GeminiGemini Credit
74
Side-by-side card comparison
Gemini Credit vs Xapo: overall score versus use-case fit
Gemini Credit Card has the higher Overall Score by 4 points (74 vs 70). Gemini Credit Card looks stronger for Cashback, while Xapo Card comes out ahead for Travel, Funds control, Lowest fees, and Transfers.
Information checked Sep 1, 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. Xapo Card may be the better fit for Travel, Funds control, Lowest fees, 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 Credit74Xapo70Higher score
CashbackGemini Credit61Xapo24Higher score
TravelGemini Credit82Xapo91Higher score
Funds controlGemini Credit57Xapo63Higher score
Lowest feesGemini Credit45Xapo77Higher score
TransfersGemini Credit92Xapo100Higher score
Choose Gemini Credit Card if cashback matters most
Gemini Credit Card comes out ahead for Cashback 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 Xapo Card if travel and funds control matter most
Xapo Card comes out ahead for Travel, 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.
- No Xapo FX markup
- Account-backed bank and crypto rails
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 Credit74Xapo70
Gemini Credit 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 FXXapo$1,000/year plan · 0–0.29% FX
Gemini Credit Card has the lower starting plan cost ($0 vs $1,000/year).
- Purchase rewards
- Gemini Credit1% base · up to 4%Xapo0% base · up to 3%
Gemini Credit Card has the higher published base cashback rate (1% vs 0%).
- Funds control
- Gemini CreditCustodial balanceXapoCustodial balance
Gemini Credit Card and Xapo Card use the same custodial balance setup.
- Everyday access
- Gemini CreditVirtual + Physical · Apple Pay, Google PayXapoVirtual + Physical · Unknown
Gemini Credit Card lists more card formats and phone-wallet options (4 vs 2).
- Money movement
- Gemini Credit4 stablecoins · Stablecoin transfers; Gemini USD bank transferXapo2 stablecoins · Stablecoin transfers; SWIFT payout, SEPA payout, Faster Payments payout, ACH payout
Xapo Card lists more stablecoins and ways to send money out (8 vs 6).
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
- 0%-3%
- Plan cost
- $1,000/year
- FX fee
- 0–0.29%
- ATM fee
- 0–2%
- Card formats
- Virtual, Physical
- Wallet payments
- Not disclosed
- Receive methods
- 3 crypto · 4 fiat
- Payout methods
- 3 crypto · 3 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 CardOverall74Xapo CardOverall70
Gemini Credit CardOverall74Xapo CardOverall70Scores
6 fields- Overall Score
- Gemini Credit Card74Xapo Card70
- Cashback score
- Gemini Credit Card61Xapo Card24
- Travel score
- Gemini Credit Card82Xapo Card91
- Funds control score
- Gemini Credit Card57Xapo Card63
- Lowest fees score
- Gemini Credit Card45Xapo Card77
- Transfers score
- Gemini Credit Card92Xapo Card100
Strengths & trade-offs
2 fields- Strengths
- Gemini Credit CardNo annual or foreign transaction fee, A 1%-4% crypto reward scheduleXapo CardNo Xapo FX markup, Account-backed bank and crypto rails
- Trade-offs
- Gemini Credit CardVariable APR and costly cash advances, Applications are limited to the United StatesXapo Card$1,000 annual membership, Cashback is temporary and capped ambiguously
Costs
7 fields- Plan cost
- Gemini Credit Card$0Xapo Card$1,000/year
- FX fee
- Gemini Credit Card$0 foreign transaction fee; Mastercard exchange rates and credit interest remain separateXapo Card0–0.29%
- Top-up fee
- Gemini Credit CardNot applicable; linked-bank and check routes repay the credit accountXapo CardNo direct card top-up; the Xapo Account balance funds card spending
- Card spending fee
- Gemini Credit Card0%Xapo Card0%
- ATM fee
- Gemini Credit Card3–29.49%Xapo Card0–2%
- Virtual card
- Gemini Credit CardNot disclosedXapo Card$0 in the Visa Europe programme; outside-Europe pricing not disclosed
- Physical card
- Gemini Credit CardNot disclosedXapo Card$0 for Metal; $0 for standard physical Visa Europe; other standard pricing not disclosed
Plans
2 fields- Available plans
- Gemini Credit CardNot disclosedXapo Card1 plans: Xapo Bank membership
- Top cashback plan
- Gemini Credit CardNot disclosedXapo CardXapo Bank membership: 0%
Everyday use
8 fields- Network
- Gemini Credit CardMastercardXapo CardVisa/Mastercard
- Card formats
- Gemini Credit CardVirtual, PhysicalXapo CardVirtual, Physical
- ATM withdrawals
- Gemini Credit CardAvailableXapo CardAvailable
- Mobile wallets
- Gemini Credit CardApple Pay, Google PayXapo CardNot disclosed
- Apps
- Gemini Credit CardiOS, Android, WebXapo CardiOS, Android
- Daily spending limit
- Gemini Credit CardApplicant-specific credit limit; no reusable daily purchase limit is publishedXapo Card$50,000 daily for point-of-sale and online purchases
- Monthly spending limit
- Gemini Credit CardApplicant-specific credit limit; no reusable monthly purchase limit is publishedXapo Card$250,000 monthly under the Visa Europe programme
- ATM limit
- Gemini Credit Card$1,000 daily and no more than 10% of the total credit limitXapo Card$2,000 daily; Visa Europe also lists $15,000 monthly
Funding & transfers
5 fields- Networks
- Gemini Credit CardBitcoin, Ethereum, Solana, Arbitrum, Avalanche, Base +2Xapo CardBitcoin, Lightning, Ethereum, Tron, Solana
- Crypto deposits
- Gemini Credit CardOther crypto: Supported Gemini crypto and stablecoinsXapo CardStablecoins: USDC, USDT; Other crypto: BTC
- Fiat deposits
- Gemini Credit CardUSD bank transferXapo CardSWIFT receive, ACH receive, SEPA receive, Faster Payments receive
- Transfers
- Gemini Credit CardStablecoin transfers; Gemini USD bank transferXapo CardStablecoin transfers; SWIFT payout, SEPA payout, Faster Payments payout, ACH payout
- Payout currencies
- Gemini Credit CardUSDXapo CardUSD, GBP, EUR
Rewards
3 fields- Base cashback
- Gemini Credit Card1%Xapo Card0%
- Max cashback
- Gemini Credit Card4%Xapo Card3%
- Reward currency
- Gemini Credit CardSelected eligible crypto assetXapo CardBTC
Earn
5 fields- Advertised APY
- Gemini Credit CardUp to 2.1% APYXapo CardUp to 3.35% APY
- How it works
- Gemini Credit CardOptional earn vaultXapo CardEarn on spending balance
- Separate deposit
- Gemini Credit CardNoXapo CardNo
- Use balance for spending
- Gemini Credit CardNoXapo CardYes
- Lock-up
- Gemini Credit CardNot disclosedXapo CardNo
Trust & availability
6 fields- Custody
- Gemini Credit CardCustodialXapo CardCustodial
- Control until payment
- Gemini Credit CardProvider controls fundsXapo CardProvider controls funds
- Card issuer
- Gemini Credit CardWebBankXapo CardTransact Payments Malta Limited
- Card processing
- Gemini Credit CardGemini Constellation, LLCXapo CardNot disclosed
- Custody / key management
- Gemini Credit CardGemini Trust Company, LLC / Gemini Moonbase, LLCXapo CardNot disclosed
- Bank transfers
- Gemini Credit CardNot disclosedXapo CardXapo Bank Limited
Sources
2 fields- Official sources
- Gemini Credit Card23Xapo Card21
- Last reviewed
- Gemini Credit CardAug 30, 2026Xapo CardSep 1, 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 70 for Xapo Card. Gemini Credit Card has the lower starting plan cost ($0 vs $1,000/year). Gemini Credit Card has the higher published base cashback rate (1% vs 0%).
Xapo Card still comes out ahead for Travel, Funds control, Lowest fees, and Transfers, which may matter more than the overall result if that is how you plan to use the card. Gemini Credit Card and Xapo Card use the same custodial balance setup.
Xapo Card lists more stablecoins and ways to send money out (8 vs 6). 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 Xapo Card reviews first.
Continue with
Gemini Credit Card
Continue with
Xapo Card
05 · Common questions
Gemini Credit vs Xapo FAQ
Is Gemini Credit or Xapo better overall?
Gemini Credit Card has the higher Overall Score (74 vs 70). 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 Xapo?
Gemini Credit Card has the lower starting plan cost ($0 vs $1,000/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 Xapo?
Gemini Credit Card has the higher published base cashback rate (1% vs 0%). 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 Xapo differ on custody?
Gemini Credit Card and Xapo Card use the same custodial balance setup.
How current is this Gemini Credit vs Xapo comparison?
The latest information check for these two cards was September 1, 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.