CoinJar Card vs Gemini Credit Card
On cashback Gemini Credit Card wins (up to 4%, but the full rate requires Nessuno); for spending abroad FX markup matters, and Gemini Credit Card does better (0% vs 2.99%). In our editorial rating Gemini Credit Card leads (4.4 vs 3.0). Neither wins across the board: weigh the points above against your use case before choosing between CoinJar Card and Gemini Credit Card.
| CoinJar Card | Gemini Credit Card | |
|---|---|---|
| Tier | C | A |
| Rating | ★ 3.0 | ★ 4.4 |
| Estimated net annual cost | €0 | €0 |
| Network | Mastercard | Mastercard World Elite |
| Fund custody | Custodial (platform holds funds) | — |
| Issuance fee | Free | Free |
| Annual fee | Free | Free |
| Free ATM limit | AUD 1.000/giorno (5 prelievi max) | Cash advance fee |
| ATM withdrawal | 1% | Free |
| FX markup | 2.99% | 0% |
| Cashback | Not disclosed | 4% in 50+ cryptocurrencies · Nessuno |
| On-chain settlement | No | No |
| Contactless | Yes | Yes |
| Virtual card | Yes | Yes |
| KYC | Full | Full |
| Privacy | 4/10 | 3/10 |
| Supported countries | APAC, UK · 2+ countries | US · 1+ countries |
| Regulator | AUSTRAC; UK FCA | NYDFS; SEC (public company); EU member state regulators |
| Segment | B2C | B2C |
| Card type | — | Revolving credit |
| APR | — | 16.49%–34.49% |
| Funding / solidity | — | Gemini, exchange con sede a New York · 13M+ utenti |
| OAM Italy registration | — | No |
| Past incidents | — | Gemini Earn collapse (2022-2023): partner Genesis halted withdrawals, ~$1.8B frozen; customers later made whole · NYDFS settlement (2024): $37M fine for compliance failures · CFTC settlement (2025): $5M fine for misleading statements about bitcoin futures |
| Regions | APAC, UK | US |
| Licences & safety | AUSTRAC registration; FCA registration | NYDFS |
Frequently asked questions
CoinJar Card vs Gemini Credit Card: which is better?
On cashback Gemini Credit Card wins (up to 4%, but the full rate requires Nessuno); for spending abroad FX markup matters, and Gemini Credit Card does better (0% vs 2.99%). In our editorial rating Gemini Credit Card leads (4.4 vs 3.0). Neither wins across the board: weigh the points above against your use case before choosing between CoinJar Card and Gemini Credit Card.
Which is cheaper, CoinJar Card or Gemini Credit Card?
On the standard spending profile CoinJar Card has the lowest net annual cost: €0 versus €0 for Gemini Credit Card.
Which offers more cashback, CoinJar Card or Gemini Credit Card?
Gemini Credit Card has the highest cashback: up to 4%. Note the top rate often requires token staking and is subject to spending caps.
Is CoinJar Card custodial or self-custody?
CoinJar Card is custodial: funds are held by the platform, while Gemini Credit Card is custodial.
Which is better for spending abroad?
For foreign-currency spending Gemini Credit Card wins, with the lowest FX markup: 0%.