Xplace Card vs Gemini Credit Card: 2026 Comparison
Comparing Xplace Card and Gemini Credit Card on fees, cashback, custody, and where each card is available.
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The short version:
These two are close: Xplace at 4.6/5, Gemini Credit at 4.4/5. A 0.2-point gap is inside the formula's own rounding, so treat them as level. What moves the score for Xplace: self-custody, up to 2% cashback.
Xplace:
Gemini Credit:
Side by side
| Feature | Xplace Card 4.6 out of 5, Sweepbase rating Get card Xplace Card | Gemini Credit Card 4.4 out of 5, Sweepbase rating Get card Gemini Credit Card |
|---|---|---|
| Overview | ||
| Card type | Virtual + Physical. Physical cards are live for Silver; Gold and Platinum physical cards are coming soon | Virtual and physical metal card, in several designs |
| Network | Visa Credit | Mastercard Credit |
| Custody | Strength: Self-custody | Custodial |
| Costs | ||
| Issuance fee | Strength: Free | Strength: Free |
| Annual fee | Basic free; Silver $99/yr; Gold $249/yr; Platinum $999/yr | Strength: Free |
| FX fee | 1% on Basic, 0.5% on Silver, 0.25% on Gold, 0% on Platinum ($999/yr) | 0% foreign transaction fees (2.49% applies only to crypto purchases on Gemini exchange, not card FX) |
| Rewards | ||
| Cashback | Strength: Up to 2% (Tiers) | 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 | 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; $10 or 3% of each cash advance, whichever is greater, at 29.49% APR charged from the transaction date |
| Top-up methods | BTC (cbBTC), ETH (wETH), SOL, JitoSOL, USDC, USDT and xStocks tokenized equities on Solana (collateral for borrowing) | Link to Gemini account; spend in fiat (USD) |
| Regions | No published availability list - x.place documents geography only by exclusionThe fine print
| 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 |
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| Trade-offs | Nothing flagged by these checks |
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Which scores higher
Xplace leads on the formula, but the score is a sum, and Gemini Credit wins some of its terms: Gemini Credit charges nothing to issue or hold the card, and Xplace does. If one of those is the thing you care about, read that row above before the score.
Xplace vs Gemini Credit: FAQ
Xplace Card scores higher on the Sweepbase formula, at 4.6/5. What moves the score: self-custody, up to 2% cashback. The formula does not know where you live or how you spend, so check availability and fees for your own case.
Xplace Card: issuance Free, annual Basic free, FX 1% on Basic, 0.5% on Silver, 0.25% on Gold, 0% on Platinum… Gemini Credit Card: issuance Free, annual Free, 0% foreign transaction fees… You can compare total annual cost using our fee calculator.
Xplace Card: Up to 2% 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.
Xplace Card: Self-custody. Gemini Credit Card: Custodial. Xplace Card keeps your crypto in your own wallet until you spend it, so the issuer never controls your funds.
Xplace Card supports Apple Pay and Google Pay. Gemini Credit Card supports Apple Pay and Google Pay.
Xplace Card: no published availability list. Gemini Credit Card: USA. Check each card's detail page for the full country list.