ether.fi Cash vs Gemini Credit Card

ether.fi Cash scores 13/16, Gemini Credit Card scores 12/16 on the CBL Card Score. Here is every criterion side by side.

	ether.fi Cash	Gemini Credit Card
Custody	2 of 2	1 of 2
Issuer and licence	1 of 2	2 of 2
Availability	2 of 2	0 of 2
FX fee on a foreign-currency purchase	1 of 2	2 of 2
Funding cost	1 of 2	2 of 2
Apple Pay and Google Pay	2 of 2	2 of 2
Freeze and dispute policy	2 of 2	2 of 2
Yield on idle balance	2 of 2	1 of 2
Total	13	12

The short verdict: ether.fi Cash leads overall (13 to 12). Self-custodial, about 1% to 1.5% on Core FX. Health: Watch. Check each profile for what still needs confirming before deciding.

Cashback, as of 20 Oct 2026

ether.fi Cash

3% on the first $2,000 of monthly spend at Core, then 1% to $3,000 and 0.5% above; Luxe 3% to $10,000 and Pinnacle 3% to $50,000, stepping down the same way; VIP 4% on the first $50,000. Paid in ETHFI with a 7-day lock, $5 minimum to claim (official). The overall $1,000 monthly cap reported by cardpilled appears on no official page; the programme terms let ether.fi cap monthly rewards at its discretion.

Gemini Credit Card

4% in crypto on gas, EV charging and transit, on the first $300 of spend a month, then 1%; 3% on dining; 2% on groceries; 1% on everything else (official, card page, checked 20 Oct 2026). Rewards deposit when the transaction posts, in bitcoin or any of more than 50 cryptos on Gemini, switchable at any time (official). Vault Rewards of up to 10% at partner merchants, capped at a limited value per month (official, rewards agreement). Referral bonus of $50 in crypto per referral, up to 50 a year (official).

Cashback is shown as a dated fact and never scored.