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Gemini Credit Card vs Upgrade Bitcoin Rewards Card

A head-to-head breakdown of rewards, fees, limits, card features, and availability.

Gemini Credit Card card

Gemini

Gemini Credit Card

CIR score4.5

The Gemini Crypto Credit Card is a Mastercard crypto credit card. You can earn up to 3% in rewards in the cryptocurrency of choice, with no annual fee. Gemini Credit Card allows you to earn crypto back in your choice of

VS
Upgrade Bitcoin Rewards Card card

Visa

Upgrade Bitcoin Rewards Card

CIR score3.9

Upgrade is offering a Bitcoin specific rewards card, allowing you to earn rewards directly in Bitcoin. Earn unlimited 1.5% back on all purchases when you pay them off Manage your Bitcoin in the Upgrade app, sell or redee

Card basics

Card type
Gemini Credit CardCredit
Upgrade Bitcoin Rewards CardCredit
Network
Gemini Credit CardMastercard
Upgrade Bitcoin Rewards CardVisa
Availability
Gemini Credit CardNow
Upgrade Bitcoin Rewards CardNow
Material
Gemini Credit CardMetal
Upgrade Bitcoin Rewards CardPlastic

Fees and limits

Annual fee
Gemini Credit CardNone
Upgrade Bitcoin Rewards CardNone
Foreign transaction fee
Gemini Credit CardNone
Upgrade Bitcoin Rewards Card3
Annual rewards spend cap
Gemini Credit CardNot listed
Upgrade Bitcoin Rewards CardNot listed

Crypto rewards

Best advertised rate
Gemini Credit Card4%
Upgrade Bitcoin Rewards Card1.5%
All purchases
Gemini Credit Card1%
Upgrade Bitcoin Rewards Card1.5%
Dining
Gemini Credit Card3%
Upgrade Bitcoin Rewards Card
Groceries
Gemini Credit Card2%
Upgrade Bitcoin Rewards Card
Entertainment
Gemini Credit Card
Upgrade Bitcoin Rewards Card
Fuel
Gemini Credit Card4%
Upgrade Bitcoin Rewards Card
Travel
Gemini Credit Card
Upgrade Bitcoin Rewards Card