GeminiGemini Credit
69
Side-by-side card comparison
Gemini Credit vs Solid: overall score versus use-case fit
Solid Card has the higher Overall Score by 16 points (85 vs 69). Gemini Credit Card looks stronger for Travel, while Solid Card comes out ahead for Cashback, Funds control, Lowest fees, and Transfers.
Information checked Oct 11, 202643 official sources reviewed
01 · Overall score versus use-case fit
Solid Card is the better all-round starting point
Solid Card has the higher Overall Score in this comparison. Gemini Credit Card may be the better fit for Travel. A score cannot tell you whether a provider will accept your application or whether every feature will be available where you live, so check the latest provider terms before signing up.
OverallGemini Credit69Solid85Higher score
CashbackGemini Credit60Solid89Higher score
TravelGemini Credit80Solid58Higher score
Funds controlGemini Credit39Solid94Higher score
Lowest feesGemini Credit45Solid81Higher score
TransfersGemini Credit26Solid78Higher score
Choose Gemini Credit Card if travel matters most
Gemini Credit Card comes out ahead for Travel in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- No annual or foreign transaction fee
- A 1%-4% crypto reward schedule
- Metal card and three phone wallets
Choose Solid Card if cashback and funds control matter most
Solid Card comes out ahead for Cashback, Funds control, Lowest fees, and Transfers in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Savings can stay productive while spending
- Higher rates in selected categories
- Eligible ACH/wire receive details
Where each card has the edge
The overall leader does not win every use case, so the reason you want the card matters here.
- Overall Score
- Gemini Credit69Solid85
Solid Card has the higher Overall Score by 16 points.
- Entry cost & FX
- Gemini Credit$0 plan · $0 foreign transaction fee; Mastercard exchange rates and credit interest remain separate FXSolid$0 plan · 0–2% FX
Gemini Credit Card has the lower published FX fee ($0 foreign transaction fee; Mastercard exchange rates and credit interest remain separate vs 0–2%).
- Purchase rewards
- Gemini Credit1% base · up to 4%Solid3% base · up to 5%
Solid Card has the higher published base cashback rate (3% vs 1%).
- Funds control
- Gemini CreditCustodial balanceSolidSelf-controlled wallet
Gemini Credit Card uses a custodial balance setup, while Solid Card uses a self-controlled wallet setup. Neither approach is always better, so choose the level of control you are comfortable with.
- Everyday access
- Gemini CreditVirtual + Physical · Apple Pay, Google PaySolidVirtual · Apple Pay, Google Pay
Gemini Credit Card lists more card formats and phone-wallet options (4 vs 3).
- Money movement
- Gemini Credit0 stablecoins · Not modeledSolid4 stablecoins · Stablecoin transfers
Solid Card lists more stablecoins and ways to send money out (6 vs 0).
02 · Read the shortlist
A closer look at the split decision
Start with the strengths that drive each use-case result, then test them against costs and access.
- Cashback
- 1%-4%
- Plan cost
- $0
- FX fee
- $0 foreign transaction fee; Mastercard exchange rates and credit interest remain separate
- ATM fee
- 3–29.49%
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 0 crypto · 0 fiat
- Payout methods
- 0 crypto · 0 fiat
- Cashback
- 3%-5%
- Plan cost
- $0
- FX fee
- 0–2%
- ATM fee
- Not available
- Card formats
- Virtual
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 10 crypto · 17 fiat
- Payout methods
- 3 crypto · 0 fiat
Current signup offers
Signup value available today
A welcome offer can improve the value of your first months with a card. Check the eligibility rules, qualifying actions and deadline first. Signup offers are excluded from card scores.
Gemini Credit Card
No active signup offer listed
We do not currently list an active signup offer for this card.
Solid Card
$25 in FUSE
$25 in FUSE after $150 of qualifying card spend
- Sign up through the referral link, verify identity and activate the Solid Card.
- Within 30 days of signup, spend $150 on eligible everyday purchases at three or more shops, at least $10 total at each. Purchases below $2 do not count.
- After qualification, make one more eligible purchase of at least $10 before payout.
Solid Card promo code15QRE
The $25 value converts to FUSE at payout; FUSE can lose value. October 8 eligibility changes apply to all unpaid rewards, including already-qualified referrals. Referrals before September 8 retain $15 USDC / $75 spend, subject to the updated eligibility rules. Maximum 50 referral rewards. Solid can change or end the programme.
Partner links may earn us a commission. Read our affiliate disclosure for how these links work.
03 · Compare the details
See how the trade-offs line up
Comparable figures receive a marker; missing or unverified details stay visible instead of becoming an assumed advantage.
Best known Not disclosed
CardsGemini Credit CardOverall69Solid CardOverall85
Gemini Credit CardOverall69Solid CardOverall85Scores
6 fields- Overall Score
- Gemini Credit Card69Solid Card85
- Cashback score
- Gemini Credit Card60Solid Card89
- Travel score
- Gemini Credit Card80Solid Card58
- Funds control score
- Gemini Credit Card39Solid Card94
- Lowest fees score
- Gemini Credit Card45Solid Card81
- Transfers score
- Gemini Credit Card26Solid Card78
Strengths & trade-offs
2 fields- Strengths
- Gemini Credit CardNo annual or foreign transaction fee, A 1%-4% crypto reward scheduleSolid CardSavings can stay productive while spending, Higher rates in selected categories
- Trade-offs
- Gemini Credit CardVariable APR and costly cash advances, Applications are limited to the United StatesSolid CardHigher tiers require payment or locked FUSE, ATM availability is still being checked
Costs
7 fields- Plan cost
- Gemini Credit Card$0Solid Card$0
- FX fee
- Gemini Credit Card$0 foreign transaction fee; Mastercard exchange rates and credit interest remain separateSolid Card0–2%
- Top-up fee
- Gemini Credit CardNot applicable; linked-bank and check routes repay the credit accountSolid Card0%
- Card spending fee
- Gemini Credit Card0%Solid Card0%
- ATM fee
- Gemini Credit Card3–29.49%Solid CardNot available
- Virtual card
- Gemini Credit CardNot disclosedSolid CardVirtual Visa in app after KYC; activation requires at least $10 in Wallet or Savings
- Physical card
- Gemini Credit CardNot disclosedSolid CardPhysical card not listed
Plans
2 fields- Available plans
- Gemini Credit CardNot disclosedSolid Card3 plans: Core, Prime, Ultra
- Top cashback plan
- Gemini Credit CardNot disclosedSolid CardUltra: 5%
Everyday use
8 fields- Network
- Gemini Credit CardMastercardSolid CardVisa
- Card formats
- Gemini Credit CardVirtual, PhysicalSolid CardVirtual
- ATM withdrawals
- Gemini Credit CardAvailableSolid CardNot available
- Mobile wallets
- Gemini Credit CardApple Pay, Google PaySolid CardApple Pay, Google Pay
- Apps
- Gemini Credit CardiOS, Android, WebSolid CardiOS, Android, Web
- Daily spending limit
- Gemini Credit CardApplicant-specific credit limit; no reusable daily purchase limit is publishedSolid CardShown in app
- Monthly spending limit
- Gemini Credit CardApplicant-specific credit limit; no reusable monthly purchase limit is publishedSolid CardShown in app
- ATM limit
- Gemini Credit Card$1,000 daily and no more than 10% of the total credit limitSolid CardNot disclosed
Funding & transfers
5 fields- Networks
- Gemini Credit CardNot disclosedSolid CardFuse, Ethereum, BNB Smart Chain, Polygon, Base, Arbitrum
- Crypto deposits
- Gemini Credit CardNot disclosedSolid CardStablecoins: soUSD, USDC, USDT, FUSE, EURC; Other crypto: soETH, VOLT, WBTC, WETH, WFUSE
- Fiat deposits
- Gemini Credit CardNot disclosedSolid CardUSD virtual account, TransFi ARS funding, TransFi COP funding, TransFi BDT funding +13
- Transfers
- Gemini Credit CardNot disclosedSolid CardStablecoin transfers
- Payout currencies
- Gemini Credit CardNot disclosedSolid CardNot disclosed
Rewards
3 fields- Base cashback
- Gemini Credit Card1%Solid Card3%
- Max cashback
- Gemini Credit Card4%Solid Card5%
- Reward currency
- Gemini Credit CardSelected eligible crypto assetSolid CardUSDC cashback
Earn
5 fields- Advertised APY
- Gemini Credit CardUp to 2.1% APYSolid CardUp to 14% APY
- How it works
- Gemini Credit CardOptional earn vaultSolid CardBorrow against collateral, Optional earn vault
- Separate deposit
- Gemini Credit CardNoSolid CardYes
- Use balance for spending
- Gemini Credit CardNoSolid CardNo
- Lock-up
- Gemini Credit CardNot disclosedSolid CardNot disclosed
Trust & availability
6 fields- Custody
- Gemini Credit CardCustodialSolid CardSelf-custody
- Control until payment
- Gemini Credit CardProvider controls fundsSolid CardYou keep control
- Card issuer
- Gemini Credit CardWebBankSolid CardRain, Third National, Wirex
- Card processing
- Gemini Credit CardGemini Constellation, LLCSolid CardFuse Network Ltd
- Custody / key management
- Gemini Credit CardGemini Trust Company, LLC / Gemini Moonbase, LLCSolid CardNot disclosed
- Programme operator
- Gemini Credit CardNot disclosedSolid CardFuse Network Ltd
Sources
2 fields- Official sources
- Gemini Credit Card23Solid Card20
- Last reviewed
- Gemini Credit CardAug 30, 2026Solid CardOct 11, 2026
04 · The trade-off
Solid Card is the stronger all-round choice
Solid Card finishes ahead with an Overall Score of 85 versus 69 for Gemini Credit Card. Gemini Credit Card has the lower published FX fee ($0 foreign transaction fee; Mastercard exchange rates and credit interest remain separate vs 0–2%). Solid Card has the higher published base cashback rate (3% vs 1%).
Gemini Credit Card still comes out ahead for Travel, which may matter more than the overall result if that is how you plan to use the card. Gemini Credit Card uses a custodial balance setup, while Solid Card uses a self-controlled wallet setup. Neither approach is always better, so choose the level of control you are comfortable with.
Solid Card lists more stablecoins and ways to send money out (6 vs 0). Before applying, confirm availability in your country and recheck the provider's current fees and reward conditions.
If one card now looks like the better fit, you can check the latest application terms on the provider site or read our full Gemini Credit Card and Solid Card reviews first.
Continue with
Gemini Credit Card
Continue with
Solid Card
05 · Common questions
Gemini Credit vs Solid FAQ
Is Gemini Credit or Solid better overall?
Solid Card has the higher Overall Score (85 vs 69). That does not make it better for everyone: your preferred fees, rewards, way of holding funds and country availability can change the practical choice.
Which has lower fees, Gemini Credit or Solid?
Gemini Credit Card has the lower published FX fee ($0 foreign transaction fee; Mastercard exchange rates and credit interest remain separate vs 0–2%). Compare plan, FX, card-spend, top-up and ATM charges separately because one fee does not represent the full cost.
Which has better cashback, Gemini Credit or Solid?
Solid Card has the higher published base cashback rate (3% vs 1%). Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do Gemini Credit and Solid differ on custody?
Gemini Credit Card uses a custodial balance setup, while Solid Card uses a self-controlled wallet setup. Neither approach is always better, so choose the level of control you are comfortable with.
How current is this Gemini Credit vs Solid comparison?
The latest information check for these two cards was October 11, 2026, using 43 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.