GeminiGemini Credit
74
Side-by-side card comparison
Gemini Credit vs Solid: overall score versus use-case fit
Solid Card has the higher Overall Score by 15 points (89 vs 74). Gemini Credit Card looks stronger for Travel and Transfers, while Solid Card comes out ahead for Cashback, Funds control, and Lowest fees.
Information checked Aug 30, 202643 official sources reviewed
01 · Overall score versus use-case fit
Solid Card is the better all-round starting point
Solid 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 Credit74Solid89Higher score
CashbackGemini Credit61Solid91Higher score
TravelGemini Credit82Solid62Higher score
Funds controlGemini Credit57Solid97Higher score
Lowest feesGemini Credit45Solid89Higher score
TransfersGemini Credit92Solid83Higher 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 Solid Card if cashback and funds control matter most
Solid 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.
- Savings can stay productive while spending
- Up to 50% on eligible AI subscriptions
- Eligible ACH/wire receive details
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 Credit74Solid89
Solid Card has the higher Overall Score by 15 points.
- Entry cost & FX
- Gemini Credit$0 plan · $0 foreign transaction fee; Mastercard exchange rates and credit interest remain separate FXSolid$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%Solid3% base · up to 5%
Solid Card has the higher published base cashback rate (3% vs 1%).
- Funds control
- Gemini CreditCustodial balanceSolidSelf-controlled wallet
Gemini Credit Card uses a custodial balance setup, while Solid 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 PaySolidVirtual · 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 transferSolid3 stablecoins · Stablecoin transfers
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
- 3%-5%
- Plan cost
- $0
- FX fee
- 1%
- ATM fee
- Not available
- Card formats
- Virtual
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 9 crypto · 1 fiat
- Payout methods
- 3 crypto · 0 fiat
Current signup offers
Signup value available today
A welcome offer can improve the value of your first months with a card. Check the eligibility rules, qualifying actions and deadline first. Signup offers are excluded from card scores.
Gemini Credit Card
No active signup offer listed
We do not currently list an active signup offer for this card.
Solid Card
Get $15
$15 new-user bonus after qualifying card spend
- Activate the Solid Card.
- Complete $75 of card spend.
Solid Card promo code15QRE
Solid may change or end the referral programme; check the current Rewards Terms before signing up.
Partner links may earn us a commission. Read our affiliate disclosure for how these links work.
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 CardOverall74Solid CardOverall89
Gemini Credit CardOverall74Solid CardOverall89Scores
6 fields- Overall Score
- Gemini Credit Card74Solid Card89
- Cashback score
- Gemini Credit Card61Solid Card91
- Travel score
- Gemini Credit Card82Solid Card62
- Funds control score
- Gemini Credit Card57Solid Card97
- Lowest fees score
- Gemini Credit Card45Solid Card89
- Transfers score
- Gemini Credit Card92Solid Card83
Strengths & trade-offs
2 fields- Strengths
- Gemini Credit CardNo annual or foreign transaction fee, A 1%-4% crypto reward scheduleSolid CardSavings can stay productive while spending, Up to 50% on eligible AI subscriptions
- Trade-offs
- Gemini Credit CardVariable APR and costly cash advances, Applications are limited to the United StatesSolid CardThe best rates require millions of points, ATM availability is still being checked
Costs
7 fields- Plan cost
- Gemini Credit Card$0Solid Card$0
- FX fee
- Gemini Credit Card$0 foreign transaction fee; Mastercard exchange rates and credit interest remain separateSolid Card1%
- Top-up fee
- Gemini Credit CardNot applicable; linked-bank and check routes repay the credit accountSolid Card0%
- Card spending fee
- Gemini Credit Card0%Solid Card0%
- ATM fee
- Gemini Credit Card3–29.49%Solid CardNot available
- Virtual card
- Gemini Credit CardNot disclosedSolid CardVirtual Visa in app after KYC; activation requires at least $10 in Wallet or Savings
- Physical card
- Gemini Credit CardNot disclosedSolid CardPhysical card not listed
Plans
2 fields- Available plans
- Gemini Credit CardNot disclosedSolid Card3 plans: Core, Prime, Ultra
- Top cashback plan
- Gemini Credit CardNot disclosedSolid CardUltra: 5%
Everyday use
8 fields- Network
- Gemini Credit CardMastercardSolid CardVisa
- Card formats
- Gemini Credit CardVirtual, PhysicalSolid CardVirtual
- ATM withdrawals
- Gemini Credit CardAvailableSolid CardNot available
- Mobile wallets
- Gemini Credit CardApple Pay, Google PaySolid CardApple Pay, Google Pay
- Apps
- Gemini Credit CardiOS, Android, WebSolid CardiOS, Android, Web
- Daily spending limit
- Gemini Credit CardApplicant-specific credit limit; no reusable daily purchase limit is publishedSolid CardShown in app
- Monthly spending limit
- Gemini Credit CardApplicant-specific credit limit; no reusable monthly purchase limit is publishedSolid CardShown in app
- ATM limit
- Gemini Credit Card$1,000 daily and no more than 10% of the total credit limitSolid CardNot disclosed
Funding & transfers
5 fields- Networks
- Gemini Credit CardBitcoin, Ethereum, Solana, Arbitrum, Avalanche, Base +2Solid CardFuse, Ethereum, BNB Smart Chain, Polygon, Base, Arbitrum
- Crypto deposits
- Gemini Credit CardOther crypto: Supported Gemini crypto and stablecoinsSolid CardStablecoins: soUSD, USDC, USDT, FUSE; Other crypto: soETH, VOLT, WBTC, WETH, WFUSE
- Fiat deposits
- Gemini Credit CardUSD bank transferSolid CardUSD virtual account
- Transfers
- Gemini Credit CardStablecoin transfers; Gemini USD bank transferSolid CardStablecoin transfers
- Payout currencies
- Gemini Credit CardUSDSolid CardNot disclosed
Rewards
3 fields- Base cashback
- Gemini Credit Card1%Solid Card3%
- Max cashback
- Gemini Credit Card4%Solid Card5%
- Reward currency
- Gemini Credit CardSelected eligible crypto assetSolid CardUSDC cashback
Earn
5 fields- Advertised APY
- Gemini Credit CardUp to 2.1% APYSolid CardUp to 14% APY
- How it works
- Gemini Credit CardOptional earn vaultSolid CardBorrow against collateral, Optional earn vault
- Separate deposit
- Gemini Credit CardNoSolid CardYes
- Use balance for spending
- Gemini Credit CardNoSolid CardNo
- Lock-up
- Gemini Credit CardNot disclosedSolid CardNot disclosed
Trust & availability
6 fields- Custody
- Gemini Credit CardCustodialSolid CardSelf-custody
- Control until payment
- Gemini Credit CardProvider controls fundsSolid CardYou keep control
- Card issuer
- Gemini Credit CardWebBankSolid CardRain, Third National
- Card processing
- Gemini Credit CardGemini Constellation, LLCSolid CardFuse Network Ltd
- Custody / key management
- Gemini Credit CardGemini Trust Company, LLC / Gemini Moonbase, LLCSolid CardNot disclosed
- Programme operator
- Gemini Credit CardNot disclosedSolid CardFuse Network Ltd
Sources
2 fields- Official sources
- Gemini Credit Card23Solid Card20
- Last reviewed
- Gemini Credit CardAug 30, 2026Solid CardAug 25, 2026
04 · The trade-off
Solid Card is the stronger all-round choice
Solid Card finishes ahead with an Overall Score of 89 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 1%). Solid Card has the higher published base cashback rate (3% vs 1%).
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 Solid 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 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 Solid Card reviews first.
Continue with
Gemini Credit Card
Continue with
Solid Card
05 · Common questions
Gemini Credit vs Solid FAQ
Is Gemini Credit or Solid better overall?
Solid Card has the higher Overall Score (89 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 Solid?
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 Solid?
Solid Card has the higher published base cashback rate (3% 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 Solid differ on custody?
Gemini Credit Card uses a custodial balance setup, while Solid 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 Solid comparison?
The latest information check for these two cards was August 30, 2026, using 43 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.