GeminiGemini Credit
74
Side-by-side card comparison
Gemini Credit vs Holyheld: overall score versus use-case fit
Holyheld Card has the higher Overall Score by 1 point (75 vs 74). Gemini Credit Card looks stronger for Travel and Transfers, while Holyheld Card comes out ahead for Cashback, Funds control, and Lowest fees.
Information checked Aug 31, 202651 official sources reviewed
01 · Overall score versus use-case fit
Holyheld Card is the better all-round starting point
Holyheld Card has the higher Overall Score in this comparison. Gemini Credit Card may be the better fit for Travel 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 Credit74Holyheld75Higher score
CashbackGemini Credit61Holyheld64Higher score
TravelGemini Credit82Holyheld68Higher score
Funds controlGemini Credit57Holyheld74Higher score
Lowest feesGemini Credit45Holyheld67Higher score
TransfersGemini Credit92Holyheld81Higher score
Choose Gemini Credit Card if travel and transfers matter most
Gemini Credit Card comes out ahead for Travel and Transfers 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 Holyheld Card if cashback and funds control matter most
Holyheld Card comes out ahead for Cashback, Funds control, and Lowest fees in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Self-custody crypto before card top-up
- Virtual, physical and metal Mastercard
- Personal IBAN and SEPA transfers
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 Credit74Holyheld75
Holyheld Card has the higher Overall Score by 1 points.
- Entry cost & FX
- Gemini Credit$0 plan · $0 foreign transaction fee; Mastercard exchange rates and credit interest remain separate FXHolyheld$0 plan · Up to 5.5% + EUR 1; actual pricing depends on transaction geography and currency FX
Gemini Credit Card has the lower published FX fee ($0 foreign transaction fee; Mastercard exchange rates and credit interest remain separate vs Up to 5.5% + EUR 1; actual pricing depends on transaction geography and currency).
- Purchase rewards
- Gemini Credit1% base · up to 4%Holyheld0.5% base · up to 1%
Gemini Credit Card has the higher published base cashback rate (1% vs 0.5%).
- Funds control
- Gemini CreditCustodial balanceHolyheldHybrid custody
Gemini Credit Card uses a custodial balance setup, while Holyheld Card uses a hybrid custody setup. Neither approach is always better, so choose the level of control you are comfortable with.
- Everyday access
- Gemini CreditVirtual + Physical · Apple Pay, Google PayHolyheldVirtual + Physical · Apple Pay, Google Pay
Both cards list the same number of card formats and phone-wallet options.
- Money movement
- Gemini Credit4 stablecoins · Stablecoin transfers; Gemini USD bank transferHolyheld2 stablecoins · Stablecoin transfers; Outgoing SEPA transfer
Gemini Credit Card lists more stablecoins and ways to send money out (6 vs 4).
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
- Cashback
- 0.5%-1%
- Plan cost
- $0
- FX fee
- Up to 5.5% + EUR 1; actual pricing depends on transaction geography and currency
- ATM fee
- Up to EUR 2 + 2.5%
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 2 crypto · 1 fiat
- Payout methods
- 3 crypto · 1 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 CardOverall74Holyheld CardOverall75
Gemini Credit CardOverall74Holyheld CardOverall75Scores
6 fields- Overall Score
- Gemini Credit Card74Holyheld Card75
- Cashback score
- Gemini Credit Card61Holyheld Card64
- Travel score
- Gemini Credit Card82Holyheld Card68
- Funds control score
- Gemini Credit Card57Holyheld Card74
- Lowest fees score
- Gemini Credit Card45Holyheld Card67
- Transfers score
- Gemini Credit Card92Holyheld Card81
Strengths & trade-offs
2 fields- Strengths
- Gemini Credit CardNo annual or foreign transaction fee, A 1%-4% crypto reward scheduleHolyheld CardSelf-custody crypto before card top-up, Virtual, physical and metal Mastercard
- Trade-offs
- Gemini Credit CardVariable APR and costly cash advances, Applications are limited to the United StatesHolyheld CardCountry eligibility is incomplete, Foreign spend can be expensive
Costs
7 fields- Plan cost
- Gemini Credit Card$0Holyheld Card$0
- FX fee
- Gemini Credit Card$0 foreign transaction fee; Mastercard exchange rates and credit interest remain separateHolyheld CardUp to 5.5% + EUR 1; actual pricing depends on transaction geography and currency
- Top-up fee
- Gemini Credit CardNot applicable; linked-bank and check routes repay the credit accountHolyheld Card0%
- Card spending fee
- Gemini Credit Card0%Holyheld Card€0.50
- ATM fee
- Gemini Credit Card3–29.49%Holyheld CardUp to EUR 2 + 2.5%
- Virtual card
- Gemini Credit CardNot disclosedHolyheld CardLimited Edition virtual card: EUR 99; Classic includes virtual access
- Physical card
- Gemini Credit CardNot disclosedHolyheld CardClassic: EUR 29; Metal: EUR 199
Plans
2 fields- Available plans
- Gemini Credit CardNot disclosedHolyheld Card3 plans: Classic, Limited Edition, Metal
- Top cashback plan
- Gemini Credit CardNot disclosedHolyheld CardMetal: 1%
Everyday use
8 fields- Network
- Gemini Credit CardMastercardHolyheld CardMastercard
- Card formats
- Gemini Credit CardVirtual, PhysicalHolyheld CardVirtual, Physical
- ATM withdrawals
- Gemini Credit CardAvailableHolyheld CardAvailable
- Mobile wallets
- Gemini Credit CardApple Pay, Google PayHolyheld CardApple Pay, Google Pay
- Apps
- Gemini Credit CardiOS, Android, WebHolyheld CardiOS, Android, Web
- Daily spending limit
- Gemini Credit CardApplicant-specific credit limit; no reusable daily purchase limit is publishedHolyheld CardEUR 10,000 daily
- Monthly spending limit
- Gemini Credit CardApplicant-specific credit limit; no reusable monthly purchase limit is publishedHolyheld CardEUR 25,000 monthly; EUR 250,000 annually
- ATM limit
- Gemini Credit Card$1,000 daily and no more than 10% of the total credit limitHolyheld CardEUR 1,000 per 24 hours; EUR 5,000 per 30 days
Funding & transfers
5 fields- Networks
- Gemini Credit CardBitcoin, Ethereum, Solana, Arbitrum, Avalanche, Base +2Holyheld CardEthereum, Arbitrum, Base, Optimism, Polygon, Gnosis +2
- Crypto deposits
- Gemini Credit CardOther crypto: Supported Gemini crypto and stablecoinsHolyheld CardStablecoins: USDC, USDT
- Fiat deposits
- Gemini Credit CardUSD bank transferHolyheld CardPersonal EUR IBAN
- Transfers
- Gemini Credit CardStablecoin transfers; Gemini USD bank transferHolyheld CardStablecoin transfers; Outgoing SEPA transfer
- Payout currencies
- Gemini Credit CardUSDHolyheld CardEUR
Rewards
3 fields- Base cashback
- Gemini Credit Card1%Holyheld Card0.5%
- Max cashback
- Gemini Credit Card4%Holyheld Card1%
- Reward currency
- Gemini Credit CardSelected eligible crypto assetHolyheld CardUSDC
Earn
5 fields- Advertised APY
- Gemini Credit CardUp to 2.1% APYHolyheld CardNot disclosed
- How it works
- Gemini Credit CardOptional earn vaultHolyheld CardOptional earn vault
- Separate deposit
- Gemini Credit CardNoHolyheld CardYes
- Use balance for spending
- Gemini Credit CardNoHolyheld CardNot disclosed
- Lock-up
- Gemini Credit CardNot disclosedHolyheld CardNo
Trust & availability
7 fields- Custody
- Gemini Credit CardCustodialHolyheld CardHybrid custody
- Control until payment
- Gemini Credit CardProvider controls fundsHolyheld CardProvider controls funds
- Card issuer
- Gemini Credit CardWebBankHolyheld CardUnlimit EU Ltd
- Card processing
- Gemini Credit CardGemini Constellation, LLCHolyheld CardNot disclosed
- Custody / key management
- Gemini Credit CardGemini Trust Company, LLC / Gemini Moonbase, LLCHolyheld CardNot disclosed
- Identity verification
- Gemini Credit CardNot disclosedHolyheld CardSumsub / Idenfy
- Programme operator
- Gemini Credit CardNot disclosedHolyheld CardHolyheld Labs AG
Sources
2 fields- Official sources
- Gemini Credit Card23Holyheld Card28
- Last reviewed
- Gemini Credit CardAug 30, 2026Holyheld CardAug 31, 2026
04 · The trade-off
Holyheld Card is the stronger all-round choice
Holyheld Card finishes ahead with an Overall Score of 75 versus 74 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 Up to 5.5% + EUR 1; actual pricing depends on transaction geography and currency). Gemini Credit Card has the higher published base cashback rate (1% vs 0.5%).
Gemini Credit Card still comes out ahead for Travel 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 Holyheld Card uses a hybrid custody 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 4). 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 Holyheld Card reviews first.
Continue with
Gemini Credit Card
Continue with
Holyheld Card
05 · Common questions
Gemini Credit vs Holyheld FAQ
Is Gemini Credit or Holyheld better overall?
Holyheld Card has the higher Overall Score (75 vs 74). 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 Holyheld?
Gemini Credit Card has the lower published FX fee ($0 foreign transaction fee; Mastercard exchange rates and credit interest remain separate vs Up to 5.5% + EUR 1; actual pricing depends on transaction geography and currency). 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 Holyheld?
Gemini Credit Card has the higher published base cashback rate (1% vs 0.5%). 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 Holyheld differ on custody?
Gemini Credit Card uses a custodial balance setup, while Holyheld Card uses a hybrid custody setup. Neither approach is always better, so choose the level of control you are comfortable with.
How current is this Gemini Credit vs Holyheld comparison?
The latest information check for these two cards was August 31, 2026, using 51 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.