# Gemini Credit Card vs. PayitFast Card: fees, limits & KYC

- Gemini Credit Card has the lowest foreign currency fee (0 %).
- Gemini Credit Card has the best score (66.04).

Entry variant: PayitFast Card: Virtual Platinum.

## Basics

|  | Gemini Credit Card | PayitFast Card |
| --- | --- | --- |
| Card form | credit | credit |
| **Card types** | virtual, physical, metal | virtual |
| **Card network** | Mastercard | Visa |
| Custody | custodial | custodial |
| Funding model | credit line | credit line |
| Card currencies | USD | USD |
| Usage | personal | personal |
| **Issuer / BIN sponsor** | WebBank | Third National Bank |
| **Limits depend on** | not applicable | KYC level, plan, account tier, user setting |
| Cards per account | unknown | unknown |

## Availability

|  | Gemini Credit Card | PayitFast Card |
| --- | --- | --- |
| **Available in** | Available in: United States | only in the app |

## Crypto

|  | Gemini Credit Card | PayitFast Card |
| --- | --- | --- |
| **Supported assets** | BTC, ETH, USDT, USDC, DAI, SOL, BNB, XRP, DOGE, TRX, TON, LTC, BCH, DOT, AVAX, POL, MATIC, LINK, ARB, OP, SHIB, SUI, ATOM, UNI, AAVE, WLD, APE, BAT, BONK, CHILLGUY, FET, FIL, GRT, GUSD, HYPE, JUP, MANA, MON, PAXG, PEPE, POPCAT, RNDR, SAND, TRUMP, UMA, USD1, WIF, XTZ, ZEC, RLUSD, ALI, AMP, CTX, CRV, ELON, ENS, GALA, IMX, INJ, QNT, SKL, CUBE, YFI, EUL, WCT, WLFI, DRIFT, JTO, JITOSOL, KMNO, 2Z, FARTCOIN, HNT, PENGU, PUMP | BTC, ETH, USDT, USDC, SOL, BNB, XRP, ADA, DOGE, TRX, DOT, AVAX, XLM, SUI |
| Number of supported assets | 50 | unknown |
| **Top-up networks** | not applicable | Bitcoin, Ethereum, Tron, BNB Smart Chain, Solana, Polygon, Arbitrum, Optimism, Avalanche, Stellar, Sui, XRP Ledger, Cardano, Dogecoin, Polkadot |
| **Fiat top-up** | not applicable | Yes |

## Payments

|  | Gemini Credit Card | PayitFast Card |
| --- | --- | --- |
| **Mobile wallets** | Apple Pay, Google Pay, Samsung Pay | Apple Pay, Google Pay |
| ATM withdrawals | Yes | Yes |
| Contactless | unknown | Yes |

## Fees

|  | Gemini Credit Card | PayitFast Card |
| --- | --- | --- |
| Virtual card issuance | unknown | 5.00 USD |
| Physical card issuance | unknown | unknown |
| Free cards | unknown | unknown |
| Shipping | unknown | unknown |
| Monthly fee | unknown | 0.00 USD |
| Annual fee | 0.00 USD | unknown |
| Top-up fee | not applicable | unknown |
| Crypto deposit fee | unknown | unknown |
| **Crypto conversion fee** | 0 % | 0.75 % |
| **Foreign currency fee** | 0 % | 1 % |
| FX free allowance | unknown | unknown |
| Minimum FX fee | unknown | unknown |
| ATM fee | unknown | 1.3 % + 2.00 USD |
| Transaction fee | unknown | free |
| Cross-border fee | unknown | 2.2 % |
| Withdrawal fee | unknown | unknown |
| Activation fee | unknown | unknown |
| Minimum top-up | unknown | unknown |
| Declined payment fee | unknown | 2.00 USD |
| Refund fee | unknown | unknown |
| Inactivity fee | unknown | unknown |
| Minimum monthly spend | unknown | unknown |
| Inactivity rule | 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. | unknown |
| Card replacement | unknown | unknown |

## Rewards

|  | Gemini Credit Card | PayitFast Card |
| --- | --- | --- |
| **Cashback** | 4 % (spend from 0/month); 3 % (spend from 0/month); 2 % (spend from 0/month); 1 % (spend from 0/month) · in BTC | 3 % (Standard · cap 60.00 USDC/month); 3 % (Elite · cap 1,500.00 USDC/month) · in USDC |
| Referral bonus (invited friend) | unknown | not published |
| Referral bonus (you) | unknown | not published |
| Welcome bonus | unknown | unknown |

## Limits (entry level)

|  | Gemini Credit Card | PayitFast Card |
| --- | --- | --- |
| Limits (entry level) | Spending per billing cycle only in the app | Spending per day 100,000 USD · Spending per month only in the app · Balance in total only in the app |

- [Gemini Credit Card](https://cryptocardss.com/en/gemini-credit-card.md)
- [PayitFast Card](https://cryptocardss.com/en/payitfast-card.md)

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- **Canonical URL:** https://cryptocardss.com/en/compare/gemini-credit-card-vs-payitfast-card/
- **As of:** 30 Oct 2026
- **Data licence:** CC BY 4.0 (https://creativecommons.org/licenses/by/4.0/)

Please cite: Source: cryptocardss.com (cryptovss), as of 30 Oct 2026, https://cryptocardss.com/en/compare/gemini-credit-card-vs-payitfast-card/