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Updated for August 2026

Crypto.com vs Gemini Card

Two no-fee crypto cards, head to head. Here’s how they stack up.

Crypto.com#1
VisaPrepaid
•••• ••••
Cashback
5%
Monthly fee
None
Our score
2.2
Get Crypto.com
Gemini Card#2
MastercardCredit
Gemini Card card
Cashback
Up to 3%
Monthly fee
None
Our score
3.3
Get Gemini Card

The bottom line

Choose Crypto.com if…

you want the highest cashback in this matchup — earn 5% back on everyday spend.

5% cashbackNo monthly fee2.2★ rating

Choose Gemini Card if…

you want our top-rated pick here — it scores 3.3/5 with our editors.

Up to 3% cashbackNo monthly fee3.3★ rating
4 differences below
FeesRewardsPros & cons
See the full breakdown
Crypto.com logoCrypto.com Obsidian
vs.Gemini Card logoGemini Card

All about Crypto.com Obsidian

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Get Crypto.com Obsidian

Gemini Card

Gemini Card card
Get Gemini Card

Main perks

Monthly feeNone
Cashback5%
FX fee0%
SavingsNone
ATM feeFree to €1,000/mo, then 2%
Currencies1
Supported countries29
Monthly feeNone
CashbackUp to 3%
FX fee0%
Savings0.0
ATM fee3%
Currencies54
Supported countries1
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Bonus offers

No current bonus offer.

15 USD bonus

—

Rewards

Everyday spending5%
Monthly rewards capNone
Travel spending15% (coming soon)
Free ATM withdrawals€1,000/mo
Subscription rebatesPermanent
Dining cashback3%
Grocery cashback2%
All other purchases1%
Gas/EV charging (promotional)10% up to $200/mo
Welcome bonus$15 USD
Rewards paid in crypto
No rewards expiry stated
—

Pros

  • 5% back in CRO with no monthly cap
  • Permanent Spotify, Netflix and Truth+ rebates
  • Lounge access with a guest
  • Exclusive F1, UFC and football invitations
  • Voice and messaging support
  • 0% FX fee
  • No monthly fee
  • 3% back on dining
  • No inactivity fee
  • $25,000 daily spend limit
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Cons

  • Requires a €450,000 CRO stake
  • No subscription alternative
  • CRO locked for twelve months
  • Heavy exposure to CRO price movement
  • Rewards paid in CRO only
  • Custodial
  • US residents only
  • 1.74% conversion cost
  • 3% ATM withdrawal fee
  • $1,000 daily ATM cap
  • 3% dining cashback capped at $750
  • 10% gas promo capped at $200/month, $2,400 total
  • Wholesale clubs and some grocery retailers excluded from grocery rate
  • No physical or virtual card details confirmed
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Options to Crypto.com

CardTypeAnnual feeRewardsScore
B logoBleap CardDebit$0Up to 20%4.4View cardB logoBybit CardCrypto$0Up to 10%4.3View cardP logoPlutus CardDebit$0Up to 9%2.7View cardB logoBit2Me CardDebit$0Up to 9%3.9View card