Gemini Credit Card vs ZEN Card
The short answer
Winner: ZEN Card — 6.7/10 versus 6.6/10. It leads on the blend of fees, trust, and community sentiment.
Updated July 2026
Gemini Credit Card
KYC
ZEN Card
KYC
Score
Annual fee
Free
Free
Monthly fee
Free
Free
Cashback
4%
0%
ATM fee
3%
1.5%
FX fee
Free
0.5%
Per transaction
Unlimited
Unlimited
Daily limit
Unlimited
$10k
Monthly limit
Unlimited
Unlimited
KYC
KYC
KYC
Card type
Credit
Debit
Custody
Custodial
Custodial
Conversion fee
Free
2.5%
ATM per transaction
Unlimited
Unlimited
Network
mastercard
mastercard
IBAN
✗
✓
Apple Pay
✓
✓
Google Pay
✓
✓
Countries
1
25
Coins
BTC, ETH, MATIC, SOL, USDC, XRP
BTC, ETH, USDC, USDT
Gemini Credit Card vs ZEN Card FAQ
On our composite score ZEN Card edges ahead (6.7/10 vs 6.6/10). The right pick still comes down to what you weigh most — fees, privacy, or cashback.