GeminiGemini Credit
69
Side-by-side card comparison
Gemini Credit vs Uphold US: overall score versus use-case fit
Uphold Card US has the higher Overall Score by 1 point (70 vs 69). Gemini Credit Card looks stronger for Travel, while Uphold Card US comes out ahead for Cashback, Funds control, Lowest fees, and Transfers.
Information checked Oct 14, 202636 official sources reviewed
01 · Overall score versus use-case fit
Uphold Card US is the better all-round starting point
Uphold Card US 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 Credit69Uphold US70Higher score
CashbackGemini Credit60Uphold US75Higher score
TravelGemini Credit80Uphold US71Higher score
Funds controlGemini Credit39Uphold US44Higher score
Lowest feesGemini Credit45Uphold US56Higher score
TransfersGemini Credit26Uphold US65Higher 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 Uphold Card US if cashback and funds control matter most
Uphold Card US 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.
- Essential has no annual fee
- Apple Pay and Google Pay
- Elite raises spending limits
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 Credit69Uphold US70
Uphold Card US 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 FXUphold US$0 plan · 0–1.5% FX
Gemini Credit Card has the lower published FX fee ($0 foreign transaction fee; Mastercard exchange rates and credit interest remain separate vs 0–1.5%).
- Purchase rewards
- Gemini Credit1% base · up to 4%Uphold US2% base · up to 4%
Uphold Card US has the higher published base cashback rate (2% vs 1%).
- Funds control
- Gemini CreditCustodial balanceUphold USCustodial balance
Gemini Credit Card and Uphold Card US use the same custodial balance setup.
- Everyday access
- Gemini CreditVirtual + Physical · Apple Pay, Google PayUphold USVirtual + Physical · Apple Pay, Google Pay
Both cards list the same number of card formats and phone-wallet options.
- Money movement
- Gemini Credit0 stablecoins · Not modeledUphold US0 stablecoins · US bank withdrawal
Uphold Card US lists more stablecoins and ways to send money out (2 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
- 2%-4%
- Plan cost
- $0
- FX fee
- 0–1.5%
- ATM fee
- Essential: $2.95; Elite: $0
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 0 crypto · 3 fiat
- Payout methods
- 0 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 CardOverall69Uphold Card USOverall70
Gemini Credit CardOverall69Uphold Card USOverall70Scores
6 fields- Overall Score
- Gemini Credit Card69Uphold Card US70
- Cashback score
- Gemini Credit Card60Uphold Card US75
- Travel score
- Gemini Credit Card80Uphold Card US71
- Funds control score
- Gemini Credit Card39Uphold Card US44
- Lowest fees score
- Gemini Credit Card45Uphold Card US56
- Transfers score
- Gemini Credit Card26Uphold Card US65
Strengths & trade-offs
2 fields- Strengths
- Gemini Credit CardNo annual or foreign transaction fee, A 1%-4% crypto reward scheduleUphold Card USEssential has no annual fee, Apple Pay and Google Pay
- Trade-offs
- Gemini Credit CardVariable APR and costly cash advances, Applications are limited to the United StatesUphold Card USAsset sales can reduce rewards, Rewards have a disputed time window
Costs
7 fields- Plan cost
- Gemini Credit Card$0Uphold Card US$0
- FX fee
- Gemini Credit Card$0 foreign transaction fee; Mastercard exchange rates and credit interest remain separateUphold Card US0–1.5%
- Top-up fee
- Gemini Credit CardNot applicable; linked-bank and check routes repay the credit accountUphold Card USACH: no deposit fee; external card: 3.99%
- Card spending fee
- Gemini Credit Card0%Uphold Card USNot disclosed
- ATM fee
- Gemini Credit Card3–29.49%Uphold Card USEssential: $2.95; Elite: $0
- Virtual card
- Gemini Credit CardNot disclosedUphold Card USFree on both plans
- Physical card
- Gemini Credit CardNot disclosedUphold Card USEssential: $4.99 plastic; Elite: metal included in $99.99 annual plan
Plans
2 fields- Available plans
- Gemini Credit CardNot disclosedUphold Card US2 plans: Essential, Elite
- Top cashback plan
- Gemini Credit CardNot disclosedUphold Card USElite: 3%
Everyday use
8 fields- Network
- Gemini Credit CardMastercardUphold Card USVisa
- Card formats
- Gemini Credit CardVirtual, PhysicalUphold Card USVirtual, Physical
- ATM withdrawals
- Gemini Credit CardAvailableUphold Card USAvailable
- Mobile wallets
- Gemini Credit CardApple Pay, Google PayUphold Card USApple Pay, Google Pay
- Apps
- Gemini Credit CardiOS, Android, WebUphold Card USiOS, Android
- Daily spending limit
- Gemini Credit CardApplicant-specific credit limit; no reusable daily purchase limit is publishedUphold Card USEssential: $2,500/day; Elite: $25,000/day
- Monthly spending limit
- Gemini Credit CardApplicant-specific credit limit; no reusable monthly purchase limit is publishedUphold Card USEssential: $10,000/month; Elite: $100,000/month
- ATM limit
- Gemini Credit Card$1,000 daily and no more than 10% of the total credit limitUphold Card USEssential: $500/day, $2,000/month; Elite: $2,000/day, $10,000/month
Funding & transfers
5 fields- Networks
- Gemini Credit CardNot disclosedUphold Card USNot disclosed
- Crypto deposits
- Gemini Credit CardNot disclosedUphold Card USNot disclosed
- Fiat deposits
- Gemini Credit CardNot disclosedUphold Card USLinked US bank account, USD bank transfer, External card deposit
- Transfers
- Gemini Credit CardNot disclosedUphold Card USUS bank withdrawal
- Payout currencies
- Gemini Credit CardNot disclosedUphold Card USUSD
Rewards
3 fields- Base cashback
- Gemini Credit Card1%Uphold Card US2%
- Max cashback
- Gemini Credit Card4%Uphold Card US4%
- Reward currency
- Gemini Credit CardSelected eligible crypto assetUphold Card USXRP
Earn
5 fields- Advertised APY
- Gemini Credit CardUp to 2.1% APYUphold Card USNot offered
- How it works
- Gemini Credit CardOptional earn vaultUphold Card USNot offered
- Separate deposit
- Gemini Credit CardNoUphold Card USNot offered
- Use balance for spending
- Gemini Credit CardNoUphold Card USNot offered
- Lock-up
- Gemini Credit CardNot disclosedUphold Card USNot offered
Trust & availability
5 fields- Custody
- Gemini Credit CardCustodialUphold Card USCustodial
- Control until payment
- Gemini Credit CardProvider controls fundsUphold Card USProvider controls funds
- Card issuer
- Gemini Credit CardWebBankUphold Card USCross River Bank
- Card processing
- Gemini Credit CardGemini Constellation, LLCUphold Card USNot disclosed
- Custody / key management
- Gemini Credit CardGemini Trust Company, LLC / Gemini Moonbase, LLCUphold Card USUphold HQ Inc.
Sources
2 fields- Official sources
- Gemini Credit Card23Uphold Card US13
- Last reviewed
- Gemini Credit CardAug 30, 2026Uphold Card USOct 14, 2026
04 · The trade-off
Uphold Card US is the stronger all-round choice
Uphold Card US finishes ahead with an Overall Score of 70 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 0–1.5%). Uphold Card US 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 and Uphold Card US use the same custodial balance setup.
Uphold Card US lists more stablecoins and ways to send money out (2 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 Uphold Card US reviews first.
Continue with
Gemini Credit Card
Continue with
Uphold Card US
05 · Common questions
Gemini Credit vs Uphold US FAQ
Is Gemini Credit or Uphold US better overall?
Uphold Card US has the higher Overall Score (70 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 Uphold US?
Gemini Credit Card has the lower published FX fee ($0 foreign transaction fee; Mastercard exchange rates and credit interest remain separate vs 0–1.5%). 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 Uphold US?
Uphold Card US 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 Uphold US differ on custody?
Gemini Credit Card and Uphold Card US use the same custodial balance setup.
How current is this Gemini Credit vs Uphold US comparison?
The latest information check for these two cards was October 14, 2026, using 36 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.