Weekly Crypto Card Intel — fee changes, new cards, cashback drops. Free.
Comparing Xplace 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:
Xplace rates 4.9/5, slightly ahead of Gemini Credit at 4.5/5. Both are solid options, but Xplace is the better pick for most people.
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 (4.9/5) is the stronger option for most people compared to Gemini Credit Card (4.5/5).
| Features |  Xplace Card |  Gemini Credit Card |
|---|---|---|
| Virtual + Physical | Virtual + Physical | |
| Self-custody | Custodial | |
| Visa Credit | Mastercard Credit | |
| Free | Free | |
| Free | Free | |
| 1% FX fee on international transactions (even on Platinum tier) | 0% foreign transaction fees (2.49% applies only to crypto purchases on Gemini exchange | |
| 0.5-2% real-time USDC cashback (tiered) | 4% on gas, 3% on dining, 2% on groceries, 1% on everything else. 4% category capped at $200/month spend. Cashback auto-converts to crypto of choice (50+ options). APR 18.99-34.99%. | |
| Based on collateral and tier | Cash advance only; 3% + $10 fee, 29.99% APR | |
| Not available (no cash advances or ATM withdrawals) | Referral: $50 per friend + $250 bonus per 5 referrals (up to $5000/year) | |
| 30+ Solana-based assets including SOL BTC ETH USDC USDT (collateral for borrowing) | not card FX) | |
| 160+ countries including US, EU, Africa, Asia-Pacific, Latin America, Middle East | USA only | |
| Get Card | Get Card |