Gemini Credit Card vs KeyOne
The short answer
Winner: Gemini Credit Card — 6.6/10 versus 6/10. It leads on the blend of fees, trust, and community sentiment.
Updated July 2026
Gemini Credit Card
KYC
KeyOne
KYC
Score
Annual fee
Free
Free
Monthly fee
Free
Free
Cashback
4%
0%
ATM fee
3%
Free
FX fee
Free
Free
Per transaction
Unlimited
Unlimited
Daily limit
Unlimited
Unlimited
Monthly limit
Unlimited
$30k
KYC
KYC
KYC
Card type
Credit
Prepaid
Custody
Custodial
Non-custodial
Conversion fee
Free
Free
ATM per transaction
Unlimited
Unlimited
Network
mastercard
visa
IBAN
✗
✗
Apple Pay
✓
✓
Google Pay
✓
✗
Countries
1
41
Coins
BTC, ETH, MATIC, SOL, USDC, XRP
USDC, USDT
Gemini Credit Card vs KeyOne FAQ
On our composite score Gemini Credit Card edges ahead (6.6/10 vs 6/10). The right pick still comes down to what you weigh most — fees, privacy, or cashback.