Gemini Credit Card vs Brighty Card
The short answer
Winner: Gemini Credit Card — 6.6/10 versus 5.9/10. It leads on the blend of fees, trust, and community sentiment.
Updated July 2026
Gemini Credit Card
KYC
BC
Brighty Card
KYC
Score
Annual fee
Free
Free
Monthly fee
Free
Free
Cashback
4%
1%
ATM fee
3%
3.5%
FX fee
Free
2%
Per transaction
Unlimited
Unlimited
Daily limit
Unlimited
$15k
Monthly limit
Unlimited
Unlimited
KYC
KYC
KYC
Card type
Credit
Debit
Custody
Custodial
Custodial
Conversion fee
Free
1.4%
ATM per transaction
Unlimited
$150
Network
mastercard
mastercard
IBAN
✗
✓
Apple Pay
✓
✓
Google Pay
✓
✓
Countries
1
17
Coins
BTC, ETH, MATIC, SOL, USDC, XRP
BNB, BTC, ETH, MATIC, SOL, TON, USDC
Gemini Credit Card vs Brighty Card FAQ
On our composite score Gemini Credit Card edges ahead (6.6/10 vs 5.9/10). The right pick still comes down to what you weigh most — fees, privacy, or cashback.