KrakKrak
74
Side-by-side card comparison
Krak vs Gemini Credit: same score, different trade-offs
Krak Card and Gemini Credit Card share an Overall Score of 74. Krak Card looks stronger for Travel, Lowest fees, and Transfers, while Gemini Credit Card comes out ahead for Cashback and Funds control.
Information checked Aug 30, 202649 official sources reviewed
01 · A level score
The scores are tied, but the cards are not the same
Krak Card and Gemini Credit Card have the same Overall Score. Start with what matters most to you: day-to-day costs, rewards, control of your funds or moving money. The sections below show how they differ. You should also check that your preferred card is available in your country.
OverallKrak74Gemini Credit74Same score
CashbackKrak40Gemini Credit61Higher score
TravelKrak83Gemini Credit82Higher score
Funds controlKrak56Gemini Credit57Higher score
Lowest feesKrak72Gemini Credit45Higher score
TransfersKrak97Gemini Credit92Higher score
Choose Krak Card if travel and lowest fees matter most
Krak Card comes out ahead for Travel, 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 and funds control matter most
Gemini Credit Card comes out ahead for Cashback and Funds control 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 the cards part company
A tied score can hide meaningful differences in cost, custody, rewards and everyday access.
- Overall Score
- Krak74Gemini Credit74
Both cards have the same displayed Overall Score of 74.
- 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 Credit4 stablecoins · Stablecoin transfers; Gemini USD bank transfer
Gemini Credit Card lists more stablecoins and ways to send money out (6 vs 5).
02 · Read the shortlist
A closer look at the tie
The score is level. These quick facts show where the cards still ask you to make a choice.
- 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
- 1 crypto · 1 fiat
- Payout methods
- 1 crypto · 1 fiat
03 · Compare the details
Put the details side by side
We highlight a better number only when both cards publish values that can be compared fairly. Anything missing stays clearly marked.
Best known Not disclosed
CardsKrak CardOverall74Gemini Credit CardOverall74
Krak CardOverall74Gemini Credit CardOverall74Scores
6 fields- Overall Score
- Krak Card74Gemini Credit Card74
- Cashback score
- Krak Card40Gemini Credit Card61
- Travel score
- Krak Card83Gemini Credit Card82
- Funds control score
- Krak Card56Gemini Credit Card57
- Lowest fees score
- Krak Card72Gemini Credit Card45
- Transfers score
- Krak Card97Gemini Credit Card92
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 CardBitcoin, Ethereum, Solana, Arbitrum, Avalanche, Base +2
- Crypto deposits
- Krak CardOther crypto: Supported cryptoGemini Credit CardOther crypto: Supported Gemini crypto and stablecoins
- Fiat deposits
- Krak CardGBP bank transfer, EUR bank transfer, USD bank transferGemini Credit CardUSD bank transfer
- Transfers
- Krak CardStablecoin transfers; Krak internal send, Krak ↔ Kraken balance transfer; GBP Faster Payments, EUR SEPAGemini Credit CardStablecoin transfers; Gemini USD bank transfer
- Payout currencies
- Krak CardGBP, EURGemini Credit CardUSD
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 closer call
Krak Card and Gemini Credit Card need a closer personal call
The Overall Score ends level at 74, so there is no honest all-round winner here. 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%).
Krak Card looks stronger for Travel, Lowest fees, and Transfers, while Gemini Credit Card comes out ahead for Cashback and Funds control. Krak Card and Gemini Credit Card use the same custodial balance setup.
Gemini Credit Card lists more stablecoins and ways to send money out (6 vs 5). Your final check should be whether the card is available where you live and whether the latest provider terms match the features you expect to use.
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 and Gemini Credit Card tie at 74 in the Overall Score. Compare their costs, rewards, way of holding funds and everyday features to decide which suits you.
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.