GeminiGemini Credit
69
Side-by-side card comparison
Gemini Credit vs Kolo: overall score versus use-case fit
Kolo Card has the higher Overall Score by 4 points (73 vs 69). Gemini Credit Card looks stronger for Cashback and Travel, while Kolo Card comes out ahead for Funds control, Lowest fees, and Transfers.
Information checked Aug 30, 202651 official sources reviewed
01 · Overall score versus use-case fit
Kolo Card is the better all-round starting point
Kolo Card has the higher Overall Score in this comparison. Gemini Credit Card may be the better fit for Cashback and Travel. 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 Credit69Kolo73Higher score
CashbackGemini Credit60Kolo54Higher score
TravelGemini Credit80Kolo70Higher score
Funds controlGemini Credit39Kolo56Higher score
Lowest feesGemini Credit45Kolo83Higher score
TransfersGemini Credit26Kolo92Higher 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 Kolo Card if funds control and lowest fees matter most
Kolo 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.
- Free virtual Visa Platinum
- 2% BTC cashback for 30 days
- Several withdrawal routes
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 Credit69Kolo73
Kolo Card has the higher Overall Score by 4 points.
- Entry cost & FX
- Gemini Credit$0 plan · $0 foreign transaction fee; Mastercard exchange rates and credit interest remain separate FXKolo$0 plan · 1% FX
Gemini Credit Card has the lower published FX fee ($0 foreign transaction fee; Mastercard exchange rates and credit interest remain separate vs 1%).
- Purchase rewards
- Gemini Credit1% base · up to 4%Kolo1% base · up to 2%
Both cards show the same base cashback rate of 1%.
- Funds control
- Gemini CreditCustodial balanceKoloCustodial balance
Gemini Credit Card and Kolo Card use the same custodial balance setup.
- Everyday access
- Gemini CreditVirtual + Physical · Apple Pay, Google PayKoloVirtual · Apple Pay, Google Pay
Gemini Credit Card lists more card formats and phone-wallet options (4 vs 3).
- Money movement
- Gemini Credit0 stablecoins · Not modeledKolo5 stablecoins · Stablecoin transfers; Kolo user transfers, Transfers between your Kolo wallets; Withdraw to an eligible card, EUR SEPA withdrawal
Kolo Card lists more stablecoins and ways to send money out (10 vs 0).
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
- 0 crypto · 0 fiat
- Payout methods
- 0 crypto · 0 fiat
- Cashback
- 1%-2%
- Plan cost
- $0
- FX fee
- 1%
- ATM fee
- $1 + 0.65%
- Card formats
- Virtual
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 20 crypto · 0 fiat
- Payout methods
- 20 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 CardOverall69Kolo CardOverall73
Gemini Credit CardOverall69Kolo CardOverall73Scores
6 fields- Overall Score
- Gemini Credit Card69Kolo Card73
- Cashback score
- Gemini Credit Card60Kolo Card54
- Travel score
- Gemini Credit Card80Kolo Card70
- Funds control score
- Gemini Credit Card39Kolo Card56
- Lowest fees score
- Gemini Credit Card45Kolo Card83
- Transfers score
- Gemini Credit Card26Kolo Card92
Strengths & trade-offs
2 fields- Strengths
- Gemini Credit CardNo annual or foreign transaction fee, A 1%-4% crypto reward scheduleKolo CardFree virtual Visa Platinum, 2% BTC cashback for 30 days
- Trade-offs
- Gemini Credit CardVariable APR and costly cash advances, Applications are limited to the United StatesKolo CardConversion and FX fees can stack, Card spending uses a custodial wallet
Costs
7 fields- Plan cost
- Gemini Credit Card$0Kolo Card$0
- FX fee
- Gemini Credit Card$0 foreign transaction fee; Mastercard exchange rates and credit interest remain separateKolo Card1%
- Top-up fee
- Gemini Credit CardNot applicable; linked-bank and check routes repay the credit accountKolo Card0%
- Card spending fee
- Gemini Credit Card0%Kolo CardNot disclosed
- ATM fee
- Gemini Credit Card3–29.49%Kolo Card$1 + 0.65%
- Virtual card
- Gemini Credit CardNot disclosedKolo CardFree
- Physical card
- Gemini Credit CardNot disclosedKolo CardPlanned for Q3 2026; not currently available
Plans
2 fields- Available plans
- Gemini Credit CardNot disclosedKolo CardNot disclosed
- Top cashback plan
- Gemini Credit CardNot disclosedKolo CardNot disclosed
Everyday use
8 fields- Network
- Gemini Credit CardMastercardKolo CardVisa
- Card formats
- Gemini Credit CardVirtual, PhysicalKolo CardVirtual
- ATM withdrawals
- Gemini Credit CardAvailableKolo CardAvailable
- Mobile wallets
- Gemini Credit CardApple Pay, Google PayKolo CardApple Pay, Google Pay
- Apps
- Gemini Credit CardiOS, Android, WebKolo CardiOS, Android
- Daily spending limit
- Gemini Credit CardApplicant-specific credit limit; no reusable daily purchase limit is publishedKolo Card$9,000/day
- Monthly spending limit
- Gemini Credit CardApplicant-specific credit limit; no reusable monthly purchase limit is publishedKolo Card$9,000/month
- ATM limit
- Gemini Credit Card$1,000 daily and no more than 10% of the total credit limitKolo Card$500/withdrawal; 3 withdrawals/24h
Funding & transfers
5 fields- Networks
- Gemini Credit CardNot disclosedKolo CardNot disclosed
- Crypto deposits
- Gemini Credit CardNot disclosedKolo CardStablecoins: USDT, USDC, DAI, EURC, EURI; Other crypto: BTC, ETH, SOL, BNB, LTC +10
- Fiat deposits
- Gemini Credit CardNot disclosedKolo CardNot disclosed
- Transfers
- Gemini Credit CardNot disclosedKolo CardStablecoin transfers; Kolo user transfers, Transfers between your Kolo wallets; Withdraw to an eligible card, EUR SEPA withdrawal
- Payout currencies
- Gemini Credit CardNot disclosedKolo CardEUR
Rewards
3 fields- Base cashback
- Gemini Credit Card1%Kolo Card1%
- Max cashback
- Gemini Credit Card4%Kolo Card2%
- Reward currency
- Gemini Credit CardSelected eligible crypto assetKolo CardBTC cashback
Earn
5 fields- Advertised APY
- Gemini Credit CardUp to 2.1% APYKolo CardNot offered
- How it works
- Gemini Credit CardOptional earn vaultKolo CardNot offered
- Separate deposit
- Gemini Credit CardNoKolo CardNot offered
- Use balance for spending
- Gemini Credit CardNoKolo CardNot offered
- Lock-up
- Gemini Credit CardNot disclosedKolo CardNot offered
Trust & availability
7 fields- Custody
- Gemini Credit CardCustodialKolo CardCustodial
- Control until payment
- Gemini Credit CardProvider controls fundsKolo CardProvider controls funds
- Card issuer
- Gemini Credit CardWebBankKolo CardBanco Popular de Puerto Rico, Wirex Limited
- Card processing
- Gemini Credit CardGemini Constellation, LLCKolo CardNot disclosed
- Custody / key management
- Gemini Credit CardGemini Trust Company, LLC / Gemini Moonbase, LLCKolo CardNot disclosed
- Identity verification
- Gemini Credit CardNot disclosedKolo CardSumSub
- Programme operator
- Gemini Credit CardNot disclosedKolo CardHardline Holding Limited
Sources
2 fields- Official sources
- Gemini Credit Card23Kolo Card28
- Last reviewed
- Gemini Credit CardAug 30, 2026Kolo CardAug 28, 2026
04 · The trade-off
Kolo Card is the stronger all-round choice
Kolo Card finishes ahead with an Overall Score of 73 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 1%). Both cards show the same base cashback rate of 1%.
Gemini Credit Card still comes out ahead for Cashback and Travel, which may matter more than the overall result if that is how you plan to use the card. Gemini Credit Card and Kolo Card use the same custodial balance setup.
Kolo Card lists more stablecoins and ways to send money out (10 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 Kolo Card reviews first.
Continue with
Gemini Credit Card
Continue with
Kolo Card
05 · Common questions
Gemini Credit vs Kolo FAQ
Is Gemini Credit or Kolo better overall?
Kolo Card has the higher Overall Score (73 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 Kolo?
Gemini Credit Card has the lower published FX fee ($0 foreign transaction fee; Mastercard exchange rates and credit interest remain separate vs 1%). 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 Kolo?
Both cards show the same base cashback rate of 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 Kolo differ on custody?
Gemini Credit Card and Kolo Card use the same custodial balance setup.
How current is this Gemini Credit vs Kolo comparison?
The latest information check for these two cards was August 30, 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.