Compare cards
Choose 2–4 cards to compare fees, rewards and everyday use.
Coinbase One Card
Gemini Credit Card
Nexo Card
Bitpanda CardCompare the details
Best known Not disclosed
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Scores
- Overall Score
- Coinbase One Card56Gemini Credit Card69Nexo Card66Bitpanda Card73
- Cashback score
- Coinbase One Card40Gemini Credit Card60Nexo Card41Bitpanda Card60
- Travel score
- Coinbase One Card60Gemini Credit Card80Nexo Card65Bitpanda Card79
- Funds control score
- Coinbase One Card36Gemini Credit Card39Nexo Card52Bitpanda Card56
- Lowest fees score
- Coinbase One Card40Gemini Credit Card45Nexo Card57Bitpanda Card67
- Transfers score
- Coinbase One Card24Gemini Credit Card26Nexo Card91Bitpanda Card85
Choosing a card
- Best fit
- Coinbase One Card
- Existing Coinbase One members who already pay for an eligible plan.
- Everyday credit-card spending with 2% back in BTC on eligible purchases.
Gemini Credit Card- U.S. applicants seeking crypto rewards without an annual card fee.
- Everyday dining and grocery spending at 3% and 2% crypto rewards.
Nexo Card- Switching between spending savings and borrowing against crypto.
- Paying from Flexible Savings without moving funds to a card wallet.
Bitpanda Card- Spending crypto or metals already held in your Bitpanda account.
- Choosing a main payment asset and a fallback to cover a purchase.
- Before you choose
- Coinbase One Card
- Eligible membership starts at $49.99/year; Basic monthly does not qualify.
- 4% needs $200,000 on Coinbase; boosted rates cover $10,000/month of spend.
Gemini Credit Card- The 4% transport and fuel rate drops to 1% after $300 of monthly spend.
- Carried balances incur variable interest; cash advances cost at least $10.
Nexo Card- Cashback requires Credit Mode and more than $5,000 in account assets.
- Credit Mode incurs borrowing costs and can trigger collateral liquidation.
Bitpanda Card- Crypto sale fees can outweigh 1% cashback; BTC costs 0.99%, other assets more.
- Stablecoins, metals and EUR earn no cashback; mainly EUR use is prohibited.
Costs
- Plan cost
- Coinbase One Card$49.99/yearGemini Credit Card$0Nexo Card$0Bitpanda Card$0
- FX fee
- Coinbase One Card0% foreign transaction fee; Amex conversion rates remain separateGemini Credit Card$0 foreign transaction fee; Mastercard exchange rates and credit interest remain separateNexo Card0.2–2.5%Bitpanda Card0% Bitpanda FX markup on non-EUR transactions; Visa mark-up may apply. Asset sale fees remain payable
- Top-up fee
- Coinbase One CardLinked U.S. bank or accepted Coinbase wallet repayment; crypto spread variesGemini Credit CardNot applicable; linked-bank and check routes repay the credit accountNexo CardNot disclosedBitpanda CardEUR SEPA deposits and withdrawals: no Bitpanda fee. PayPal deposit: 1.49%. Bank charges and other methods may differ. These fund the provider account
- Card spending fee
- Coinbase One CardNot disclosedGemini Credit Card0%Nexo CardNot disclosedBitpanda CardNot disclosed
- ATM fee
- Coinbase One CardCash advance: greater of $10 or 5%, plus variable interest from posting and possible ATM-operator feesGemini Credit Card3–29.49%Nexo Card0–2%; minimum 1.99 EUR/GBPBitpanda Card2%; min €2
- Virtual card
- Coinbase One CardNot disclosedGemini Credit CardNot disclosedNexo CardAvailable from $50 account balanceBitpanda CardNot disclosed
- Physical card
- Coinbase One CardNot disclosedGemini Credit CardNot disclosedNexo CardFree shipping; requires more than $5,000 account balance and at least Gold tierBitpanda CardFirst card free. One active physical card per user.
Plans
- Available plans
- Coinbase One Card4 plans: AOC tier 1: 2%, AOC tier 2: 2.5%, AOC tier 3: 3%, AOC tier 4: 4%Gemini Credit CardNot disclosedNexo Card4 plans: Base, Silver, Gold, PlatinumBitpanda Card1 plans: Standard
- Top cashback plan
- Coinbase One CardAOC tier 4: 4%: 4%Gemini Credit CardNot disclosedNexo CardPlatinum: 2%Bitpanda CardStandard: 1%
Everyday use
- Network
- Coinbase One CardAmerican ExpressGemini Credit CardMastercardNexo CardMastercardBitpanda CardVisa
- Card formats
- Coinbase One CardVirtual, PhysicalGemini Credit CardVirtual, PhysicalNexo CardVirtual, PhysicalBitpanda CardVirtual, Physical
- ATM withdrawals
- Coinbase One CardNot disclosedGemini Credit CardAvailableNexo CardAvailableBitpanda CardAvailable
- Mobile wallets
- Coinbase One CardApple Pay, Google PayGemini Credit CardApple Pay, Google PayNexo CardApple Pay, Google PayBitpanda CardApple Pay, Google Pay
- Apps
- Coinbase One CardiOS, Android, WebGemini Credit CardiOS, Android, WebNexo CardiOS, Android, WebBitpanda CardiOS, Android, Web
- Daily spending limit
- Coinbase One CardPersonalized credit limit; no reusable daily spend ceilingGemini Credit CardApplicant-specific credit limit; no reusable daily purchase limit is publishedNexo Card€10,000 / £9,000/day; €10,000 / £9,000/transactionBitpanda Card€10,000 per day; €70,000 per week. Minimum card payment €1.
- Monthly spending limit
- Coinbase One CardPersonalized credit limit; no reusable monthly spend ceilingGemini Credit CardApplicant-specific credit limit; no reusable monthly purchase limit is publishedNexo Card€60,000 / £54,000/monthBitpanda Card€280,000 per month
- ATM limit
- Coinbase One CardCash access and its sublimit are determined by the issuerGemini Credit Card$1,000 daily and no more than 10% of the total credit limitNexo Card€600 / £540/withdrawal; €2,000 / £1,800/day; €10,000 / £9,000/monthBitpanda Card€500 per day
Funding & transfers
- Networks
- Coinbase One CardNot disclosedGemini Credit CardNot disclosedNexo CardNot disclosedBitpanda CardNot disclosed
- Crypto deposits
- Coinbase One CardNot disclosedGemini Credit CardNot disclosedNexo CardStablecoins: USDC, USDT; Other crypto: BTC, ETH, SOL, XRP, ADA +3Bitpanda CardStablecoins: USDC
- Fiat deposits
- Coinbase One CardNot disclosedGemini Credit CardNot disclosedNexo CardNexo account bank depositBitpanda CardEUR SEPA deposit
- Transfers
- Coinbase One CardNot disclosedGemini Credit CardNot disclosedNexo CardStablecoin transfers; Nexo account internal transfer; Nexo account bank withdrawalBitpanda CardStablecoin transfers; EUR SEPA withdrawal
- Payout currencies
- Coinbase One CardNot disclosedGemini Credit CardNot disclosedNexo CardEUR, GBP, USDBitpanda CardEUR
Rewards
- Base cashback
- Coinbase One Card2%Gemini Credit Card1%Nexo Card0.5%Bitpanda Card1%
- Max cashback
- Coinbase One Card4%Gemini Credit Card4%Nexo Card2%Bitpanda Card1%
- Reward currency
- Coinbase One CardBitcoinGemini Credit CardSelected eligible crypto assetNexo CardNEXO Tokens or BTC cashbackBitpanda CardSame eligible cryptocurrency used for payment
Earn
- Advertised APY
- Coinbase One CardNot disclosedGemini Credit CardUp to 2.1% APYNexo CardUp to 13% APYBitpanda CardNot disclosed
- How it works
- Coinbase One CardBorrow against collateralGemini Credit CardOptional earn vaultNexo CardEarn on spending balanceBitpanda CardEarn on spending balance
- Separate deposit
- Coinbase One CardNoGemini Credit CardNoNexo CardNot disclosedBitpanda CardNo
- Use balance for spending
- Coinbase One CardNoGemini Credit CardNoNexo CardYesBitpanda CardYes
- Lock-up
- Coinbase One CardYesGemini Credit CardNot disclosedNexo CardNoBitpanda CardNo
Trust & availability
- Custody
- Coinbase One CardCustodialGemini Credit CardCustodialNexo CardCustodialBitpanda CardCustodial
- Control until payment
- Coinbase One CardProvider controls fundsGemini Credit CardProvider controls fundsNexo CardProvider controls fundsBitpanda CardProvider controls funds
- Card issuer
- Coinbase One CardFirst Electronic BankGemini Credit CardWebBankNexo CardDiPocket UABBitpanda CardTransact Payments Malta Limited
- Card processing
- Coinbase One CardNot disclosedGemini Credit CardGemini Constellation, LLCNexo CardNot disclosedBitpanda CardMarqeta
- Custody / key management
- Coinbase One CardCoinbase, Inc.Gemini Credit CardGemini Trust Company, LLC / Gemini Moonbase, LLCNexo CardNot disclosedBitpanda CardNot disclosed
- Programme operator
- Coinbase One CardNot disclosedGemini Credit CardNot disclosedNexo CardNexo Services Sp. z o.o.Bitpanda CardNot disclosed
Sources
- Official sources
- Coinbase One Card23Gemini Credit Card23Nexo Card14Bitpanda Card16
- Last reviewed
- Coinbase One CardOct 11, 2026Gemini Credit CardAug 30, 2026Nexo CardSep 2, 2026Bitpanda CardOct 6, 2026