Wirex One vs Gemini Credit Card
Wirex One scores 13/16, Gemini Credit Card scores 12/16 on the CBL Card Score. Here is every criterion side by side.
 Wirex One |  Gemini Credit Card | |
|---|---|---|
| Custody | 1 of 2 | 1 of 2 |
| Issuer and licence | 2 of 2 | 2 of 2 |
| Availability | 2 of 2 | 0 of 2 |
| FX fee on a foreign-currency purchase | 2 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 | 1 of 2 | 1 of 2 |
| Total | 13 | 12 |
The short verdict: Wirex One leads overall (13 to 12). Self-custodial wallet, card settlement route not stated, 0% FX, variable spread on crypto sales FX. Health: Watch. Check each profile for what still needs confirming before deciding.
Cashback, as of 20 Oct 2026
| Wirex One | Base 0.5%, Premium 1%, Elite 3%, Private 5%, Bespoke 8%, paid in USD; monthly caps $25, $100, $300, $1,000, $2,000; ATM withdrawals, crypto purchases, gambling and 30-plus merchant categories excluded (official). |
| 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.