Image: Gemini
Image: CoinbaseGemini Credit Card vs Coinbase Card
Quick answer
Both are US credit cards that pay crypto rewards. The Gemini Credit Card has no annual fee and pays up to 4% in categories like gas and transit, 3% on dining and 1% on everything else, in your choice of 50+ cryptos. The Coinbase One Card pays 2% to 4% in bitcoin on everything, but needs a Coinbase One membership from $49.99 a year.
Gemini Credit Card and Coinbase Card compared
| Gemini Credit Card | Coinbase Card | |
|---|---|---|
| Our score | 6.7/10 | 6.3/10 |
| Best for | US residents who pay their card off every month and want crypto rewards without spending crypto. | US residents who already use Coinbase and want bitcoin rewards on everyday spending. |
| Cashback | 1% to 4% back in crypto | 2% to 4% in BTC (Coinbase One Card, US) |
| Card cost | Free | Not publicly listed for the debit card. Coinbase One Card: first replacement waived, then up to $40. |
| Annual fee | None | Debit card: no annual fee listed. Coinbase One Card: no card fee, but you need Coinbase One (Basic $49.99 a year or $5 a month, full plan $29.99 a month). |
| FX | No foreign transaction fee | Not publicly disclosed. Check the app for your country. |
| Conversion | None. You spend dollars on credit, and rewards are bought in crypto for you. | Not publicly disclosed |
| ATM | Cash advances follow the credit card terms, with a 29.49% variable cash advance APR | Debit card: $0 from Coinbase (ATM operators may charge). Coinbase One Card cash advance: greater of $10 or 5%. |
| Custody | Rewards are paid into your Gemini account (custodial) | Custodial (Coinbase holds your balance) |
| Network | Mastercard | Visa (debit card). American Express (Coinbase One Card). |
| Top up with | Nothing to top up. It's a credit card, so you pay a monthly bill from your bank account. | Spends USDC from your Coinbase account (debit card); Buy USDC on Coinbase with a bank transfer or card; Deposit crypto from any wallet to Coinbase; Coinbase One Card is a credit card, so you pay the bill instead of topping up |
| Withdraw by | Sell or withdraw your crypto rewards from your Gemini account | Cash out to your bank account from Coinbase; Send crypto to any wallet; ATM cash withdrawals with the debit card |
| Where it works | United States only. | Debit card in the US and 31 European countries including the UK. Coinbase One Card in the US only. |
| Last checked | 16 October 2026 | 15 October 2026 |
Which one should you pick?
If you spend a lot on dining and transport and want flexibility in which coin you earn, Gemini is the cheaper choice with no membership. If you want a flat rate on everything and already hold crypto on Coinbase, the Coinbase One Card can pay more, as long as your spending covers the membership.
Frequently asked questions
Which is cheaper abroad, Gemini Credit Card or Coinbase Card?
On the entry tier, Gemini Credit Card has the lower FX markup. Gemini Credit Card: No foreign transaction fee. Coinbase Card: Not publicly disclosed. Check the app for your country..
Which pays more cashback, Gemini Credit Card or Coinbase Card?
Coinbase Card has the higher top rate. Gemini Credit Card: 1% to 4% back in crypto. Coinbase Card: 2% to 4% in BTC (Coinbase One Card, US). Check caps and requirements on each review.
Are Gemini Credit Card and Coinbase Card self-custody?
Gemini Credit Card: Rewards are paid into your Gemini account (custodial). Coinbase Card: Custodial (Coinbase holds your balance).