GeminiGemini Credit
74
Side-by-side card comparison
Gemini Credit vs Exa: overall score versus use-case fit
Gemini Credit Card has the higher Overall Score by 8 points (74 vs 66). Gemini Credit Card looks stronger for Cashback and Travel, while Exa Card comes out ahead for Funds control, Lowest fees, and Transfers.
Information checked Aug 30, 202654 official sources reviewed
01 · Overall score versus use-case fit
Gemini Credit Card is the better all-round starting point
Gemini Credit Card has the higher Overall Score in this comparison. Exa Card may be the better fit for Funds control, Lowest fees, and Transfers. 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 Credit74Exa66Higher score
CashbackGemini Credit61Exa19Higher score
TravelGemini Credit82Exa61Higher score
Funds controlGemini Credit57Exa88Higher score
Lowest feesGemini Credit45Exa67Higher score
TransfersGemini Credit92Exa97Higher score
Choose Gemini Credit Card if cashback and travel matter most
Gemini Credit Card comes out ahead for Cashback and 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 Exa Card if funds control and lowest fees matter most
Exa Card comes out ahead for 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.
- Deposited assets can earn yield
- Spend balance or borrow USDC
- Self-custody on Exactly Protocol
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 Credit74Exa66
Gemini Credit Card has the higher Overall Score by 8 points.
- Entry cost & FX
- Gemini Credit$0 plan · $0 foreign transaction fee; Mastercard exchange rates and credit interest remain separate FXExa$0 plan · 1.5% FX
Gemini Credit Card has the lower published FX fee ($0 foreign transaction fee; Mastercard exchange rates and credit interest remain separate vs 1.5%).
- Purchase rewards
- Gemini Credit1% base · up to 4%Exa0% cashback
Gemini Credit Card has the higher published base cashback rate (1% vs 0%).
- Funds control
- Gemini CreditCustodial balanceExaSelf-controlled wallet
Gemini Credit Card uses a custodial balance setup, while Exa 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 PayExaVirtual · Apple Pay, Google Pay
Gemini Credit Card lists more card formats and phone-wallet options (4 vs 3).
- Money movement
- Gemini Credit4 stablecoins · Stablecoin transfers; Gemini USD bank transferExa1 stablecoin · Stablecoin transfers; USD ACH bank payout, USD domestic wire payout, EUR SEPA bank payout
Gemini Credit Card lists more stablecoins and ways to send money out (6 vs 5).
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
- 1 crypto · 1 fiat
- Payout methods
- 1 crypto · 1 fiat
66
- Cashback
- 0%
- Plan cost
- $0
- FX fee
- 1.5%
- ATM fee
- $1 + 0.65%
- Card formats
- Virtual
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 5 crypto · 4 fiat
- Payout methods
- 1 crypto · 2 fiat
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 CardOverall74Exa CardOverall66
Gemini Credit CardOverall74Exa CardOverall66Scores
6 fields- Overall Score
- Gemini Credit Card74Exa Card66
- Cashback score
- Gemini Credit Card61Exa Card19
- Travel score
- Gemini Credit Card82Exa Card61
- Funds control score
- Gemini Credit Card57Exa Card88
- Lowest fees score
- Gemini Credit Card45Exa Card67
- Transfers score
- Gemini Credit Card92Exa Card97
Strengths & trade-offs
2 fields- Strengths
- Gemini Credit CardNo annual or foreign transaction fee, A 1%-4% crypto reward scheduleExa CardDeposited assets can earn yield, Spend balance or borrow USDC
- Trade-offs
- Gemini Credit CardVariable APR and costly cash advances, Applications are limited to the United StatesExa CardHeavy Exactly Protocol dependency, Pay Later needs DeFi literacy
Costs
7 fields- Plan cost
- Gemini Credit Card$0Exa Card$0
- FX fee
- Gemini Credit Card$0 foreign transaction fee; Mastercard exchange rates and credit interest remain separateExa Card1.5%
- Top-up fee
- Gemini Credit CardNot applicable; linked-bank and check routes repay the credit accountExa Card1%
- Card spending fee
- Gemini Credit Card0%Exa CardNot disclosed
- ATM fee
- Gemini Credit Card3–29.49%Exa Card$1 + 0.65%
- Virtual card
- Gemini Credit CardNot disclosedExa CardFree with Exa Wallet
- Physical card
- Gemini Credit CardNot disclosedExa CardNot available
Plans
2 fields- Available plans
- Gemini Credit CardNot disclosedExa CardNot disclosed
- Top cashback plan
- Gemini Credit CardNot disclosedExa CardNot disclosed
Everyday use
8 fields- Network
- Gemini Credit CardMastercardExa CardVisa
- Card formats
- Gemini Credit CardVirtual, PhysicalExa CardVirtual
- ATM withdrawals
- Gemini Credit CardAvailableExa CardAvailable
- Mobile wallets
- Gemini Credit CardApple Pay, Google PayExa CardApple Pay, Google Pay
- Apps
- Gemini Credit CardiOS, Android, WebExa CardiOS, Android, Web
- Daily spending limit
- Gemini Credit CardApplicant-specific credit limit; no reusable daily purchase limit is publishedExa CardDynamic / collateral-based; exact Exa App limit shown in app
- Monthly spending limit
- Gemini Credit CardApplicant-specific credit limit; no reusable monthly purchase limit is publishedExa CardDynamic / collateral-based; exact Exa App limit shown in app
- ATM limit
- Gemini Credit Card$1,000 daily and no more than 10% of the total credit limitExa Card$250/withdrawal; $1000/day
Funding & transfers
5 fields- Networks
- Gemini Credit CardBitcoin, Ethereum, Solana, Arbitrum, Avalanche, Base +2Exa CardOptimism
- Crypto deposits
- Gemini Credit CardOther crypto: Supported Gemini crypto and stablecoinsExa CardStablecoins: USDC; Other crypto: ETH, OP, WBTC, wstETH
- Fiat deposits
- Gemini Credit CardUSD bank transferExa CardUSD ACH deposit, USD wire deposit, EUR SEPA deposit, Local currency deposit
- Transfers
- Gemini Credit CardStablecoin transfers; Gemini USD bank transferExa CardStablecoin transfers; USD ACH bank payout, USD domestic wire payout, EUR SEPA bank payout
- Payout currencies
- Gemini Credit CardUSDExa CardUSD, EUR
Rewards
3 fields- Base cashback
- Gemini Credit Card1%Exa Card0%
- Max cashback
- Gemini Credit Card4%Exa Card0%
- Reward currency
- Gemini Credit CardSelected eligible crypto assetExa CardNo cashback
Earn
5 fields- Advertised APY
- Gemini Credit CardUp to 2.1% APYExa CardUp to 0.99776% APY
- How it works
- Gemini Credit CardOptional earn vaultExa CardEarn on spending balance, Borrow against collateral
- Separate deposit
- Gemini Credit CardNoExa CardNo
- Use balance for spending
- Gemini Credit CardNoExa CardYes
- Lock-up
- Gemini Credit CardNot disclosedExa CardNo
Trust & availability
7 fields- Custody
- Gemini Credit CardCustodialExa CardSelf-custody
- Control until payment
- Gemini Credit CardProvider controls fundsExa CardYou keep control
- Card issuer
- Gemini Credit CardWebBankExa CardThird National Bank, Third National
- Card processing
- Gemini Credit CardGemini Constellation, LLCExa CardExa Labs SAS
- Custody / key management
- Gemini Credit CardGemini Trust Company, LLC / Gemini Moonbase, LLCExa CardNot disclosed
- Deposits & withdrawals
- Gemini Credit CardNot disclosedExa CardBridge, Manteca
- Programme operator
- Gemini Credit CardNot disclosedExa CardExa Labs SAS
Sources
2 fields- Official sources
- Gemini Credit Card23Exa Card31
- Last reviewed
- Gemini Credit CardAug 30, 2026Exa CardAug 23, 2026
04 · The trade-off
Gemini Credit Card is the stronger all-round choice
Gemini Credit Card finishes ahead with an Overall Score of 74 versus 66 for Exa Card. Gemini Credit Card has the lower published FX fee ($0 foreign transaction fee; Mastercard exchange rates and credit interest remain separate vs 1.5%). Gemini Credit Card has the higher published base cashback rate (1% vs 0%).
Exa Card still comes out ahead for Funds control, Lowest fees, and Transfers, 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 Exa Card uses a self-controlled wallet setup. Neither approach is always better, so choose the level of control you are comfortable with.
Gemini Credit Card lists more stablecoins and ways to send money out (6 vs 5). 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 Exa Card reviews first.
Continue with
Gemini Credit Card
Continue with
Exa Card
05 · Common questions
Gemini Credit vs Exa FAQ
Is Gemini Credit or Exa better overall?
Gemini Credit Card has the higher Overall Score (74 vs 66). 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 Exa?
Gemini Credit Card has the lower published FX fee ($0 foreign transaction fee; Mastercard exchange rates and credit interest remain separate vs 1.5%). 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 Exa?
Gemini Credit Card has the higher published base cashback rate (1% vs 0%). 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 Exa differ on custody?
Gemini Credit Card uses a custodial balance setup, while Exa 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 Exa comparison?
The latest information check for these two cards was August 30, 2026, using 54 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.