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Comparison

Flex Business Card vs. Gemini Credit Card compared

In short

  • Flex Business Card has the higher score (69.69).
Attribute Flex Business CardFlexbase Technologies, Inc. KYC unknown Business Virtual Physical Gemini Credit CardGemini Requires KYC Private Virtual Physical Metal
Score good average
CostsWeight 25 % 100 100
KYC and privacyWeight 20 % not scored 35
FeaturesWeight 15 % 100 93
AvailabilityWeight 10 % 17 17
RewardsWeight 10 % 57 52
TrustWeight 10 % 73 72
CommunityWeight 10 % not scored not scored
KYC KYC unknown KYC: ID document
Limits (entry level) no limits captured no limits captured
Basics
Card form credit Source and check Source flex.one Wording at the source Flexbase Technologies, Inc. ("Flex") is a financial technology company, not a bank. Flex Business Banking and banking services provided by Column N.A., Member FDIC. The Flex Business Reward Card is a... Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? credit Source and check Source gemini.com Wording at the source The Gemini Credit Card® Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Card types (differs) virtual, physical Source and check Source flex.one Wording at the source - Virtual and physical cards Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? virtual, physical, metal Source and check Source gemini.com Wording at the source Once verified, we will issue a digital version of your credit card. You can add this card to Apple Pay, Google Pay, and Samsung Pay or you can also use it for online purchases. To access your card det... Checked Verified Check overdue · last 29 Oct 2026 Value wrong? History What does [s] mean?
Card network (differs) Visa Source and check Source flex.one Wording at the source Flexbase Technologies, Inc. ("Flex") is a financial technology company, not a bank. Flex Business Banking and banking services provided by Column N.A., Member FDIC. The Flex Business Reward Card is a... Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? Mastercard Source and check Source gemini.com Wording at the source Mastercard® World Elite Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Custody (differs) unknown custodial Source and check Source gemini.com Wording at the source ANY DIRECT DAMAGES IN EXCESS OF (IN THE AGGREGATE) THE VALUE OF ANY OF YOUR ALLEGEDLY LOST REWARDS AMOUNT IN THE CUSTODY OF GEMINI AT THE TIME OF LOSS. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Funding model credit line Source and check Source flex.one Wording at the source Flexbase Technologies, Inc. ("Flex") is a financial technology company, not a bank. Flex Business Banking and banking services provided by Column N.A., Member FDIC. The Flex Business Reward Card is a... Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? credit line Source and check Source gemini.com Wording at the source You understand that by checking the box, you are providing written instructions to us to obtain information from your personal credit report or other information that we will use when considering your... Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Card currencies USD Source and check Source flex.one Wording at the source $5,000,000 Eligible spend = $100,000 Cashback Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? USD Source and check Source gemini.com Wording at the source The Gemini Credit Card is a reward credit card that allows you to use U.S. dollars and earn rewards in bitcoin or other accepted crypto, with rewards automatically added to your Gemini account. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Usage (differs) business Source and check Source flex.one Wording at the source The Flex Reward Card turns everyday business spend into a source of return and control. Earn high cashback on every dollar your company spends, and issue unlimited physical and virtual cards to employ... Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? personal Source and check Source gemini.com Wording at the source The Rewards Program enables eligible Gemini customers to receive digital asset rewards ("Rewards") on certain Qualifying Purchase Transactions (defined below) made using the Gemini Mastercard® Credit... Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Issuer / BIN sponsor (differs) Column, N.A. Source and check Source flex.one Wording at the source Flexbase Technologies, Inc. ("Flex") is a financial technology company, not a bank. Flex Business Banking and banking services provided by Column N.A., Member FDIC. The Flex Business Reward Card is a... Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? WebBank Source and check Source gemini.com Wording at the source The Gemini Credit Card is issued by WebBank. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Limits depend on (differs) user setting Source and check Source flex.one Wording at the source Set limits, categories, and approval rules on any card the moment you issue it, through the dashboard. Out-of-policy purchases are flagged or blocked automatically, before they ever hit your books. Gi... Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? unknown
Cards per account unknown unknown
Availability
Available in Available in: United States Source and check Source flex.one Wording at the source Reward Card US only Coming Soon Business Personal Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? Available in: United States Source and check Source gemini.com Wording at the source We began onboarding waitlist members earlier this year, and given the overwhelming response, the Gemini Credit Card is now available to eligible individuals in all 50 U.S. states. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Crypto
Supported assets (differs) not applicable Source and check Source flex.one Wording at the source Flex brings together four products under one platform: Global Banking for local-currency accounts and cross-border payments, stablecoins for a dollar account that moves anywhere in as little as second... Checked Verified Check overdue · last 29 Oct 2026 Add this value? Unchanged since 29 Oct 2026 What does [s] mean? BTC, ETH, SOL, XRP, FET, RNDR, LPT Source and check Source gemini.com Wording at the source Gemini Credit Card holders benefited immensely from bitcoin and ether's recent rallies in particular. The value of bitcoin crypto rewards held by cardholders have appreciated by 141.3%, while ether re... Checked Verified Check overdue · last 29 Oct 2026 Value wrong? History What does [s] mean?
Number of supported assets (differs) not applicable Source and check Source flex.one Wording at the source Flex brings together four products under one platform: Global Banking for local-currency accounts and cross-border payments, stablecoins for a dollar account that moves anywhere in as little as second... Checked Verified Check overdue · last 29 Oct 2026 Add this value? Unchanged since 29 Oct 2026 What does [s] mean? 50 Source and check Source gemini.com Wording at the source Earn XRP, bitcoin, or 50+ crypto available on Gemini. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Top-up networks not applicable Source and check Source flex.one Wording at the source Flexbase Technologies, Inc. ("Flex") is a financial technology company, not a bank. Flex Business Banking and banking services provided by Column N.A., Member FDIC. The Flex Business Reward Card is a... Checked Verified Check overdue · last 29 Oct 2026 Add this value? Unchanged since 29 Oct 2026 What does [s] mean? not applicable Source and check Source gemini.com Wording at the source You understand that by checking the box, you are providing written instructions to us to obtain information from your personal credit report or other information that we will use when considering your... Checked Verified Check overdue · last 29 Oct 2026 Add this value? Unchanged since 29 Oct 2026 What does [s] mean?
Fiat top-up not applicable Source and check Source flex.one Wording at the source Flexbase Technologies, Inc. ("Flex") is a financial technology company, not a bank. Flex Business Banking and banking services provided by Column N.A., Member FDIC. The Flex Business Reward Card is a... Checked Verified Check overdue · last 29 Oct 2026 Add this value? Unchanged since 29 Oct 2026 What does [s] mean? not applicable Source and check Source gemini.com Wording at the source You understand that by checking the box, you are providing written instructions to us to obtain information from your personal credit report or other information that we will use when considering your... Checked Verified Check overdue · last 29 Oct 2026 Add this value? Unchanged since 29 Oct 2026 What does [s] mean?
Payments
Mobile wallets (differs) unknown Apple Pay Google Pay Samsung Pay Source and check Source gemini.com Wording at the source Yes, the Gemini Credit Card works with Apple Pay, Google Pay, and Samsung Pay. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
ATM withdrawals (differs) unknown Yes Source and check Source gemini.com Wording at the source The following transactions are NOT considered purchases and are NOT Qualifying Purchase Transactions and you will NOT be eligible to receive Rewards for such transactions: - ATM transactions; - Card... Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Contactless unknown unknown
Fees
Virtual card issuance (differs) 0.00 USD Source and check Source flex.one Wording at the source Unlimited physical and virtual cards Free Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? unknown
Physical card issuance (differs) 0.00 USD Source and check Source flex.one Wording at the source Unlimited physical and virtual cards Free Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? unknown
Free cards unknown unknown
Shipping unknown unknown
Monthly fee (differs) 0.00 USD Source and check Source flex.one Wording at the source Flex is free to set up and use. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? unknown
Annual fee 0.00 USD Source and check Source flex.one Wording at the source Flex is free to set up and use. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? 0.00 USD Source and check Source gemini.com Wording at the source Earn up to 4% crypto back on every purchase with no annual fee Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Top-up fee unknown unknown
Crypto deposit fee unknown unknown
Crypto conversion fee (differs) unknown 0 % Source and check Source gemini.com Wording at the source No annual fee. Plus, no foreign transaction fees and no exchange fees to acquire your crypto rewards. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Foreign currency fee (differs) unknown 0 % Source and check Source gemini.com Wording at the source No foreign transaction fees Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
FX free allowance unknown unknown
Minimum FX fee unknown unknown
ATM fee unknown unknown
Declined payment fee unknown unknown
Refund fee unknown unknown
Inactivity fee unknown unknown
Minimum monthly spend unknown unknown
Inactivity rule (differs) unknown If you never use your digital card and don't activate your physical card within 60 days, Gemini may close your card, in accordance with, the cardholder agreement. Source and check Source support.gemini.com Wording at the source If you never use your digital card and don't activate your physical card within 60 days, Gemini may close your card, in accordance with, the cardholder agreement. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Card replacement unknown unknown
Rewards
Cashback (differs) 1.75–2 % Two sources, two values Shown1.75–2 % flex.onechecked 29 Oct 2026 Earn up to 2% cashback on all business spend, with no categories to track or caps to manage. Rewards accrue automatically and can be applied to your balance, transferred as points, or deposited into y... Differingvalue not recorded flex.onefetched 29 Oct 2026 Our verifier confirmed the shown value; the differing source is being checked. Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? 4 % (spend from 0/month); 3 % (spend from 0/month); 2 % (spend from 0/month); 1 % (spend from 0/month) · in BTC
Referral bonus (invited friend) unknown unknown
Referral bonus (you) unknown unknown
Welcome bonus unknown unknown

Highlighted rows differ.

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