Gemini Credit Card vs Bitrefill Card

Gemini Credit Card scores 12/16, Bitrefill Card scores 6/16 on the CBL Card Score. Here is every criterion side by side.

	Gemini Credit Card	Bitrefill Card
Custody	1 of 2	1 of 2
Issuer and licence	2 of 2	1 of 2
Availability	0 of 2	0 of 2
FX fee on a foreign-currency purchase	2 of 2	2 of 2
Funding cost	2 of 2	0 of 2
Apple Pay and Google Pay	2 of 2	1 of 2
Freeze and dispute policy	2 of 2	1 of 2
Yield on idle balance	1 of 2	0 of 2
Total	12	6

The short verdict: Gemini Credit Card leads overall (12 to 6). Custodial rewards; Gemini Trust states segregation, no foreign transaction fees FX. Health: Watch. Check each profile for what still needs confirming before deciding.

Cashback, as of 20 Oct 2026

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).

Bitrefill Card

1% on every crypto deposit and 1% on every purchase, "no cap", paid in EUR as Bitrefill store credit the same day the payment settles, no expiry (official, card page and card FAQ, checked 20 Oct 2026). Store credit buys gift cards, eSIMs and refills on bitrefill.com and cannot be withdrawn (official, FAQ). Bank withdrawals, cash-outs and ATM withdrawals earn nothing (official). Free eSIM of up to 20GB a month for depositing over €500 of crypto in the month (official, card page).

Cashback is shown as a dated fact and never scored.