Revolut Card vs Gemini Credit Card: 2026 Comparison
Comparing Revolut 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 Revolut at 3.7/5. The gap is 0.7 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.
Revolut:
Gemini Credit:
Side by side
| Feature | Revolut Card 3.7 out of 5, Sweepbase rating Get card Revolut 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 + Mastercard Debit | Mastercard Credit |
| Custody | Custodial | Custodial |
| Costs | ||
| Issuance fee | Strength: Free | Strength: Free |
| Annual fee | Standard Free; Plus £3.99/month; Premium £8.99/month; Metal £16.99/month; Ultra £60/month | Strength: Free |
| FX fee | Fair-usage fee of 1% (Standard) or 0.5% (Plus) above the monthly exchange limit, plus a weekend currency exchange fee…The fine print
| 0% foreign transaction fees (2.49% applies only to crypto purchases on Gemini exchange, not card FX) |
| Rewards | ||
| Cashback | None | Strength: 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 | Strength: Yes (Apple Pay; Google Pay) | Strength: Yes (Apple Pay; Google Pay) |
| Bank account in your name | Strength: 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 | UK: free up to £200/month or 5 withdrawals (Standard), £200 (Plus), £400 (Premium), £800 (Metal), £2,000 (Ultra)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 | Fiat balance of the Revolut accountThe fine print
| 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 | ||
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Which scores higher
Nothing in the formula favours Revolut over Gemini Credit. What the formula cannot see is where you live and what you spend on: if Revolut is sold in your country and Gemini Credit is not, that settles it, and the Regions row above is where to check.
Revolut 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.
Revolut Card: issuance Free, annual Standard Free, FX Fair-usage fee of 1% (Standard) or 0.5% (Plus) above the… Gemini Credit Card: issuance Free, annual Free, 0% foreign transaction fees… You can compare total annual cost using our fee calculator.
Revolut Card: no 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.
Revolut Card: Custodial. Gemini Credit Card: Custodial. Both cards are custodial, meaning the issuer holds your funds on your behalf.
Revolut Card supports Apple Pay and Google Pay. Gemini Credit Card supports Apple Pay and Google Pay.
Revolut Card: several regions. Gemini Credit Card: USA. Check each card's detail page for the full country list.