GeminiGemini Credit
69
Side-by-side card comparison
Gemini Credit vs Decaf
Gemini Credit Card has the higher Overall Score by 5 points (69 vs 64). Gemini Credit Card looks stronger for Cashback and Travel, while Decaf Card comes out ahead for Funds control, Lowest fees, and Transfers.
Latest check Oct 19, 202644 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.
Decaf Card
Best fit
- Spending USDC received on Solana or Stellar through a separate card load.
- Using the virtual Visa for Apple Pay and Google Pay purchases.
- Receiving bank payments as USDC before allocating funds to the card.
Before you choose
- Virtual issuance costs $5; physical cards cost $10–$90 by region.
- US international fees are 1%; the non-USD international FX ceiling is 2%.
- Card collateral can be liquidated; US withdrawals require prior notice.
Fees & features
Compare the details
Best markers compare published, comparable values. Unknown values never win a row.
Best known Not disclosed
CardsGemini Credit CardOverall69Decaf CardOverall64
Gemini Credit CardOverall69Decaf CardOverall64Scores
- Overall Score
- Gemini Credit Card69Decaf Card64
- Cashback score
- Gemini Credit Card60Decaf Card29
- Travel score
- Gemini Credit Card80Decaf Card60
- Funds control score
- Gemini Credit Card39Decaf Card63
- Lowest fees score
- Gemini Credit Card45Decaf Card57
- Transfers score
- Gemini Credit Card26Decaf Card70
Costs
- Plan cost
- Gemini Credit Card$0Decaf Card$0
- FX fee
- Gemini Credit Card$0 foreign transaction fee; Mastercard exchange rates and credit interest remain separateDecaf Card1–2%
- Top-up fee
- Gemini Credit CardNot applicable; linked-bank and check routes repay the credit accountDecaf CardCard-load fee unknown; parent-account bank deposits have separate charges
- Card spending fee
- Gemini Credit Card0%Decaf CardNot disclosed
- ATM fee
- Gemini Credit Card3–29.49%Decaf Card0% Decaf markup
- Virtual card
- Gemini Credit CardNot disclosedDecaf Card$5
- Physical card
- Gemini Credit CardNot disclosedDecaf Card$90 international / $10 US
Plans
- Available plans
- Gemini Credit CardNot disclosedDecaf CardNot disclosed
- Top cashback plan
- Gemini Credit CardNot disclosedDecaf CardNot disclosed
Everyday use
- Network
- Gemini Credit CardMastercardDecaf CardVisa
- Card formats
- Gemini Credit CardVirtual, PhysicalDecaf CardVirtual, Physical
- ATM withdrawals
- Gemini Credit CardAvailableDecaf CardNot disclosed
- Mobile wallets
- Gemini Credit CardApple Pay, Google PayDecaf CardApple Pay, Google Pay
- Apps
- Gemini Credit CardiOS, Android, WebDecaf CardiOS, Android, Web
- Daily spending limit
- Gemini Credit CardApplicant-specific credit limit; no reusable daily purchase limit is publishedDecaf CardNot disclosed
- Monthly spending limit
- Gemini Credit CardApplicant-specific credit limit; no reusable monthly purchase limit is publishedDecaf CardNot disclosed
- ATM limit
- Gemini Credit Card$1,000 daily and no more than 10% of the total credit limitDecaf Card$250 per withdrawal; up to 3 withdrawals daily
Funding & transfers
- Networks
- Gemini Credit CardNot disclosedDecaf CardSolana, Stellar
- Crypto deposits
- Gemini Credit CardNot disclosedDecaf CardStablecoins: USDC
- Fiat deposits
- Gemini Credit CardNot disclosedDecaf CardUSD, EUR and MXN account receipts
- Transfers
- Gemini Credit CardNot disclosedDecaf CardParent-account bank withdrawals, MoneyGram cash pickup
- Payout currencies
- Gemini Credit CardNot disclosedDecaf CardUSD, EUR, MXN, COP, BRL, ARS, VES
Rewards
- Base cashback
- Gemini Credit Card1%Decaf CardNot disclosed
- Max cashback
- Gemini Credit Card4%Decaf CardNot disclosed
- Reward currency
- Gemini Credit CardSelected eligible crypto assetDecaf CardNot disclosed
Earn
- Advertised APY
- Gemini Credit CardUp to 2.1% APYDecaf CardNot disclosed
- How it works
- Gemini Credit CardOptional earn vaultDecaf CardOptional earn vault
- Separate deposit
- Gemini Credit CardNoDecaf CardYes
- Use balance for spending
- Gemini Credit CardNoDecaf CardNot disclosed
- Lock-up
- Gemini Credit CardNot disclosedDecaf CardNot disclosed
Trust & availability
- Custody
- Gemini Credit CardCustodialDecaf CardNon-custodial
- Control until payment
- Gemini Credit CardProvider controls fundsDecaf CardNot disclosed
- Card issuer
- Gemini Credit CardWebBankDecaf CardThird National, Inc.
- Card processing
- Gemini Credit CardGemini Constellation, LLCDecaf CardRain
- Custody / key management
- Gemini Credit CardGemini Trust Company, LLC / Gemini Moonbase, LLCDecaf CardNot disclosed
- Deposits & withdrawals
- Gemini Credit CardNot disclosedDecaf CardMoneyGram
Sources
- Official sources
- Gemini Credit Card23Decaf Card21
- Last reviewed
- Gemini Credit CardAug 30, 2026Decaf CardOct 19, 2026
Choosing between these cards
When to choose Gemini Credit or Decaf
Spending in foreign currencies
For FX on foreign-currency purchases, Gemini Credit lists $0 foreign transaction fee; Mastercard exchange rates and credit interest remain separate, versus 1–2% at Decaf. Use the tariff for your country and plan; conversion fees can add to these figures.
Matching the card to your plans
Gemini Credit: U.S. applicants seeking crypto rewards without an annual card fee. Decaf: Spending USDC received on Solana or Stellar through a separate card load.
Common questions
Gemini Credit vs Decaf FAQ
Is Gemini Credit or Decaf better overall?
Gemini Credit Card has the higher Overall Score (69 vs 64). 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 Decaf?
Gemini Credit Card has the lower published FX fee ($0 foreign transaction fee; Mastercard exchange rates and credit interest remain separate vs 1–2%). 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 Decaf?
The providers have not published enough matching base cashback information to name a winner. Check the maximum rates, reward assets, caps and conditions below. 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 Decaf differ on custody?
Gemini Credit Card uses a custodial balance setup, while Decaf Card uses a non-custodial account setup. Neither approach is always better, so choose the level of control you are comfortable with.
How current is this Gemini Credit vs Decaf comparison?
The latest information check for these two cards was October 19, 2026, using 44 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.