Weekly Crypto Card Intel — fee changes, new cards, cashback drops. Free.By subscribing you agree to receive emails and to our Privacy Policy.
Comparing Xplace Card and Gemini Credit Card on fees, cashback, custody, and where each card is available. All data is current for 2026.
Some cards on this page link to affiliate partners, and we may earn a commission if you sign up. The comparison verdict comes from our public scoring formula either way — read our editorial disclosure.
The short version:
These two are close: Xplace at 4.6/5 vs Gemini Credit at 4.4/5. Xplace has a small lead, but which card works better depends on what you need.
| Feature | ||
|---|---|---|
| Overview | ||
| Card type | Virtual + Physical | Virtual + Physical |
| Network | Visa Credit | Mastercard Credit |
| Custody | Self-custody | Custodial |
| Costs | ||
| Issuance fee | Free | Free |
| Annual fee | Basic free; Silver $99/yr; Gold $249/yr; Platinum $999/yr (tier grid verified x.place 2026-07-22) | Free |
| FX fee | 1% FX on international transactions (Silver/Gold tiers); 0% FX on Platinum ($999/yr) | 0% foreign transaction fees (2.49% applies only to crypto purchases on Gemini exchange, not card FX) |
| Rewards | ||
| Cashback | Up to 4% (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 | No | No |
| Daily spend limit | Based on collateral and tier | None (US credit card) |
| ATM withdrawal limit | Not available (no cash advances or ATM withdrawals) | Cash advance only; 3% + $10 fee, 29.99% APR |
| Top-up methods | 30+ Solana-based assets including SOL BTC ETH USDC USDT (collateral for borrowing) | Link to Gemini account; spend in fiat (USD) |
| Regions | No published availability listNo published availability list - x.place documents geography only by exclusion. Operator: Pontech Group L.L.C-FZ; issuer Third National, named once in each of the US and international card terms, which is the same rail Hyperbeat runs on and the reason both publish an identical blocklist. Prohibited: Belarus, China, Cuba, India, Iran, Iraq, Israel, Myanmar, Nepal, Nicaragua, North Korea, Russia, Syria, Turkey, Ukraine, Venezuela, Vietnam. Its own two lists of barred US states disagree - 16 in the terms against 19 on the Prohibitions page. The 160+ figure is Visa acceptance rather than availability: the homepage reads Visa cards are accepted in 160+ countries | USA only |
| Behind the card | ||
| Card issuer | Third National (Nimbus LLC) — USA — Puerto Rico money transmitter (NMLS #2612780); a subsidiary of Signify Holdings, Inc. ("Rain") per Rain's privacy policyNamed in the card terms | WebBank — USA (Utah industrial bank, FDIC-insured)Named in the card terms |
| Our read | ||
| Strengths |
|
|
| Trade-offs | Nothing flagged by these checks |
|
| Get Xplace Card | Get Gemini Credit Card | |
Xplace Card is the better card here. With self-custody, your crypto stays in your wallet until you actually spend it, unlike Gemini Credit where the issuer holds your funds. It works with Apple Pay and Google Pay, which is useful if you pay by phone. However, Gemini Credit may be better if you need something it does better.
In short: Xplace Card (4.6/5) is the stronger option for most people compared to Gemini Credit Card (4.4/5).
