Coinbase One Card scores higher overall (6.8 vs 6.4 on our preliminary scale), but Gemini Credit Card can still be the better choice depending on where you live and how you spend — see “Which to choose”.
Head-to-head
| Feature | Coinbase | Gemini | Better |
|---|---|---|---|
| Cashback without staking | 2% | 1% | Coinbase |
| Best cashback | Up to 4% | Up to 4% | Tie |
| Issuance fee | Free | Free | Tie |
| Monthly fee (entry tier) | $4.17 | Free | Gemini |
| FX fee (entry tier) | 0% | 0% | Tie |
| Available in US | Available | Available | Tie |
| Available in UK | Not available | Not available | Tie |
| Available in EEA | Not available | Not available | Tie |
| Network | American Expresssource | Mastercardsource | — |
| Card type | Credit | Credit | — |
| Staking or paid plan for best rate | Yes | No | — |
| Top-up | Not applicable (credit card, repaid monthly)source | Not applicable (credit card, repaid monthly)source | — |
| Free ATM per month | None — cash advances cost $10 or 5% (whichever is greater), 32.24% APRsource | None — cash advances cost $10 or 3% (whichever is greater), with a 29.74% APR from the transaction datesource | — |
Built from the verified facts in each review. “Better” is blank when either value is unverified.
Rewards compared
Coinbase One Card: entry-tier cashback 2%source, best rate Up to 4%source, paid in Bitcoinsource. The best rate needs a token stake, holding or paid plan.
Gemini Credit Card: entry-tier cashback 1%source, best rate Up to 4%source, paid in Bitcoin by default, or a chosen crypto from 50+ on Geminisource.
Fees compared
Example: you spend $1,000 a month on the entry tier, 20% of it in a foreign currency, and fund the card for free. Yearly result = entry-tier cashback − FX fees − monthly fees × 12.
| Card | Cashback | FX fees | Card fees | Net per year |
|---|---|---|---|---|
| Coinbase One Card | $240 | −$0 | −$50 | $190 |
| Gemini Credit Card | $120 | −$0 | −$0 | $120 |
Ignores issuance fees, ATM use, caps and token price moves. Fees are in each issuer’s currency for the region shown in the review. Run your own numbers.
Availability
Both issuers require identity verification (KYC). Not legal advice; an issuer can refuse any applicant.
Choose Coinbase One Card if…
- You want cashback without staking — 2% on the entry tier versus 1%.
- You are looking for a card for Coinbase One members in the US with large balances on Coinbase.
Choose Gemini Credit Card if…
- You want to keep fixed card fees as low as possible.
- You are looking for a card for US residents who want crypto rewards on a credit card with no annual fee.
FAQ
Which is better, Coinbase One Card or Gemini Credit Card?
Coinbase One Card scores higher overall (6.8 vs 6.4 on our preliminary scale), but Gemini Credit Card can still be the better choice depending on where you live and how you spend — see “Which to choose”.
Can I get Coinbase One Card or Gemini Credit Card in the US?
Coinbase One Card: Available. Gemini Credit Card: Available. Availability can change; check the issuer’s site before applying.