GeminiGemini Credit
74
Side-by-side card comparison
Gemini Credit vs ZEN: overall score versus use-case fit
ZEN Card has the higher Overall Score by 3 points (77 vs 74). Gemini Credit Card looks stronger for Cashback, while ZEN Card comes out ahead for Travel, Funds control, Lowest fees, and Transfers.
Information checked Aug 30, 202666 official sources reviewed
01 · Overall score versus use-case fit
ZEN Card is the better all-round starting point
ZEN Card has the higher Overall Score in this comparison. Gemini Credit Card may be the better fit for Cashback. 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 Credit74ZEN77Higher score
CashbackGemini Credit61ZEN39Higher score
TravelGemini Credit82ZEN96Higher score
Funds controlGemini Credit57ZEN65Higher score
Lowest feesGemini Credit45ZEN80Higher score
TransfersGemini Credit92ZEN98Higher 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 ZEN Card if travel and funds control matter most
ZEN 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.
- Free plan with 0.5% weekday FX margin
- Physical, virtual and phone-wallet access
- Four current crypto-route assets
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 Credit74ZEN77
ZEN Card has the higher Overall Score by 3 points.
- Entry cost & FX
- Gemini Credit$0 plan · $0 foreign transaction fee; Mastercard exchange rates and credit interest remain separate FXZEN$0 plan · 0–0.5% FX
Gemini Credit Card has the lower published FX fee ($0 foreign transaction fee; Mastercard exchange rates and credit interest remain separate vs 0–0.5%).
- Purchase rewards
- Gemini Credit1% base · up to 4%ZEN0% base
Gemini Credit Card has the higher published base cashback rate (1% vs 0%).
- Funds control
- Gemini CreditCustodial balanceZENCustodial balance
Gemini Credit Card and ZEN Card use the same custodial balance setup.
- Everyday access
- Gemini CreditVirtual + Physical · Apple Pay, Google PayZENVirtual + 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 transferZEN2 stablecoins · Stablecoin transfers; Card-to-card transfer; SEPA transfers
Gemini Credit Card lists more stablecoins and ways to send money out (6 vs 5).
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
77
- Cashback
- 0% base
- Plan cost
- $0
- FX fee
- 0–0.5%
- ATM fee
- 0–1.5%
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 4 crypto · 2 fiat
- Payout methods
- 4 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 CardOverall74ZEN CardOverall77
Gemini Credit CardOverall74ZEN CardOverall77Scores
6 fields- Overall Score
- Gemini Credit Card74ZEN Card77
- Cashback score
- Gemini Credit Card61ZEN Card39
- Travel score
- Gemini Credit Card82ZEN Card96
- Funds control score
- Gemini Credit Card57ZEN Card65
- Lowest fees score
- Gemini Credit Card45ZEN Card80
- Transfers score
- Gemini Credit Card92ZEN Card98
Strengths & trade-offs
2 fields- Strengths
- Gemini Credit CardNo annual or foreign transaction fee, A 1%-4% crypto reward scheduleZEN CardFree plan with 0.5% weekday FX margin, Physical, virtual and phone-wallet access
- Trade-offs
- Gemini Credit CardVariable APR and costly cash advances, Applications are limited to the United StatesZEN CardFree-plan ATM withdrawals cost 1.5%, No universal public cashback rate
Costs
7 fields- Plan cost
- Gemini Credit Card$0ZEN Card$0
- FX fee
- Gemini Credit Card$0 foreign transaction fee; Mastercard exchange rates and credit interest remain separateZEN Card0–0.5%
- Top-up fee
- Gemini Credit CardNot applicable; linked-bank and check routes repay the credit accountZEN Card0–3%
- Card spending fee
- Gemini Credit Card0%ZEN Card0%
- ATM fee
- Gemini Credit Card3–29.49%ZEN Card0–1.5%
- Virtual card
- Gemini Credit CardNot disclosedZEN CardFree/Gold: 1 included; Platinum/Pro: 3 included; next card €5
- Physical card
- Gemini Credit CardNot disclosedZEN CardFree first card €10; Gold 1 included; Platinum/Pro 2 included; next card €10
Plans
2 fields- Available plans
- Gemini Credit CardNot disclosedZEN Card4 plans: Free, Gold, Platinum, Pro
- Top cashback plan
- Gemini Credit CardNot disclosedZEN CardFree: 0%
Everyday use
8 fields- Network
- Gemini Credit CardMastercardZEN CardMastercard/Visa
- Card formats
- Gemini Credit CardVirtual, PhysicalZEN CardVirtual, Physical
- ATM withdrawals
- Gemini Credit CardAvailableZEN CardAvailable
- Mobile wallets
- Gemini Credit CardApple Pay, Google PayZEN CardApple Pay, Google Pay
- Apps
- Gemini Credit CardiOS, Android, WebZEN CardiOS, Android, Web
- Daily spending limit
- Gemini Credit CardApplicant-specific credit limit; no reusable daily purchase limit is publishedZEN CardStandard €10,000/day; maximum €30,000/day (currency equivalents also published)
- Monthly spending limit
- Gemini Credit CardApplicant-specific credit limit; no reusable monthly purchase limit is publishedZEN CardNot publicly confirmed
- ATM limit
- Gemini Credit Card$1,000 daily and no more than 10% of the total credit limitZEN CardStandard €2,000/day; maximum €30,000/day (currency equivalents also published)
Funding & transfers
5 fields- Networks
- Gemini Credit CardBitcoin, Ethereum, Solana, Arbitrum, Avalanche, Base +2ZEN CardNot disclosed
- Crypto deposits
- Gemini Credit CardOther crypto: Supported Gemini crypto and stablecoinsZEN CardStablecoins: USDT, USDC; Other crypto: BTC, ETH
- Fiat deposits
- Gemini Credit CardUSD bank transferZEN CardSEPA bank transfer, Payment-card top-up
- Transfers
- Gemini Credit CardStablecoin transfers; Gemini USD bank transferZEN CardStablecoin transfers; Card-to-card transfer; SEPA transfers
- Payout currencies
- Gemini Credit CardUSDZEN CardEUR
Rewards
3 fields- Base cashback
- Gemini Credit Card1%ZEN Card0%
- Max cashback
- Gemini Credit Card4%ZEN CardNot disclosed
- Reward currency
- Gemini Credit CardSelected eligible crypto assetZEN CardTransaction currency
Earn
5 fields- Advertised APY
- Gemini Credit CardUp to 2.1% APYZEN CardNot offered
- How it works
- Gemini Credit CardOptional earn vaultZEN CardNot offered
- Separate deposit
- Gemini Credit CardNoZEN CardNot offered
- Use balance for spending
- Gemini Credit CardNoZEN CardNot offered
- Lock-up
- Gemini Credit CardNot disclosedZEN CardNot offered
Trust & availability
6 fields- Custody
- Gemini Credit CardCustodialZEN CardCustodial
- Control until payment
- Gemini Credit CardProvider controls fundsZEN CardProvider controls funds
- Card issuer
- Gemini Credit CardWebBankZEN CardUAB ZEN.COM
- Card processing
- Gemini Credit CardGemini Constellation, LLCZEN CardNot disclosed
- Custody / key management
- Gemini Credit CardGemini Trust Company, LLC / Gemini Moonbase, LLCZEN CardNot disclosed
- Deposits & withdrawals
- Gemini Credit CardNot disclosedZEN CardTriple A Technologies Pte Ltd, Coreline Solutions LLC
Sources
2 fields- Official sources
- Gemini Credit Card23ZEN Card43
- Last reviewed
- Gemini Credit CardAug 30, 2026ZEN CardAug 23, 2026
04 · The trade-off
ZEN Card is the stronger all-round choice
ZEN Card finishes ahead with an Overall Score of 77 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 0–0.5%). Gemini Credit Card has the higher published base cashback rate (1% vs 0%).
Gemini Credit Card still comes out ahead for Cashback, which may matter more than the overall result if that is how you plan to use the card. Gemini Credit Card and ZEN Card use the same custodial balance setup.
Gemini Credit Card lists more stablecoins and ways to send money out (6 vs 5). 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 ZEN Card reviews first.
Continue with
Gemini Credit Card
Continue with
ZEN Card
05 · Common questions
Gemini Credit vs ZEN FAQ
Is Gemini Credit or ZEN better overall?
ZEN Card has the higher Overall Score (77 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 ZEN?
Gemini Credit Card has the lower published FX fee ($0 foreign transaction fee; Mastercard exchange rates and credit interest remain separate vs 0–0.5%). 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 ZEN?
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 ZEN differ on custody?
Gemini Credit Card and ZEN Card use the same custodial balance setup.
How current is this Gemini Credit vs ZEN comparison?
The latest information check for these two cards was August 30, 2026, using 66 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.