No FXMetal card
- Cashback
- 1%-4%
- Plan cost
- $0
- Custody
- Custodial
- Network
- Mastercard
Card comparison
Compare cards, side by side
Compare fees, rewards, everyday use, money movement and custody from the same reviewed profiles used across the catalog. Missing data stays visible instead of becoming an advantage.
01 · Build the comparison
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02 · Read the shortlist
Start with scores and key trade-offs
Each summary uses the same profile and Overall Score as the catalog. Open a score to see its seven fixed category ratings.
BTC depositsCrypto-native
- Cashback
- 0.5%-2%
- Plan cost
- $0
- Custody
- Custodial
- Network
- Mastercard
Low FXTravel focus
- Cashback
- 1%-10%
- Plan cost
- $0
- Custody
- Custodial
- Network
- Mastercard
64
Metal cardNo CEX
- Cashback
- 0%-2%
- Plan cost
- $0
- Custody
- Custodial
- Network
- Mastercard
03 · Compare the evidence
Scan every difference, row by row
Best markers compare known numeric values only. A missing or unverified field stays explicit and never wins a row.
Best known Not disclosed
Cards
Gemini Credit CardOverall74
Nexo CardOverall65
Bybit Card (EU)Overall68
ARQ CardOverall64
Gemini Credit CardOverall74Nexo CardOverall65Bybit Card (EU)Overall68ARQ CardOverall64Scores
6 fields- Overall Score
- Gemini Credit Card74Nexo Card65Bybit Card (EU)68ARQ Card64
- Cashback score
- Gemini Credit Card61Nexo Card41Bybit Card (EU)47ARQ Card41
- Travel score
- Gemini Credit Card82Nexo Card65Bybit Card (EU)87ARQ Card62
- Funds control score
- Gemini Credit Card57Nexo Card52Bybit Card (EU)51ARQ Card52
- Lowest fees score
- Gemini Credit Card45Nexo Card57Bybit Card (EU)72ARQ Card52
- Transfers score
- Gemini Credit Card92Nexo Card91Bybit Card (EU)79ARQ Card75
Strengths & trade-offs
2 fields- Strengths
- Gemini Credit CardNo annual or foreign transaction fee, A 1%-4% crypto reward scheduleNexo CardChoose debit spend or credit-line use, No base monthly or annual card feeBybit Card (EU)Funding Account connects deposits and card spend, Lite and Standard card accessARQ CardClear four-country residence coverage, Virtual, physical and phone-wallet access
- Trade-offs
- Gemini Credit CardVariable APR and costly cash advances, Applications are limited to the United StatesNexo CardSpending follows the Nexo account model, Credit Mode adds collateral riskBybit Card (EU)ATM use gets costly after the allowance, Spending follows the Bybit EU account modelARQ CardProvider FX spread remains unclear, Headline cashback requires membership
Costs
7 fields- Plan cost
- Gemini Credit Card$0Nexo Card$0Bybit Card (EU)$0ARQ Card$0
- FX fee
- Gemini Credit Card$0 foreign transaction fee; Mastercard exchange rates and credit interest remain separateNexo Card0.2–2.5%Bybit Card (EU)0.5%ARQ CardProvider spread unknown; Argentina/Brazil variant charges may apply
- Top-up fee
- Gemini Credit CardNot applicable; linked-bank and check routes repay the credit accountNexo CardNot disclosedBybit Card (EU)Not disclosedARQ CardStandard receive: 3 USDc for USD/crypto and 3 EURc for EUR
- Card spending fee
- Gemini Credit Card0%Nexo CardNot disclosedBybit Card (EU)Not disclosedARQ Card0%
- ATM fee
- Gemini Credit Card3–29.49%Nexo Card0–2%; minimum 1.99 EUR/GBPBybit Card (EU)2%ARQ Card1–3%
- Virtual card
- Gemini Credit CardNot disclosedNexo CardAvailable from $50 account balanceBybit Card (EU)FreeARQ CardFree
- Physical card
- Gemini Credit CardNot disclosedNexo CardFree shipping; requires more than $5,000 account balance and at least Gold tierBybit Card (EU)First physical card freeARQ Card$4.99 Standard; $0 Premium
Plans
2 fields- Available plans
- Gemini Credit CardNot disclosedNexo Card4 plans: Base, Silver, Gold, PlatinumBybit Card (EU)6 plans: Base, VIP 1-2, VIP 3, VIP 4 / PRO 1 +2ARQ Card3 plans: Standard, Premium, Prestige
- Top cashback plan
- Gemini Credit CardNot disclosedNexo CardPlatinum: 2%Bybit Card (EU)VIP 6 / PRO 3-5: 10%ARQ CardPrestige: 2%
Everyday use
8 fields- Network
- Gemini Credit CardMastercardNexo CardMastercardBybit Card (EU)MastercardARQ CardMastercard
- Card formats
- Gemini Credit CardVirtual, PhysicalNexo CardVirtual, PhysicalBybit Card (EU)Virtual, PhysicalARQ CardVirtual, Physical
- ATM withdrawals
- Gemini Credit CardAvailableNexo CardAvailableBybit Card (EU)AvailableARQ CardAvailable
- Mobile wallets
- Gemini Credit CardApple Pay, Google PayNexo CardApple Pay, Google PayBybit Card (EU)Apple Pay, Google PayARQ CardApple Pay, Google Pay
- Apps
- Gemini Credit CardiOS, Android, WebNexo CardiOS, Android, WebBybit Card (EU)iOS, Android, WebARQ CardiOS, Android
- Daily spending limit
- Gemini Credit CardApplicant-specific credit limit; no reusable daily purchase limit is publishedNexo Card€10,000 / £9,000/day; €10,000 / £9,000/transactionBybit Card (EU)€5k / €10k / €15k by tier · Lite €150 lifetimeARQ CardNot disclosed
- Monthly spending limit
- Gemini Credit CardApplicant-specific credit limit; no reusable monthly purchase limit is publishedNexo Card€60,000 / £54,000/monthBybit Card (EU)€10k / €25k / €50k by tier · Lite €150 lifetimeARQ CardNot disclosed
- ATM limit
- Gemini 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/monthBybit Card (EU)€2k / €5k / €10k by tier · €2k per withdrawal and per dayARQ CardNot disclosed
Funding & transfers
5 fields- Networks
- Gemini Credit CardBitcoin, Ethereum, Solana, Arbitrum, Avalanche, Base +2Nexo CardNot disclosedBybit Card (EU)Not disclosedARQ CardEthereum, Polygon, Tron
- Crypto deposits
- Gemini Credit CardOther crypto: Supported Gemini crypto and stablecoinsNexo CardStablecoins: USDC, USDT; Other crypto: BTC, ETH, SOL, XRP, ADA +3Bybit Card (EU)Other crypto: Supported cryptoARQ CardStablecoins: USDC, USDT
- Fiat deposits
- Gemini Credit CardUSD bank transferNexo CardNexo account bank depositBybit Card (EU)Bybit EU Funding Account depositARQ CardUSD receive, EUR receive
- Transfers
- Gemini Credit CardStablecoin transfers; Gemini USD bank transferNexo CardStablecoin transfers; Nexo account internal transfer; Nexo account bank withdrawalBybit Card (EU)Stablecoin transfers; Bybit EU account fiat withdrawalARQ CardARQ P2P; USD ACH payout
- Payout currencies
- Gemini Credit CardUSDNexo CardEUR, GBP, USDBybit Card (EU)Not disclosedARQ CardUSD
Rewards
3 fields- Base cashback
- Gemini Credit Card1%Nexo Card0.5%Bybit Card (EU)1%ARQ Card0%
- Max cashback
- Gemini Credit Card4%Nexo Card2%Bybit Card (EU)10%ARQ Card2%
- Reward currency
- Gemini Credit CardSelected eligible crypto assetNexo CardNEXO Tokens or BTC cashbackBybit Card (EU)EUR-equivalent cashback via convertible Bybit Points (1 point = EUR 0.002; Auto Cashback from 50 points)ARQ CardUSDc cashback
Earn
5 fields- Advertised APY
- Gemini Credit CardUp to 2.1% APYNexo CardUp to 13% APYBybit Card (EU)Up to 8% APYARQ CardUp to 4.5% APY
- How it works
- Gemini Credit CardOptional earn vaultNexo CardEarn on spending balanceBybit Card (EU)Not disclosedARQ CardEarn on spending balance, Optional earn vault
- Separate deposit
- Gemini Credit CardNoNexo CardNot disclosedBybit Card (EU)Not disclosedARQ CardYes
- Use balance for spending
- Gemini Credit CardNoNexo CardYesBybit Card (EU)Not disclosedARQ CardNo
- Lock-up
- Gemini Credit CardNot disclosedNexo CardNoBybit Card (EU)Not disclosedARQ CardNo
Trust & availability
6 fields- Custody
- Gemini Credit CardCustodialNexo CardCustodialBybit Card (EU)CustodialARQ CardCustodial
- Control until payment
- Gemini Credit CardProvider controls fundsNexo CardProvider controls fundsBybit Card (EU)Provider controls fundsARQ CardProvider controls funds
- Card issuer
- Gemini Credit CardWebBankNexo CardDiPocket UABBybit Card (EU)Harmoniie SAS, Moorwand LtdARQ CardNot disclosed
- Card processing
- Gemini Credit CardGemini Constellation, LLCNexo CardNot disclosedBybit Card (EU)Not disclosedARQ CardNot disclosed
- Custody / key management
- Gemini Credit CardGemini Trust Company, LLC / Gemini Moonbase, LLCNexo CardNot disclosedBybit Card (EU)Not disclosedARQ CardNot disclosed
- Programme operator
- Gemini Credit CardNot disclosedNexo CardNexo Services Sp. z o.o.Bybit Card (EU)Not disclosedARQ CardNot disclosed
Sources
2 fields- Official sources
- Gemini Credit Card23Nexo Card13Bybit Card (EU)10ARQ Card36
- Last reviewed
- Gemini Credit CardAug 30, 2026Nexo CardAug 5, 2026Bybit Card (EU)Aug 14, 2026ARQ CardAug 5, 2026
Use the comparison
Choose the trade-offs you can live with
Scores create a useful starting point. The guides explain the money flow, costs and reward conditions behind the rows.