GeminiGemini Credit
74
Side-by-side card comparison
Gemini Credit vs Plasma One: overall score versus use-case fit
Plasma One Card has the higher Overall Score by 13 points (87 vs 74). Gemini Credit Card looks stronger for Travel, while Plasma One Card comes out ahead for Cashback, Funds control, Lowest fees, and Transfers.
Information checked Aug 30, 202635 official sources reviewed
01 · Overall score versus use-case fit
Plasma One Card is the better all-round starting point
Plasma One Card has the higher Overall Score in this comparison. Gemini Credit Card may be the better fit for 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 Credit74Plasma One87Higher score
CashbackGemini Credit61Plasma One78Higher score
TravelGemini Credit82Plasma One72Higher score
Funds controlGemini Credit57Plasma One99Higher score
Lowest feesGemini Credit45Plasma One80Higher score
TransfersGemini Credit92Plasma One100Higher score
Choose Gemini Credit Card if travel matters most
Gemini Credit Card comes out ahead for 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 Plasma One Card if cashback and funds control matter most
Plasma One Card comes out ahead for Cashback, 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.
- Lite starts with 2% XPL cashback
- Higher tiers add bigger caps and perks
- Earn is separate from card cashback
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 Credit74Plasma One87
Plasma One Card has the higher Overall Score by 13 points.
- Entry cost & FX
- Gemini Credit$0 plan · $0 foreign transaction fee; Mastercard exchange rates and credit interest remain separate FXPlasma One$0 plan · 0–1% FX
Gemini Credit Card has the lower published FX fee ($0 foreign transaction fee; Mastercard exchange rates and credit interest remain separate vs 0–1%).
- Purchase rewards
- Gemini Credit1% base · up to 4%Plasma One2% base · up to 10%
Plasma One Card has the higher published base cashback rate (2% vs 1%).
- Funds control
- Gemini CreditCustodial balancePlasma OneSelf-controlled wallet
Gemini Credit Card uses a custodial balance setup, while Plasma One 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 PayPlasma OneVirtual + 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 transferPlasma One3 stablecoins · Stablecoin transfers; Plasma One usernames; Virtual account withdrawals
Both cards list the same number of stablecoins and ways to send money out.
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
- 2%-10%
- Plan cost
- $0
- FX fee
- 0–1%
- ATM fee
- Not available
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 3 crypto · 4 fiat
- Payout methods
- 3 crypto · 6 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 CardOverall74Plasma One CardOverall87
Gemini Credit CardOverall74Plasma One CardOverall87Scores
6 fields- Overall Score
- Gemini Credit Card74Plasma One Card87
- Cashback score
- Gemini Credit Card61Plasma One Card78
- Travel score
- Gemini Credit Card82Plasma One Card72
- Funds control score
- Gemini Credit Card57Plasma One Card99
- Lowest fees score
- Gemini Credit Card45Plasma One Card80
- Transfers score
- Gemini Credit Card92Plasma One Card100
Strengths & trade-offs
2 fields- Strengths
- Gemini Credit CardNo annual or foreign transaction fee, A 1%-4% crypto reward schedulePlasma One CardLite starts with 2% XPL cashback, Higher tiers add bigger caps and perks
- Trade-offs
- Gemini Credit CardVariable APR and costly cash advances, Applications are limited to the United StatesPlasma One CardPhysical access is limited; no ATM, Cashback is capped by tier
Costs
7 fields- Plan cost
- Gemini Credit Card$0Plasma One Card$0
- FX fee
- Gemini Credit Card$0 foreign transaction fee; Mastercard exchange rates and credit interest remain separatePlasma One Card0–1%
- Top-up fee
- Gemini Credit CardNot applicable; linked-bank and check routes repay the credit accountPlasma One Card0%
- Card spending fee
- Gemini Credit Card0%Plasma One CardNot disclosed
- ATM fee
- Gemini Credit Card3–29.49%Plasma One CardNot available
- Virtual card
- Gemini Credit CardNot disclosedPlasma One CardUp to 3 free virtual cards by tier
- Physical card
- Gemini Credit CardNot disclosedPlasma One CardFirst physical card free in the currently confirmed Core and Platinum flows. Core standard delivery is $20 and express is $50; Platinum standard delivery is free and express is $30. Additional or replacement cards cost $40 for Core and $120 for Platinum.
Plans
2 fields- Available plans
- Gemini Credit CardNot disclosedPlasma One Card3 plans: Lite, Core, Platinum
- Top cashback plan
- Gemini Credit CardNot disclosedPlasma One CardPlatinum: 4%
Everyday use
8 fields- Network
- Gemini Credit CardMastercardPlasma One CardVisa
- Card formats
- Gemini Credit CardVirtual, PhysicalPlasma One CardVirtual, Physical
- ATM withdrawals
- Gemini Credit CardAvailablePlasma One CardNot available
- Mobile wallets
- Gemini Credit CardApple Pay, Google PayPlasma One CardApple Pay, Google Pay
- Apps
- Gemini Credit CardiOS, Android, WebPlasma One CardiOS, Android
- Daily spending limit
- Gemini Credit CardApplicant-specific credit limit; no reusable daily purchase limit is publishedPlasma One CardShown in app
- Monthly spending limit
- Gemini Credit CardApplicant-specific credit limit; no reusable monthly purchase limit is publishedPlasma One CardShown in app
- ATM limit
- Gemini Credit Card$1,000 daily and no more than 10% of the total credit limitPlasma One CardNot available, including for physical cards
Funding & transfers
5 fields- Networks
- Gemini Credit CardBitcoin, Ethereum, Solana, Arbitrum, Avalanche, Base +2Plasma One CardPlasma, Ethereum, Solana, Tron, Polygon, Arbitrum +5
- Crypto deposits
- Gemini Credit CardOther crypto: Supported Gemini crypto and stablecoinsPlasma One CardStablecoins: USDT, USDC, USDG
- Fiat deposits
- Gemini Credit CardUSD bank transferPlasma One CardUSD virtual account, EUR / GBP virtual accounts, MXN / BRL local transfers, COP virtual account
- Transfers
- Gemini Credit CardStablecoin transfers; Gemini USD bank transferPlasma One CardStablecoin transfers; Plasma One usernames; Virtual account withdrawals
- Payout currencies
- Gemini Credit CardUSDPlasma One CardUSD, EUR, GBP, MXN, BRL, COP
Rewards
3 fields- Base cashback
- Gemini Credit Card1%Plasma One Card2%
- Max cashback
- Gemini Credit Card4%Plasma One Card10%
- Reward currency
- Gemini Credit CardSelected eligible crypto assetPlasma One CardUSD cashback paid in XPL
Earn
5 fields- Advertised APY
- Gemini Credit CardUp to 2.1% APYPlasma One CardUp to 5% APY
- How it works
- Gemini Credit CardOptional earn vaultPlasma One CardOptional earn vault
- Separate deposit
- Gemini Credit CardNoPlasma One CardYes
- Use balance for spending
- Gemini Credit CardNoPlasma One CardNo
- Lock-up
- Gemini Credit CardNot disclosedPlasma One CardNo
Trust & availability
7 fields- Custody
- Gemini Credit CardCustodialPlasma One CardSelf-custody
- Control until payment
- Gemini Credit CardProvider controls fundsPlasma One CardYou keep control
- Card issuer
- Gemini Credit CardWebBankPlasma One CardRain, Third National
- Card processing
- Gemini Credit CardGemini Constellation, LLCPlasma One Card0x
- Custody / key management
- Gemini Credit CardGemini Trust Company, LLC / Gemini Moonbase, LLCPlasma One CardPrivy, Veda
- Deposits & withdrawals
- Gemini Credit CardNot disclosedPlasma One CardBridge, Bridge Ventures LLC
- Programme operator
- Gemini Credit CardNot disclosedPlasma One CardPlasma
Sources
2 fields- Official sources
- Gemini Credit Card23Plasma One Card12
- Last reviewed
- Gemini Credit CardAug 30, 2026Plasma One CardAug 27, 2026
04 · The trade-off
Plasma One Card is the stronger all-round choice
Plasma One Card finishes ahead with an Overall Score of 87 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 0–1%). Plasma One Card has the higher published base cashback rate (2% vs 1%).
Gemini Credit Card still comes out ahead for Travel, 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 Plasma One Card uses a self-controlled wallet setup. Neither approach is always better, so choose the level of control you are comfortable with.
Both cards list the same number of stablecoins and ways to send money out. 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 Plasma One Card reviews first.
Continue with
Gemini Credit Card
Continue with
Plasma One Card
05 · Common questions
Gemini Credit vs Plasma One FAQ
Is Gemini Credit or Plasma One better overall?
Plasma One Card has the higher Overall Score (87 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 Plasma One?
Gemini Credit Card has the lower published FX fee ($0 foreign transaction fee; Mastercard exchange rates and credit interest remain separate vs 0–1%). 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 Plasma One?
Plasma One Card has the higher published base cashback rate (2% 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 Plasma One differ on custody?
Gemini Credit Card uses a custodial balance setup, while Plasma One 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 Plasma One comparison?
The latest information check for these two cards was August 30, 2026, using 35 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.