Gemini Credit Card vs Plasma One
Gemini Credit Card scores 12/16, Plasma One scores 10/16 on the CBL Card Score. Here is every criterion side by side.
 Gemini Credit Card |  Plasma One | |
|---|---|---|
| Custody | 1 of 2 | 2 of 2 |
| Issuer and licence | 2 of 2 | 1 of 2 |
| Availability | 0 of 2 | 1 of 2 |
| FX fee on a foreign-currency purchase | 2 of 2 | 0 of 2 |
| Funding cost | 2 of 2 | 1 of 2 |
| Apple Pay and Google Pay | 2 of 2 | 2 of 2 |
| Freeze and dispute policy | 2 of 2 | 1 of 2 |
| Yield on idle balance | 1 of 2 | 2 of 2 |
| Total | 12 | 10 |
The short verdict: Gemini Credit Card leads overall (12 to 10). 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). |
| Plasma One | Paid in XPL. Lite 2% headline, laddered by spend band in the help centre. Core 3% on the first $1,000 a month, 2% on the next $1,000, 1% on the next $1,000, 0.25% after that, plus 5% on AI subscriptions up to $500 a month. Platinum 4% on the first $3,000, 3% on the next $7,000, 2% on the next $5,000, 1% after that, plus 10% on AI spend and on eligible flights up to $600 a year (official, tier pages and rewards addendum, checked 20 Oct 2026). "Rates are variable and subject to change" (official). |
Cashback is shown as a dated fact and never scored.