vs Gemini Credit Card: 2026 Comparison
Comparing RedotPay Card and Gemini Credit Card on fees, cashback, custody, and where each card is available.
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The short version:
Gemini Credit scores 4.4/5 on the Sweepbase formula and RedotPay scores 3.6/5, a gap of 0.8 points. The Strengths row in the table lists what each card is credited for. What moves the score for Gemini Credit: no issuance or annual fee, up to 4% cashback.
RedotPay:
Gemini Credit:
Side by side
| Feature | RedotPay Card 3.6 out of 5, Sweepbase rating Get card RedotPay 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 | Visa Prepaid | Mastercard Credit |
| Custody | Custodial | Custodial |
| Costs | ||
| Issuance fee | Virtual $10The fine print
| Strength: Free |
| Annual fee | Strength: Free | Strength: Free |
| FX fee | 1.2% on any purchase not in USD (every card issued since 21 Jan 2026 is billed in USD) plus a 1% crypto conversion fee; USD purchases carry no currency fee | 0% foreign transaction fees (2.49% applies only to crypto purchases on Gemini exchange, not card FX) |
| Rewards | ||
| Cashback | Strength: 3% on Pro | 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; Samsung Pay) | Strength: Yes (Apple Pay; Google Pay) |
| Bank account in your name | No | No |
| Daily spend limit | Based on verification and KYC | None (US credit card) |
| ATM withdrawal limit | USD card (every card issued since 21 Jan 2026): 3 withdrawals a day and 30 a month, 3,750 USD a day and 50,000 USD a…The fine print
| 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 | BTC, ETH, BNB, SOL, S, SUI, TRX, XRP, USDT and USDC (RedotPay's supported-assets list) | Link to Gemini account; spend in fiat (USD) |
| Regions | 100+ countriesThe fine print
| USA only |
| Behind the card | ||
| Card issuer | StraitsX, SingaporeInferred, not stated by the issuer | 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 RedotPay wins some of its terms: the balance RedotPay 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.
RedotPay 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.
RedotPay Card: issuance Virtual $10, annual Free, FX 1.2% on any purchase not in USD… Gemini Credit Card: issuance Free, annual Free, 0% foreign transaction fees… You can compare total annual cost using our fee calculator.
RedotPay Card: 3% on Pro 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.
RedotPay Card: Custodial. Gemini Credit Card: Custodial. Both cards are custodial, meaning the issuer holds your funds on your behalf.
RedotPay Card supports Apple Pay and Google Pay. Gemini Credit Card supports Apple Pay and Google Pay.
RedotPay Card: 100+ countries. Gemini Credit Card: USA. Check each card's detail page for the full country list.