Gemini Credit Card™ vs Crypto.com Card
Key differences
- The Gemini card is a credit card that requires a credit check, while Crypto.com Card is a prepaid Visa with no credit check required.
- Gemini offers category-based rewards (4% gas/transit, 3% dining, 2% groceries, 1% everything else) paid in Bitcoin or 50+ cryptos, while Crypto.com offers tiered rewards (1.5%-6%) paid only in CRO token.
- Gemini has a $200 sign-up bonus after spending $3,000 in 90 days, while Crypto.com offers tiered sign-up bonuses ranging from $100 to $2,500 in CRO depending on card tier and spending requirements.
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Card Material
Stainless steel card made from 75% recycled material.
Available colors:
Black
Silver
Rose Gold
Bitcoin Orange
Special editions:
The Bitcoin Credit Card™
Solana Edition
XRP Edition
Metal card (all paid/lockup tiers). Color depends on tier (Midnight Blue, Ruby Steel, Jade, Indigo, Icy White, Rose Gold, Obsidian).
Card Details
Card Type
Credit Card
Prepaid Visa (not a credit card)
Network
Mastercard® World Elite
Visa Signature®
Annual Fee
$0 - No annual fee
Varies by card tier
Rewards Details
Rewards Rate
Category-based rewards:
- 4%: Gas, EV charging, transit, taxis & rideshares (on up to $300 in spending per month, then 1% back thereafter in that month)
- 3%: Dining
- 2%: Groceries
- 1%: All other purchases
Monthly cap: 4% category capped at $300 in spend per month. Spend cycle refreshes on the 1st of each calendar month.
Rewards rate by card tier (2026 rates):
- Midnight Blue (Basic): 0% back (free, no lockup or subscription)
- Ruby Steel (Plus): 2% back ($4.99/mo or $49.90/yr subscription, or $500 CRO lockup)
- Jade/Indigo (Pro): 3% back ($29.99/mo or $299.90/yr subscription, or $5,000 CRO lockup)
- Icy White/Rose Gold (Private): 4% back ($50,000 CRO lockup)
- Obsidian (Private): 5% back ($500,000 CRO lockup)
Rewards Type
Bitcoin or 50+ other cryptocurrencies available on Gemini. Easily change the crypto you want to earn, as often as you want.
All rewards are paid in CRO (Crypto.com''s token). CRO can be exchanged for other assets in-app; value fluctuates.
Sign-Up Bonus
None
Midnight Blue $100 in CRO after $1,500 spend in 90 days
Ruby $200 in CRO after $2,000 in 90 days
Indigo/Jade $300 in CRO after $5,000 in 90 days
Icy/Rose $1,000 in CRO after $10,000 in 90 days
Obsidian $2,500 in CRO after $20,000 in 90 days
Rewards Cap
Monthly cap: 4% category (gas, EV, transit) is capped at $300 in spend per month. After reaching the cap, the rate drops to 1% for remaining purchases in that category for the month. Spend cycle refreshes on the 1st of each calendar month.
Monthly CRO reward cap
- Midnight Blue (Basic): N/A (0% rewards)
- Ruby (Plus): $25/mo
- Jade/Indigo (Pro): $75/mo
- Icy/Rose/Obsidian (Private): No limit
How Rewards Work
Rewards are instantly deposited into your Gemini account. In some rare cases, rewards are deposited when the transaction posts. Some exclusions apply to instant rewards. Subject to Rewards Program Terms.
CRO rewards usually credited instantly to your app wallet. Cannot access or sell locked CRO.
Signing Up
Availability
USA only
United States, Canada, Europe, UK, Australia, Singapore, Brazil & more (see Crypto.com for full list)
Eligibility
Available to: U.S. residents (subject to credit approval)
Credit requirement: Good to Excellent credit recommended
Available U.S. residents, many other countries.
ID verification required. No credit check.
Credit Check
Good to Excellent credit recommended
No credit check required (prepaid – load with fiat, not linked to bank/revolving credit)
Using The Card
Foreign Transaction Fees
$0 - No foreign transaction fees
$0 – No foreign transaction fees
Restrictions
Some exclusions apply to instant rewards in which rewards are deposited when the transaction posts. Subject to Rewards Program Terms. 10% Vault Rewards are available on up to a limited value in spend per month and varies depending on the merchant offer.
Note Rewards only on eligible purchases (no rewards on some codes—see T&Cs). CRO lockup required for premium tiers. Program may change without notice.
APR
Regular APR
18.74% - 34.74% Variable APR
N/A – Prepaid so no revolving balance or purchase APR
Intro APR
N/A - No intro APR for purchases or balance transfers
N/A – Prepaid, no promo APR
Additional Info
Official Site
Referral Program
Referral program: Earn $50 in crypto for each referral and an extra $250 bonus each time you make 5 referrals. Up to 50 referrals per year (up to $5,000 total). This offer is only available for the Credit Card Referral Program and Terms Apply.
Referral program Earn up to $25 in CRO for referring friends (with CRO staking and eligibility).
Launched
October 2021
2018 (most recent refresh in 2025)
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