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Comparing Revolut 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:
These two are close: Gemini Credit at 4.4/5 vs Revolut at 4.2/5. Gemini Credit has a small lead, but which card works better depends on what you need.
| Feature | ||
|---|---|---|
| Overview | ||
| Card type | Virtual + Physical | Virtual + Physical |
| Network | Visa + Mastercard Debit | Mastercard Credit |
| Custody | Custodial | Custodial |
| Costs | ||
| Issuance fee | Free | Free |
| Annual fee | Standard/Plus/Premium Free; Metal £14.99/month; Ultra £45/month | Free |
| FX fee | 1% weekend crypto conversion fee; standard Visa/Mastercard FX rates | 0% foreign transaction fees (2.49% applies only to crypto purchases on Gemini exchange, not card FX) |
| Rewards | ||
| Cashback | Up to 1% (Tiers) | 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 (EU full IBAN), SEPA yes (free within Eurozone), SWIFT yes (via international transfers) | No |
| Daily spend limit | Based on account tier | None (US credit card) |
| ATM withdrawal limit | $200-$1200/month free (by plan), 2% after | Cash advance only; 3% + $10 fee, 29.99% APR |
| Top-up methods | 200+ cryptocurrencies including BTC, ETH, USDC; 30+ fiat currencies | Link to Gemini account; spend in fiat (USD) |
| Regions | UK, EEA, Switzerland, US, Australia, Brazil, Japan, New Zealand, Singapore | USA only |
| Behind the card | ||
| Card issuer | Revolut Bank UAB / Revolut Ltd — Lithuania (Bank of Lithuania) + UK (FCA FRN 900562)Named in the card terms | WebBank — USA (Utah industrial bank, FDIC-insured)Named in the card terms |
| Our read | ||
| Strengths |
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| Trade-offs |
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| Get Revolut 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, Revolut 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 Revolut Card (4.2/5).
