GeminiGemini Credit
69
Side-by-side card comparison
Gemini Credit vs Coinbase One
Gemini Credit Card has the higher Overall Score by 13 points (69 vs 56). Gemini Credit Card also looks stronger for Cashback, Travel, Funds control, Lowest fees, and Transfers. The details below show where Coinbase One Card may still be the better personal fit.
Latest check Oct 11, 202646 official sources reviewed
Gemini Credit Card
Best fit
- U.S. applicants seeking crypto rewards without an annual card fee.
- Everyday dining and grocery spending at 3% and 2% crypto rewards.
- Choosing a supported reward asset instead of buying it separately.
Before you choose
- 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.
- Rewards enter a custodial Gemini account and can change in market value.
Coinbase One Card
Best fit
- Existing Coinbase One members who already pay for an eligible plan.
- Everyday credit-card spending with 2% back in BTC on eligible purchases.
- Booking through Coinbase One Card Travel for 5% back in BTC.
Before you choose
- 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.
- U.S. residents only, excluding territories; credit approval is required.
Fees & features
Compare the details
Best markers compare published, comparable values. Unknown values never win a row.
Best known Not disclosed
CardsGemini Credit CardOverall69Coinbase One CardOverall56
Gemini Credit CardOverall69Coinbase One CardOverall56Scores
- Overall Score
- Gemini Credit Card69Coinbase One Card56
- Cashback score
- Gemini Credit Card60Coinbase One Card40
- Travel score
- Gemini Credit Card80Coinbase One Card60
- Funds control score
- Gemini Credit Card39Coinbase One Card36
- Lowest fees score
- Gemini Credit Card45Coinbase One Card40
- Transfers score
- Gemini Credit Card26Coinbase One Card24
Costs
- Plan cost
- Gemini Credit Card$0Coinbase One Card$49.99/year
- FX fee
- Gemini Credit Card$0 foreign transaction fee; Mastercard exchange rates and credit interest remain separateCoinbase One Card0% foreign transaction fee; Amex conversion rates remain separate
- Top-up fee
- Gemini Credit CardNot applicable; linked-bank and check routes repay the credit accountCoinbase One CardLinked U.S. bank or accepted Coinbase wallet repayment; crypto spread varies
- Card spending fee
- Gemini Credit Card0%Coinbase One CardNot disclosed
- ATM fee
- Gemini Credit Card3–29.49%Coinbase One CardCash advance: greater of $10 or 5%, plus variable interest from posting and possible ATM-operator fees
- Virtual card
- Gemini Credit CardNot disclosedCoinbase One CardNot disclosed
- Physical card
- Gemini Credit CardNot disclosedCoinbase One CardNot disclosed
Plans
- Available plans
- Gemini Credit CardNot disclosedCoinbase One Card4 plans: AOC tier 1: 2%, AOC tier 2: 2.5%, AOC tier 3: 3%, AOC tier 4: 4%
- Top cashback plan
- Gemini Credit CardNot disclosedCoinbase One CardAOC tier 4: 4%: 4%
Everyday use
- Network
- Gemini Credit CardMastercardCoinbase One CardAmerican Express
- Card formats
- Gemini Credit CardVirtual, PhysicalCoinbase One CardVirtual, Physical
- ATM withdrawals
- Gemini Credit CardAvailableCoinbase One CardNot disclosed
- Mobile wallets
- Gemini Credit CardApple Pay, Google PayCoinbase One CardApple Pay, Google Pay
- Apps
- Gemini Credit CardiOS, Android, WebCoinbase One CardiOS, Android, Web
- Daily spending limit
- Gemini Credit CardApplicant-specific credit limit; no reusable daily purchase limit is publishedCoinbase One CardPersonalized credit limit; no reusable daily spend ceiling
- Monthly spending limit
- Gemini Credit CardApplicant-specific credit limit; no reusable monthly purchase limit is publishedCoinbase One CardPersonalized credit limit; no reusable monthly spend ceiling
- ATM limit
- Gemini Credit Card$1,000 daily and no more than 10% of the total credit limitCoinbase One CardCash access and its sublimit are determined by the issuer
Funding & transfers
- Networks
- Gemini Credit CardNot disclosedCoinbase One CardNot disclosed
- Crypto deposits
- Gemini Credit CardNot disclosedCoinbase One CardNot disclosed
- Fiat deposits
- Gemini Credit CardNot disclosedCoinbase One CardNot disclosed
- Transfers
- Gemini Credit CardNot disclosedCoinbase One CardNot disclosed
- Payout currencies
- Gemini Credit CardNot disclosedCoinbase One CardNot disclosed
Rewards
- Base cashback
- Gemini Credit Card1%Coinbase One Card2%
- Max cashback
- Gemini Credit Card4%Coinbase One Card4%
- Reward currency
- Gemini Credit CardSelected eligible crypto assetCoinbase One CardBitcoin
Earn
- Advertised APY
- Gemini Credit CardUp to 2.1% APYCoinbase One CardNot disclosed
- How it works
- Gemini Credit CardOptional earn vaultCoinbase One CardBorrow against collateral
- Separate deposit
- Gemini Credit CardNoCoinbase One CardNo
- Use balance for spending
- Gemini Credit CardNoCoinbase One CardNo
- Lock-up
- Gemini Credit CardNot disclosedCoinbase One CardYes
Trust & availability
- Custody
- Gemini Credit CardCustodialCoinbase One CardCustodial
- Control until payment
- Gemini Credit CardProvider controls fundsCoinbase One CardProvider controls funds
- Card issuer
- Gemini Credit CardWebBankCoinbase One CardFirst Electronic Bank
- Card processing
- Gemini Credit CardGemini Constellation, LLCCoinbase One CardNot disclosed
- Custody / key management
- Gemini Credit CardGemini Trust Company, LLC / Gemini Moonbase, LLCCoinbase One CardCoinbase, Inc.
Sources
- Official sources
- Gemini Credit Card23Coinbase One Card23
- Last reviewed
- Gemini Credit CardAug 30, 2026Coinbase One CardOct 11, 2026
Choosing between these cards
When to choose Gemini Credit or Coinbase One
How you receive rewards
Choose by the reward asset you want to receive: Gemini Credit lists Selected eligible crypto asset; Coinbase One lists Bitcoin.
Keeping recurring costs down
Gemini Credit's base plan is $0, compared with $49.99/year for Coinbase One. This favours Gemini Credit for occasional use; card issuance and transaction fees are separate.
Common questions
Gemini Credit vs Coinbase One FAQ
Is Gemini Credit or Coinbase One better overall?
Gemini Credit Card has the higher Overall Score (69 vs 56). 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 Coinbase One?
Gemini Credit Card has the lower starting plan cost ($0 vs $49.99/year). 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 Coinbase One?
Coinbase One Card has the higher published base cashback rate (2% 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 Coinbase One differ on custody?
Gemini Credit Card and Coinbase One Card use the same custodial balance setup.
How current is this Gemini Credit vs Coinbase One comparison?
The latest information check for these two cards was October 11, 2026, using 46 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.