GeminiGemini Credit
74
Side-by-side card comparison
Gemini Credit vs Fuse: same score, different trade-offs
Gemini Credit Card and Fuse Card share an Overall Score of 74. Gemini Credit Card looks stronger for Cashback and Travel, while Fuse Card comes out ahead for Funds control, Lowest fees, and Transfers.
Information checked Aug 30, 202638 official sources reviewed
01 · A level score
The scores are tied, but the cards are not the same
Gemini Credit Card and Fuse Card have the same Overall Score. Start with what matters most to you: day-to-day costs, rewards, control of your funds or moving money. The sections below show how they differ. You should also check that your preferred card is available in your country.
OverallGemini Credit74Fuse74Same score
CashbackGemini Credit61Fuse25Higher score
TravelGemini Credit82Fuse65Higher score
Funds controlGemini Credit57Fuse91Higher score
Lowest feesGemini Credit45Fuse93Higher score
TransfersGemini Credit92Fuse97Higher 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 Fuse Card if funds control and lowest fees matter most
Fuse 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.
- Separate USDC Card Account
- Apple Pay for in-person spend
- USD and EUR receive rails
Where the cards part company
A tied score can hide meaningful differences in cost, custody, rewards and everyday access.
- Overall Score
- Gemini Credit74Fuse74
Both cards have the same displayed Overall Score of 74.
- Entry cost & FX
- Gemini Credit$0 plan · $0 foreign transaction fee; Mastercard exchange rates and credit interest remain separate FXFuse$0 plan · 0% FX
The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option.
- Purchase rewards
- Gemini Credit1% base · up to 4%Fuse0% cashback
Gemini Credit Card has the higher published base cashback rate (1% vs 0%).
- Funds control
- Gemini CreditCustodial balanceFuseSelf-controlled wallet
Gemini Credit Card uses a custodial balance setup, while Fuse 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 PayFuseVirtual · Apple Pay
Gemini Credit Card lists more card formats and phone-wallet options (4 vs 2).
- Money movement
- Gemini Credit4 stablecoins · Stablecoin transfers; Gemini USD bank transferFuse1 stablecoin · Stablecoin transfers; ACH / SEPA bank transfers
Gemini Credit Card lists more stablecoins and ways to send money out (6 vs 3).
02 · Read the shortlist
A closer look at the tie
The score is level. These quick facts show where the cards still ask you to make a choice.
- 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
- Cashback
- 0%
- Plan cost
- $0
- FX fee
- 0%
- ATM fee
- Not available
- Card formats
- Virtual
- Wallet payments
- Apple Pay
- Receive methods
- 3 crypto · 2 fiat
- Payout methods
- 1 crypto · 2 fiat
03 · Compare the details
Put 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 CardOverall74Fuse CardOverall74
Gemini Credit CardOverall74Fuse CardOverall74Scores
6 fields- Overall Score
- Gemini Credit Card74Fuse Card74
- Cashback score
- Gemini Credit Card61Fuse Card25
- Travel score
- Gemini Credit Card82Fuse Card65
- Funds control score
- Gemini Credit Card57Fuse Card91
- Lowest fees score
- Gemini Credit Card45Fuse Card93
- Transfers score
- Gemini Credit Card92Fuse Card97
Strengths & trade-offs
2 fields- Strengths
- Gemini Credit CardNo annual or foreign transaction fee, A 1%-4% crypto reward scheduleFuse CardSeparate USDC Card Account, Apple Pay for in-person spend
- Trade-offs
- Gemini Credit CardVariable APR and costly cash advances, Applications are limited to the United StatesFuse CardiOS and virtual-only access, Receive rails convert incoming fiat
Costs
7 fields- Plan cost
- Gemini Credit Card$0Fuse Card$0
- FX fee
- Gemini Credit Card$0 foreign transaction fee; Mastercard exchange rates and credit interest remain separateFuse Card0%
- Top-up fee
- Gemini Credit CardNot applicable; linked-bank and check routes repay the credit accountFuse Card0%
- Card spending fee
- Gemini Credit Card0%Fuse Card0%
- ATM fee
- Gemini Credit Card3–29.49%Fuse CardNot available
- Virtual card
- Gemini Credit CardNot disclosedFuse CardVirtual card purchase $0 after Bridge KYC
- Physical card
- Gemini Credit CardNot disclosedFuse CardNot available in captured Fuse support page
Plans
2 fields- Available plans
- Gemini Credit CardNot disclosedFuse Card1 plans: Fuse Plus
- Top cashback plan
- Gemini Credit CardNot disclosedFuse CardNot disclosed
Everyday use
8 fields- Network
- Gemini Credit CardMastercardFuse CardVisa
- Card formats
- Gemini Credit CardVirtual, PhysicalFuse CardVirtual
- ATM withdrawals
- Gemini Credit CardAvailableFuse CardNot available
- Mobile wallets
- Gemini Credit CardApple Pay, Google PayFuse CardApple Pay
- Apps
- Gemini Credit CardiOS, Android, WebFuse CardiOS
- Daily spending limit
- Gemini Credit CardApplicant-specific credit limit; no reusable daily purchase limit is publishedFuse Card$2,000/day; $2,000/transaction
- Monthly spending limit
- Gemini Credit CardApplicant-specific credit limit; no reusable monthly purchase limit is publishedFuse CardMonthly cap not disclosed; daily and transaction caps are approved
- ATM limit
- Gemini Credit Card$1,000 daily and no more than 10% of the total credit limitFuse CardNot available
Funding & transfers
5 fields- Networks
- Gemini Credit CardBitcoin, Ethereum, Solana, Arbitrum, Avalanche, Base +2Fuse CardSolana
- Crypto deposits
- Gemini Credit CardOther crypto: Supported Gemini crypto and stablecoinsFuse CardStablecoins: USDC; Other crypto: SOL, SPL tokens
- Fiat deposits
- Gemini Credit CardUSD bank transferFuse CardUSD virtual bank account, EUR virtual bank account
- Transfers
- Gemini Credit CardStablecoin transfers; Gemini USD bank transferFuse CardStablecoin transfers; ACH / SEPA bank transfers
- Payout currencies
- Gemini Credit CardUSDFuse CardUSD, EUR
Rewards
3 fields- Base cashback
- Gemini Credit Card1%Fuse Card0%
- Max cashback
- Gemini Credit Card4%Fuse Card0%
- Reward currency
- Gemini Credit CardSelected eligible crypto assetFuse CardNo cashback
Earn
5 fields- Advertised APY
- Gemini Credit CardUp to 2.1% APYFuse CardNot disclosed
- How it works
- Gemini Credit CardOptional earn vaultFuse CardOptional earn vault
- Separate deposit
- Gemini Credit CardNoFuse CardYes
- Use balance for spending
- Gemini Credit CardNoFuse CardNo
- Lock-up
- Gemini Credit CardNot disclosedFuse CardNot disclosed
Trust & availability
6 fields- Custody
- Gemini Credit CardCustodialFuse CardSelf-custody
- Control until payment
- Gemini Credit CardProvider controls fundsFuse CardYou keep control
- Card issuer
- Gemini Credit CardWebBankFuse CardLead Bank
- Card processing
- Gemini Credit CardGemini Constellation, LLCFuse CardBridge Ventures LLC, Squads Labs
- Custody / key management
- Gemini Credit CardGemini Trust Company, LLC / Gemini Moonbase, LLCFuse CardNot disclosed
- Programme operator
- Gemini Credit CardNot disclosedFuse CardBridge Ventures LLC
Sources
2 fields- Official sources
- Gemini Credit Card23Fuse Card15
- Last reviewed
- Gemini Credit CardAug 30, 2026Fuse CardAug 29, 2026
04 · The closer call
Gemini Credit Card and Fuse Card need a closer personal call
The Overall Score ends level at 74, so there is no honest all-round winner here. The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option. Gemini Credit Card has the higher published base cashback rate (1% vs 0%).
Gemini Credit Card looks stronger for Cashback and Travel, while Fuse Card comes out ahead for Funds control, Lowest fees, and Transfers. Gemini Credit Card uses a custodial balance setup, while Fuse 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 3). Your final check should be whether the card is available where you live and whether the latest provider terms match the features you expect to use.
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 Fuse Card reviews first.
Continue with
Gemini Credit Card
Continue with
Fuse Card
05 · Common questions
Gemini Credit vs Fuse FAQ
Is Gemini Credit or Fuse better overall?
Gemini Credit Card and Fuse Card tie at 74 in the Overall Score. Compare their costs, rewards, way of holding funds and everyday features to decide which suits you.
Which has lower fees, Gemini Credit or Fuse?
The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option. 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 Fuse?
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 Fuse differ on custody?
Gemini Credit Card uses a custodial balance setup, while Fuse 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 Fuse comparison?
The latest information check for these two cards was August 30, 2026, using 38 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.