Gemini Credit Card vs Onboard Card
The short answer
Winner: Gemini Credit Card — 6.6/10 versus 5.5/10. It leads on the blend of fees, trust, and community sentiment.
Updated July 2026
Gemini Credit Card
KYC
Onboard Card
KYC
Score
Annual fee
Free
Free
Monthly fee
Free
Free
Cashback
4%
0%
ATM fee
3%
Free
FX fee
Free
2%
Per transaction
Unlimited
Unlimited
Daily limit
Unlimited
$5k
Monthly limit
Unlimited
Unlimited
KYC
KYC
KYC
Card type
Credit
Prepaid
Custody
Custodial
Non-custodial
Conversion fee
Free
0.35%
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 Onboard Card FAQ
On our composite score Gemini Credit Card edges ahead (6.6/10 vs 5.5/10). The right pick still comes down to what you weigh most — fees, privacy, or cashback.