GeminiGemini Credit
74
Side-by-side card comparison
Gemini Credit vs Tria: overall score versus use-case fit
Gemini Credit Card has the higher Overall Score by 7 points (74 vs 67). Gemini Credit Card looks stronger for Cashback, Travel, and Transfers, while Tria Card comes out ahead for Funds control and Lowest fees.
Information checked Aug 30, 202644 official sources reviewed
01 · Overall score versus use-case fit
Gemini Credit Card is the better all-round starting point
Gemini Credit Card has the higher Overall Score in this comparison. Tria Card may be the better fit for Funds control and Lowest fees. 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 Credit74Tria67Higher score
CashbackGemini Credit61Tria45Higher score
TravelGemini Credit82Tria62Higher score
Funds controlGemini Credit57Tria91Higher score
Lowest feesGemini Credit45Tria51Higher score
TransfersGemini Credit92Tria63Higher score
Choose Gemini Credit Card if cashback and travel matter most
Gemini Credit Card comes out ahead for Cashback, 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 Tria Card if funds control and lowest fees matter most
Tria Card comes out ahead for 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 wallet linked to card spend
- Physical, virtual and phone-wallet access
- Higher tiers raise caps and perks
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 Credit74Tria67
Gemini Credit Card has the higher Overall Score by 7 points.
- Entry cost & FX
- Gemini Credit$0 plan · $0 foreign transaction fee; Mastercard exchange rates and credit interest remain separate FXTria$25/year plan · 0–3% FX
Gemini Credit Card has the lower starting plan cost ($0 vs $25/year).
- Purchase rewards
- Gemini Credit1% base · up to 4%Tria1.5% base · up to 6%
Tria Card has the higher published base cashback rate (1.5% vs 1%).
- Funds control
- Gemini CreditCustodial balanceTriaSelf-controlled wallet
Gemini Credit Card uses a custodial balance setup, while Tria 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 PayTriaVirtual + 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 transferTria2 stablecoins · Stablecoin 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 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
- 1.5%-6%
- Plan cost
- $25/year
- FX fee
- 0–3%
- ATM fee
- Up to $2 + 3%; inquiry/decline up to $2
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 5 crypto · 0 fiat
- Payout methods
- 5 crypto · 0 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 CardOverall74Tria CardOverall67
Gemini Credit CardOverall74Tria CardOverall67Scores
6 fields- Overall Score
- Gemini Credit Card74Tria Card67
- Cashback score
- Gemini Credit Card61Tria Card45
- Travel score
- Gemini Credit Card82Tria Card62
- Funds control score
- Gemini Credit Card57Tria Card91
- Lowest fees score
- Gemini Credit Card45Tria Card51
- Transfers score
- Gemini Credit Card92Tria Card63
Strengths & trade-offs
2 fields- Strengths
- Gemini Credit CardNo annual or foreign transaction fee, A 1%-4% crypto reward scheduleTria CardSelf-custody wallet linked to card spend, Physical, virtual and phone-wallet access
- Trade-offs
- Gemini Credit CardVariable APR and costly cash advances, Applications are limited to the United StatesTria CardEntry tier is paid, Funding and FX use separate fee layers
Costs
7 fields- Plan cost
- Gemini Credit Card$0Tria Card$25/year
- FX fee
- Gemini Credit Card$0 foreign transaction fee; Mastercard exchange rates and credit interest remain separateTria Card0–3%
- Top-up fee
- Gemini Credit CardNot applicable; linked-bank and check routes repay the credit accountTria Card1%
- Card spending fee
- Gemini Credit Card0%Tria CardNot disclosed
- ATM fee
- Gemini Credit Card3–29.49%Tria CardUp to $2 + 3%; inquiry/decline up to $2
- Virtual card
- Gemini Credit CardNot disclosedTria Card$25/year Virtual membership; issued after payment and KYC
- Physical card
- Gemini Credit CardNot disclosedTria CardSignature $109/year PVC card + virtual; Premium $250/year metal card + virtual; shipping is country/batch gated
Plans
2 fields- Available plans
- Gemini Credit CardNot disclosedTria Card3 plans: Virtual, Signature, Premium
- Top cashback plan
- Gemini Credit CardNot disclosedTria CardPremium: 6%
Everyday use
8 fields- Network
- Gemini Credit CardMastercardTria CardVisa
- Card formats
- Gemini Credit CardVirtual, PhysicalTria CardVirtual, Physical
- ATM withdrawals
- Gemini Credit CardAvailableTria CardAvailable
- Mobile wallets
- Gemini Credit CardApple Pay, Google PayTria CardApple Pay, Google Pay
- Apps
- Gemini Credit CardiOS, Android, WebTria CardiOS, Android, Web
- Daily spending limit
- Gemini Credit CardApplicant-specific credit limit; no reusable daily purchase limit is publishedTria CardDynamic / collateral-based; marketing claims up to $1,000,000/day
- Monthly spending limit
- Gemini Credit CardApplicant-specific credit limit; no reusable monthly purchase limit is publishedTria CardDynamic / collateral-based; marketing claims up to $1,000,000/day
- ATM limit
- Gemini Credit Card$1,000 daily and no more than 10% of the total credit limitTria Card$750/withdrawal; 3 withdrawals/24h
Funding & transfers
5 fields- Networks
- Gemini Credit CardBitcoin, Ethereum, Solana, Arbitrum, Avalanche, Base +2Tria CardEthereum, Polygon, Base, Arbitrum, Optimism, BSC +2
- Crypto deposits
- Gemini Credit CardOther crypto: Supported Gemini crypto and stablecoinsTria CardStablecoins: USDC, USDT; Other crypto: BTC, ETH, SOL
- Fiat deposits
- Gemini Credit CardUSD bank transferTria CardNot disclosed
- Transfers
- Gemini Credit CardStablecoin transfers; Gemini USD bank transferTria CardStablecoin transfers
- Payout currencies
- Gemini Credit CardUSDTria CardNot disclosed
Rewards
3 fields- Base cashback
- Gemini Credit Card1%Tria Card1.5%
- Max cashback
- Gemini Credit Card4%Tria Card6%
- Reward currency
- Gemini Credit CardSelected eligible crypto assetTria CardUSDC and/or USDT stablecoins cashback
Earn
5 fields- Advertised APY
- Gemini Credit CardUp to 2.1% APYTria CardUp to 15% APY
- How it works
- Gemini Credit CardOptional earn vaultTria CardOptional earn vault
- Separate deposit
- Gemini Credit CardNoTria CardNot disclosed
- Use balance for spending
- Gemini Credit CardNoTria CardNot disclosed
- Lock-up
- Gemini Credit CardNot disclosedTria CardNo
Trust & availability
6 fields- Custody
- Gemini Credit CardCustodialTria CardSelf-custody
- Control until payment
- Gemini Credit CardProvider controls fundsTria CardYou keep control
- Card issuer
- Gemini Credit CardWebBankTria CardNimbus, LLC, Third National
- Card processing
- Gemini Credit CardGemini Constellation, LLCTria CardNot disclosed
- Custody / key management
- Gemini Credit CardGemini Trust Company, LLC / Gemini Moonbase, LLCTria CardNot disclosed
- Programme operator
- Gemini Credit CardNot disclosedTria CardThreely Dimensions Inc.
Sources
2 fields- Official sources
- Gemini Credit Card23Tria Card21
- Last reviewed
- Gemini Credit CardAug 30, 2026Tria CardAug 25, 2026
04 · The trade-off
Gemini Credit Card is the stronger all-round choice
Gemini Credit Card finishes ahead with an Overall Score of 74 versus 67 for Tria Card. Gemini Credit Card has the lower starting plan cost ($0 vs $25/year). Tria Card has the higher published base cashback rate (1.5% vs 1%).
Tria Card still comes out ahead for Funds control and Lowest fees, 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 Tria 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). 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 Tria Card reviews first.
Continue with
Gemini Credit Card
Continue with
Tria Card
05 · Common questions
Gemini Credit vs Tria FAQ
Is Gemini Credit or Tria better overall?
Gemini Credit Card has the higher Overall Score (74 vs 67). 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 Tria?
Gemini Credit Card has the lower starting plan cost ($0 vs $25/year). 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 Tria?
Tria Card has the higher published base cashback rate (1.5% 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 Tria differ on custody?
Gemini Credit Card uses a custodial balance setup, while Tria 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 Tria comparison?
The latest information check for these two cards was August 30, 2026, using 44 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.