KrakKrak
74
Side-by-side card comparison
Krak vs Gemini Credit: overall score versus use-case fit
Krak Card has the higher Overall Score by 5 points (74 vs 69). Krak Card looks stronger for Travel, Funds control, Lowest fees, and Transfers, while Gemini Credit Card comes out ahead for Cashback.
Information checked Aug 30, 202649 official sources reviewed
01 · Overall score versus use-case fit
Krak Card is the better all-round starting point
Krak 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.
OverallKrak74Gemini Credit69Higher score
CashbackKrak41Gemini Credit60Higher score
TravelKrak83Gemini Credit80Higher score
Funds controlKrak56Gemini Credit39Higher score
Lowest feesKrak72Gemini Credit45Higher score
TransfersKrak97Gemini Credit26Higher score
Choose Krak Card if travel and funds control matter most
Krak 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 monthly, FX or Krak ATM fee
- Both card formats and phone wallets
- Automatic cashback up to 2%
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
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
- Krak74Gemini Credit69
Krak Card has the higher Overall Score by 5 points.
- Entry cost & FX
- Krak$0 plan · 0–1% FXGemini Credit$0 plan · $0 foreign transaction fee; Mastercard exchange rates and credit interest remain separate 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%).
- Purchase rewards
- Krak0% base · up to 2%Gemini Credit1% base · up to 4%
Gemini Credit Card has the higher published base cashback rate (1% vs 0%).
- Funds control
- KrakCustodial balanceGemini CreditCustodial balance
Krak Card and Gemini Credit Card use the same custodial balance setup.
- Everyday access
- KrakVirtual + Physical · Apple Pay, Google PayGemini CreditVirtual + Physical · Apple Pay, Google Pay
Both cards list the same number of card formats and phone-wallet options.
- Money movement
- Krak0 stablecoins · Stablecoin transfers; Krak internal send, Krak ↔ Kraken balance transfer; GBP Faster Payments, EUR SEPAGemini Credit0 stablecoins · Not modeled
Krak Card lists more stablecoins and ways to send money out (5 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
- 0%-2%
- Plan cost
- $0
- FX fee
- 0–1%
- ATM fee
- 0% Krak fee; ATM operator may charge
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 1 crypto · 3 fiat
- Payout methods
- 1 crypto · 2 fiat
- 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
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
CardsKrak CardOverall74Gemini Credit CardOverall69
Krak CardOverall74Gemini Credit CardOverall69Scores
6 fields- Overall Score
- Krak Card74Gemini Credit Card69
- Cashback score
- Krak Card41Gemini Credit Card60
- Travel score
- Krak Card83Gemini Credit Card80
- Funds control score
- Krak Card56Gemini Credit Card39
- Lowest fees score
- Krak Card72Gemini Credit Card45
- Transfers score
- Krak Card97Gemini Credit Card26
Strengths & trade-offs
2 fields- Strengths
- Krak CardNo monthly, FX or Krak ATM fee, Both card formats and phone walletsGemini Credit CardNo annual or foreign transaction fee, A 1%-4% crypto reward schedule
- Trade-offs
- Krak CardCrypto conversion spread is variable, The 2% tier needs a large balanceGemini Credit CardVariable APR and costly cash advances, Applications are limited to the United States
Costs
7 fields- Plan cost
- Krak Card$0Gemini Credit Card$0
- FX fee
- Krak Card0–1%Gemini Credit Card$0 foreign transaction fee; Mastercard exchange rates and credit interest remain separate
- Top-up fee
- Krak CardNot disclosedGemini Credit CardNot applicable; linked-bank and check routes repay the credit account
- Card spending fee
- Krak Card0%Gemini Credit Card0%
- ATM fee
- Krak Card0% Krak fee; ATM operator may chargeGemini Credit Card3–29.49%
- Virtual card
- Krak CardFreeGemini Credit CardNot disclosed
- Physical card
- Krak CardPlastic £0/€0/$0; US plastic requires $200 over 30 days; first eligible metal card £0/€0/$0Gemini Credit CardNot disclosed
Plans
2 fields- Available plans
- Krak Card5 plans: Starter, Lite, Pro, Elite +1Gemini Credit CardNot disclosed
- Top cashback plan
- Krak CardMax: 2%Gemini Credit CardNot disclosed
Everyday use
8 fields- Network
- Krak CardMastercard/VisaGemini Credit CardMastercard
- Card formats
- Krak CardVirtual, PhysicalGemini Credit CardVirtual, Physical
- ATM withdrawals
- Krak CardAvailableGemini Credit CardAvailable
- Mobile wallets
- Krak CardApple Pay, Google PayGemini Credit CardApple Pay, Google Pay
- Apps
- Krak CardiOS, AndroidGemini Credit CardiOS, Android, Web
- Daily spending limit
- Krak CardUK: £22,000/day; EEA: €12,000/day; US: $12,000/dayGemini Credit CardApplicant-specific credit limit; no reusable daily purchase limit is published
- Monthly spending limit
- Krak CardUK: £22,000/month; EEA: €12,000/month; US: $22,000/monthGemini Credit CardApplicant-specific credit limit; no reusable monthly purchase limit is published
- ATM limit
- Krak CardUK: £250/withdrawal, £750/day, £4,000/month; EEA: €300/withdrawal, €900/day, €4,800/month; US: $250/withdrawal, $1,000/day, $5,000/monthGemini Credit Card$1,000 daily and no more than 10% of the total credit limit
Funding & transfers
5 fields- Networks
- Krak CardNot disclosedGemini Credit CardNot disclosed
- Crypto deposits
- Krak CardOther crypto: Supported cryptoGemini Credit CardNot disclosed
- Fiat deposits
- Krak CardGBP bank transfer, EUR bank transfer, USD bank transferGemini Credit CardNot disclosed
- Transfers
- Krak CardStablecoin transfers; Krak internal send, Krak ↔ Kraken balance transfer; GBP Faster Payments, EUR SEPAGemini Credit CardNot disclosed
- Payout currencies
- Krak CardGBP, EURGemini Credit CardNot disclosed
Rewards
3 fields- Base cashback
- Krak Card0%Gemini Credit Card1%
- Max cashback
- Krak Card2%Gemini Credit Card4%
- Reward currency
- Krak CardGBP, EUR, USD or BTCGemini Credit CardSelected eligible crypto asset
Earn
5 fields- Advertised APY
- Krak CardUp to 3.6% APYGemini Credit CardUp to 2.1% APY
- How it works
- Krak CardOptional earn vaultGemini Credit CardOptional earn vault
- Separate deposit
- Krak CardYesGemini Credit CardNo
- Use balance for spending
- Krak CardNoGemini Credit CardNo
- Lock-up
- Krak CardNot disclosedGemini Credit CardNot disclosed
Trust & availability
6 fields- Custody
- Krak CardCustodialGemini Credit CardCustodial
- Control until payment
- Krak CardProvider controls fundsGemini Credit CardProvider controls funds
- Card issuer
- Krak CardMonavate Limited, Lead Bank, UAB MonavateGemini Credit CardWebBank
- Card processing
- Krak CardStripeGemini Credit CardGemini Constellation, LLC
- Custody / key management
- Krak CardNot disclosedGemini Credit CardGemini Trust Company, LLC / Gemini Moonbase, LLC
- Programme operator
- Krak CardPayward Wallet, Inc.Gemini Credit CardNot disclosed
Sources
2 fields- Official sources
- Krak Card26Gemini Credit Card23
- Last reviewed
- Krak CardAug 27, 2026Gemini Credit CardAug 30, 2026
04 · The trade-off
Krak Card is the stronger all-round choice
Krak Card finishes ahead with an Overall Score of 74 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%). 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. Krak Card and Gemini Credit Card use the same custodial balance setup.
Krak Card lists more stablecoins and ways to send money out (5 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 Krak Card and Gemini Credit Card reviews first.
Continue with
Krak Card
Continue with
Gemini Credit Card
05 · Common questions
Krak vs Gemini Credit FAQ
Is Krak or Gemini Credit better overall?
Krak Card has the higher Overall Score (74 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, Krak or Gemini Credit?
Gemini Credit Card has the lower published FX fee ($0 foreign transaction fee; Mastercard exchange rates and credit interest remain separate vs 0–1%). Compare plan, FX, card-spend, top-up and ATM charges separately because one fee does not represent the full cost.
Which has better cashback, Krak or Gemini Credit?
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 Krak and Gemini Credit differ on custody?
Krak Card and Gemini Credit Card use the same custodial balance setup.
How current is this Krak vs Gemini Credit comparison?
The latest information check for these two cards was August 30, 2026, using 49 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.