GeminiGemini Credit
69
Side-by-side card comparison
Gemini Credit vs ether.fi Cash: fees, rewards and account setup
ether.fi Cash Card has the higher Overall Score by 17 points (86 vs 69). ether.fi Cash Card also looks stronger for Cashback, Travel, Funds control, Lowest fees, and Transfers. The details below show where Gemini Credit Card may still be the better personal fit.
Information checked Oct 6, 202660 official sources reviewed
01 · Make the first cut
ether.fi Cash Card is the better all-round starting point
ether.fi Cash Card has the higher Overall Score in this comparison. Gemini Credit Card may still suit you better if its card format, way of holding funds or availability is the deciding factor. 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 Credit69ether.fi Cash86Higher score
CashbackGemini Credit60ether.fi Cash84Higher score
TravelGemini Credit80ether.fi Cash82Higher score
Funds controlGemini Credit39ether.fi Cash96Higher score
Lowest feesGemini Credit45ether.fi Cash65Higher score
TransfersGemini Credit26ether.fi Cash100Higher score
Choose Gemini Credit Card if its day-to-day setup suits you
Gemini Credit Card does not lead one of the use-case scores here, but it can still be the right choice when its costs, rewards and day-to-day setup match how you plan to use it. The other card looks stronger for Cashback, Travel, Funds control, Lowest fees, and Transfers, so compare that advantage with the features you would actually use.
- No annual or foreign transaction fee
- A 1%-4% crypto reward schedule
- Metal card and three phone wallets
Choose ether.fi Cash Card if cashback and travel matter most
ether.fi Cash Card comes out ahead for Cashback, Travel, 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.
- Card spend plus cash-account rails
- Liquid USD can stay spendable
- Tiers make perks easier to compare
The differences that could change the result
The overall score points one way, but a specific use case or product condition may point another.
- Overall Score
- Gemini Credit69ether.fi Cash86
ether.fi Cash Card has the higher Overall Score by 17 points.
- Entry cost & FX
- Gemini Credit$0 plan · $0 foreign transaction fee; Mastercard exchange rates and credit interest remain separate FXether.fi Cash$0 plan · 0–0.5% FX
Gemini Credit Card has the lower published FX fee ($0 foreign transaction fee; Mastercard exchange rates and credit interest remain separate vs 0–0.5%).
- Purchase rewards
- Gemini Credit1% base · up to 4%ether.fi Cash3% base · up to 4%
ether.fi Cash Card has the higher published base cashback rate (3% vs 1%).
- Funds control
- Gemini CreditCustodial balanceether.fi CashNon-custodial account
Gemini Credit Card uses a custodial balance setup, while ether.fi Cash Card uses a non-custodial account setup. Neither approach is always better, so choose the level of control you are comfortable with.
- Everyday access
- Gemini CreditVirtual + Physical · Apple Pay, Google Payether.fi CashVirtual + Physical · Apple Pay, Google Pay
Both cards list the same number of card formats and phone-wallet options.
- Money movement
- Gemini Credit0 stablecoins · Not modeledether.fi Cash5 stablecoins · Stablecoin transfers; USD ACH, USD Fedwire, EUR SEPA, USD SWIFT +2
ether.fi Cash Card lists more stablecoins and ways to send money out (12 vs 0).
02 · Read the shortlist
A closer look at the two cards
These quick facts cover the costs, rewards and everyday features most likely to shape your choice. Use the full table below when you want the finer details.
- 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%-4%
- Plan cost
- $0
- FX fee
- 0–0.5%
- ATM fee
- Not disclosed
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 18 crypto · 14 fiat
- Payout methods
- 5 crypto · 30 fiat
Partner links may earn us a commission. Read our affiliate disclosure for how these links work.
03 · Compare the details
Compare the details side by side
We highlight a better number only when both cards publish values that can be compared fairly. Anything missing stays clearly marked.
Best known Not disclosed
CardsGemini Credit CardOverall69ether.fi Cash CardOverall86
Gemini Credit CardOverall69ether.fi Cash CardOverall86Scores
6 fields- Overall Score
- Gemini Credit Card69ether.fi Cash Card86
- Cashback score
- Gemini Credit Card60ether.fi Cash Card84
- Travel score
- Gemini Credit Card80ether.fi Cash Card82
- Funds control score
- Gemini Credit Card39ether.fi Cash Card96
- Lowest fees score
- Gemini Credit Card45ether.fi Cash Card65
- Transfers score
- Gemini Credit Card26ether.fi Cash Card100
Strengths & trade-offs
2 fields- Strengths
- Gemini Credit CardNo annual or foreign transaction fee, A 1%-4% crypto reward scheduleether.fi Cash CardCard spend plus cash-account rails, Liquid USD can stay spendable
- Trade-offs
- Gemini Credit CardVariable APR and costly cash advances, Applications are limited to the United Statesether.fi Cash CardVault returns depend on the selected strategy, Borrowing accrues interest immediately
Costs
7 fields- Plan cost
- Gemini Credit Card$0ether.fi Cash Card$0
- FX fee
- Gemini Credit Card$0 foreign transaction fee; Mastercard exchange rates and credit interest remain separateether.fi Cash Card0–0.5%
- Top-up fee
- Gemini Credit CardNot applicable; linked-bank and check routes repay the credit accountether.fi Cash CardNot disclosed
- Card spending fee
- Gemini Credit Card0%ether.fi Cash CardNot disclosed
- ATM fee
- Gemini Credit Card3–29.49%ether.fi Cash CardNot disclosed
- Virtual card
- Gemini Credit CardNot disclosedether.fi Cash CardFirst virtual card normally $0; $10 for AR, AO, BD, BO, CO, EC, ID, MY, MX, NG, PE, PH, ZA and TH under the dedicated fee article. Check the displayed price before order.
- Physical card
- Gemini Credit CardNot disclosedether.fi Cash CardComparison page: Core $60 including shipping; one free physical card on higher tiers. Help pages describe additional-card fees and different included quantities. Confirm the order quote.
Plans
2 fields- Available plans
- Gemini Credit CardNot disclosedether.fi Cash Card4 plans: Core, Luxe, Pinnacle, VIP
- Top cashback plan
- Gemini Credit CardNot disclosedether.fi Cash CardVIP: 4%
Everyday use
8 fields- Network
- Gemini Credit CardMastercardether.fi Cash CardVisa
- Card formats
- Gemini Credit CardVirtual, Physicalether.fi Cash CardVirtual, Physical
- ATM withdrawals
- Gemini Credit CardAvailableether.fi Cash CardAvailable
- Mobile wallets
- Gemini Credit CardApple Pay, Google Payether.fi Cash CardApple Pay, Google Pay
- Apps
- Gemini Credit CardiOS, Android, Webether.fi Cash CardiOS, Android, Web
- Daily spending limit
- Gemini Credit CardApplicant-specific credit limit; no reusable daily purchase limit is publishedether.fi Cash CardEditable defaults: $5,000/day per card; Vault $10,000/day and $10,000/month. Current tier maximum is unconfirmed; the first applicable card, Vault or MCC limit applies.
- Monthly spending limit
- Gemini Credit CardApplicant-specific credit limit; no reusable monthly purchase limit is publishedether.fi Cash CardMonthly limit shown in app; cashback caps vary by plan
- ATM limit
- Gemini Credit Card$1,000 daily and no more than 10% of the total credit limitether.fi Cash CardCore/Luxe/Pinnacle: $1,000 per withdrawal, up to 5 withdrawals and $5,000 per rolling 24 hours. VIP numeric ceiling is unconfirmed.
Funding & transfers
5 fields- Networks
- Gemini Credit CardNot disclosedether.fi Cash CardOptimism, Ethereum, Arbitrum, Base, HyperEVM, BNB Smart Chain +10
- Crypto deposits
- Gemini Credit CardNot disclosedether.fi Cash CardStablecoins: USDC, USDT, EURC, frxUSD, LiquidUSD; Other crypto: beHYPE, eBTC, ETHFI, LiquidBTC, LiquidETH +8
- Fiat deposits
- Gemini Credit CardNot disclosedether.fi Cash CardUSD ACH, USD Fedwire, EUR SEPA, USD SWIFT +10
- Transfers
- Gemini Credit CardNot disclosedether.fi Cash CardStablecoin transfers; USD ACH, USD Fedwire, EUR SEPA, USD SWIFT +2
- Payout currencies
- Gemini Credit CardNot disclosedether.fi Cash CardUSD, EUR, GBP, AED, AUD, BRL, CAD, CHF +22
Rewards
3 fields- Base cashback
- Gemini Credit Card1%ether.fi Cash Card3%
- Max cashback
- Gemini Credit Card4%ether.fi Cash Card4%
- Reward currency
- Gemini Credit CardSelected eligible crypto assetether.fi Cash CardETHFI token cashback
Earn
5 fields- Advertised APY
- Gemini Credit CardUp to 2.1% APYether.fi Cash CardUp to 5.47% APY
- How it works
- Gemini Credit CardOptional earn vaultether.fi Cash CardEarn on spending balance, Borrow against collateral, Optional earn vault
- Separate deposit
- Gemini Credit CardNoether.fi Cash CardNot disclosed
- Use balance for spending
- Gemini Credit CardNoether.fi Cash CardNot disclosed
- Lock-up
- Gemini Credit CardNot disclosedether.fi Cash CardNot disclosed
Trust & availability
7 fields- Custody
- Gemini Credit CardCustodialether.fi Cash CardNon-custodial
- Control until payment
- Gemini Credit CardProvider controls fundsether.fi Cash CardYou keep control
- Card issuer
- Gemini Credit CardWebBankether.fi Cash CardThird National
- Card processing
- Gemini Credit CardGemini Constellation, LLCether.fi Cash CardNot disclosed
- Custody / key management
- Gemini Credit CardGemini Trust Company, LLC / Gemini Moonbase, LLCether.fi Cash CardNot disclosed
- Deposits & withdrawals
- Gemini Credit CardNot disclosedether.fi Cash CardSEPA third-party provider
- Programme operator
- Gemini Credit CardNot disclosedether.fi Cash Cardether.fi, Ether.Fi SEZC
Sources
2 fields- Official sources
- Gemini Credit Card23ether.fi Cash Card37
- Last reviewed
- Gemini Credit CardAug 30, 2026ether.fi Cash CardOct 6, 2026
04 · The takeaway
ether.fi Cash Card is the stronger all-round choice
ether.fi Cash Card finishes ahead with an Overall Score of 86 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 0–0.5%). ether.fi Cash Card has the higher published base cashback rate (3% vs 1%).
Gemini Credit Card can still be the more comfortable choice if its availability, card setup or way of holding funds suits you better. Gemini Credit Card uses a custodial balance setup, while ether.fi Cash Card uses a non-custodial account setup. Neither approach is always better, so choose the level of control you are comfortable with.
ether.fi Cash Card lists more stablecoins and ways to send money out (12 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 ether.fi Cash Card reviews first.
Continue with
Gemini Credit Card
Continue with
ether.fi Cash Card
05 · Common questions
Gemini Credit vs ether.fi Cash FAQ
Is Gemini Credit or ether.fi Cash better overall?
ether.fi Cash Card has the higher Overall Score (86 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 ether.fi Cash?
Gemini Credit Card has the lower published FX fee ($0 foreign transaction fee; Mastercard exchange rates and credit interest remain separate vs 0–0.5%). 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 ether.fi Cash?
ether.fi Cash 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 ether.fi Cash differ on custody?
Gemini Credit Card uses a custodial balance setup, while ether.fi Cash 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 ether.fi Cash comparison?
The latest information check for these two cards was October 6, 2026, using 60 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.