Comparison
Gemini Credit Card vs. PayitFast Card: fees, limits & KYC
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Illustration
Drawn by us from the provider logo and card colours, not the official card picture.
Drawn on
Gemini Credit CardGemini
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Illustration
Drawn by us from the provider logo and card colours, not the official card picture.
Drawn on
PayitFast CardPayitFast
In short
- Gemini Credit Card has the lowest foreign currency fee (0 %).
- Gemini Credit Card has the best score (66.04).
| Attribute |
Gemini Credit CardGemini
|
PayitFast CardPayitFast
|
|---|---|---|
| Overview | Requires KYC Private Virtual Physical Metal | Requires KYC Private Virtual Physical Metal |
| Score | good | average with variant Dynamic CVV Metal/ LED (waitlist): 63.89 with variant Signature Jewellery (waitlist): 63.89 |
| CostsWeight 25 % | 100 | 74 |
| KYC and privacyWeight 20 % | 35 | 35 |
| FeaturesWeight 15 % | 100 | 93 |
| AvailabilityWeight 10 % | 17 | not scored |
| RewardsWeight 10 % | 52 | 77 |
| TrustWeight 10 % | 72 | 68 |
| CommunityWeight 10 % | not scored | not scored |
| KYC | KYC: ID document | KYC: ID document |
| Limits (entry level) |
|
|
| Basics | ||
| Card formsame for all |
credit
gemini.com checked 29 Oct 2026
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? |
credit
payitfast.com checked 29 Oct 2026
Source and check
Source
payitfast.com
Wording at the source
The PayitFast Card is a collateralized credit card. The credit limit available on your PayitFast Card will be determined by reference to the Market Value of your Collateral and any applicable advance...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Card types (differs)same for all |
virtual, physical, metal
gemini.com checked 29 Oct 2026
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? |
virtual
payitfast.com checked 29 Oct 2026
Source and check
Source
payitfast.com
Wording at the source
| Card issuance (Virtual Platinum) | $5 | Virtual, instant after KYC |Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
physical
payitfast.com checked 29 Oct 2026
Source and check
Source
payitfast.com
Wording at the source
| Physical card issuance (Signature, PVC) | $50 | Join waitlist |Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
physical, metal
payitfast.com checked 29 Oct 2026
Source and check
Source
payitfast.com
Wording at the source
| ATM per-withdrawal limit (Dynamic CVV Metal/ LED) | $5,000 |Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
physical
payitfast.com checked 29 Oct 2026
Source and check
Source
payitfast.com
Wording at the source
| ATM per-withdrawal limit (Signature Jewellery) | $10,000 |Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Card network (differs)same for all |
Mastercard
gemini.com checked 29 Oct 2026
Source and check
Source
gemini.com
Wording at the source
Mastercard® World EliteChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
Visa
payitfast.com checked 29 Oct 2026
Source and check
Source
payitfast.com
Wording at the source
The card program is issued by the Issuer under license from Visa.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Custodysame for all |
custodial
gemini.com checked 29 Oct 2026
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? |
custodial
payitfast.com checked 29 Oct 2026
Source and check
Source
payitfast.com
Wording at the source
"Custodian" means Fireblocks, or another custody or wallet infrastructure provider approved by PayitFast and Rain for the holding and administration of Assets.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Funding modelsame for all |
credit line
gemini.com checked 29 Oct 2026
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? |
credit line
payitfast.com checked 29 Oct 2026
Source and check
Source
payitfast.com
Wording at the source
The PayitFast Card is a collateralized credit card. The credit limit available on your PayitFast Card will be determined by reference to the Market Value of your Collateral and any applicable advance...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Card currenciessame for all |
USD
gemini.com checked 29 Oct 2026
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? |
USD
payitfast.com checked 29 Oct 2026
Source and check
Source
payitfast.com
Wording at the source
Available in USD with US BIN. Additional BINs and supported jurisdictions may be introduced in the future, subject to regulatory approval, commercial arrangements and operational readiness.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Usagesame for all |
personal
gemini.com checked 29 Oct 2026
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? |
personal
payitfast.com checked 29 Oct 2026
Source and check
Source
payitfast.com
Wording at the source
- You will use the PayitFast Card for personal, family, or household use.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Issuer / BIN sponsor (differs)same for all |
WebBank
gemini.com checked 29 Oct 2026
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? |
Third National Bank
payitfast.com checked 29 Oct 2026
Source and check
Source
payitfast.com
Wording at the source
"Issuer" refers to Third National Bank, and any successor or permitted assignee that assumes responsibility as issuer of the PayitFast Card.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Limits depend on (differs)same for all |
not applicable
support.gemini.com checked 30 Oct 2026
Source and check
Source
support.gemini.com
Wording at the source
Your credit limit and APR are provided when you are approved for the account.Checked Verified Check overdue · last 30 Oct 2026 Add this value? Unchanged since 30 Oct 2026 What does [s] mean? |
KYC level, plan, account tier, user setting
payitfast.com checked 29 Oct 2026
Source and check
Source
payitfast.com
Wording at the source
Actual fees, exchange rates, processing times, and limits may vary depending on your location, card tier, payment method, blockchain network conditions, third-party service providers, and applicable r...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Cards per accountsame for all | unknown | |
| Unknown for all | Cards per account | |
| Availability | ||
| Available in (differs)same for all |
Available in: United States
gemini.com checked 29 Oct 2026
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? |
only in the app
payitfast.com checked 29 Oct 2026
Source and check
Source
payitfast.com
Wording at the source
Certain countries may be temporarily unavailable due to regulatory, compliance, or operational requirements. If your country does not appear in the verification list, onboarding services are currently...Checked Verified Check overdue · last 29 Oct 2026 Add this value? Unchanged since 29 Oct 2026 What does [s] mean? |
| Crypto | ||
| Supported assets (differs)same for all |
BTC, ETH, USDT, USDC, SOL, BNB, XRP, TRX, TON, DOGE, LTC, POL
support.gemini.com checked 30 Oct 2026
Source and check
Source
support.gemini.com
Wording at the source
Gemini Credit Card supports different digital asset reward options depending on whether your Gemini Exchange account is with Gemini Trust Company, LLC or Gemini Moonbase, LLC, which is determined by y...Checked Verified Check overdue · last 30 Oct 2026 Value wrong? History What does [s] mean? + 63 moreBTCETHUSDTUSDCSOLBNBXRPTRXTONDOGELTCPOLAVAXDAILINKBCHDOTMATICARBOPSHIBSUIATOMUNIAAVEWLDAPEBATBONKCHILLGUYFETFILGRTGUSDHYPEJUPMANAMONPAXGPEPEPOPCATRNDRSANDTRUMPUMAUSD1WIFXTZZECRLUSDALIAMPCTXCRVELONENSGALAIMXINJQNTSKLCUBEYFIEULWCTWLFIDRIFTJTOJITOSOLKMNO2ZFARTCOINHNTPENGUPUMP |
BTC, ETH, USDT, USDC, SOL, BNB, XRP, ADA, DOGE, TRX, DOT, AVAX, XLM, SUI
payitfast.com checked 29 Oct 2026
Source and check
Source
payitfast.com
Wording at the source
| Network | Supported assets | Deposit fee | Withdrawal fee | |---|---|---|---| | Ethereum (ERC-20) | ETH, USDC, USDT, DOGE | Free (excl. network fees) | Network fee only | | BSC (Binance Smart Chain)...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Number of supported assetssame for all |
50
gemini.com checked 29 Oct 2026
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 (differs)same for all |
not applicable
gemini.com checked 29 Oct 2026
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? |
Bitcoin, Ethereum, Tron, Solana, BNB Smart Chain, Polygon, Arbitrum, Optimism, Avalanche, Stellar, Sui, XRP Ledger
payitfast.com checked 29 Oct 2026
Source and check
Source
payitfast.com
Wording at the source
| Network | Supported assets | Deposit fee | Withdrawal fee | |---|---|---|---| | Ethereum (ERC-20) | ETH, USDC, USDT, DOGE | Free (excl. network fees) | Network fee only | | BSC (Binance Smart Chain)...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? + 3 moreBitcoinEthereumTronSolanaBNB Smart ChainPolygonArbitrumOptimismAvalancheStellarSuiXRP LedgerCardanoDogecoinPolkadot |
| Fiat top-up (differs)same for all |
not applicable
gemini.com checked 29 Oct 2026
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? |
Yes
payitfast.com checked 29 Oct 2026
Source and check
Source
payitfast.com
Wording at the source
Fund your account through cards, digital wallets, bank transfer, or crypto.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Payments | ||
| Mobile wallets (differs)same for all |
Apple Pay
Google Pay
Samsung Pay
gemini.com checked 29 Oct 2026
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? |
Apple Pay
Google Pay
payitfast.com checked 29 Oct 2026
Source and check
Source
payitfast.com
Wording at the source
Link your wallet and load stablecoins to make payment via Apple Pay or Google Pay.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| ATM withdrawalssame for all |
Yes
gemini.com checked 29 Oct 2026
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? |
Yes
payitfast.com checked 29 Oct 2026
Two sources, two values
ShownYes
payitfast.comchecked 29 Oct 2026
### ATM WITHDRAWAL FEES & LIMITS | Item | Amount | |---|---| | ATM withdrawal fee (USD) | $2 flat + 1.30% of amount |DifferingNo payitfast.comfetched 29 Oct 2026 Cash advances and balance transfers are not available under these Card Terms.Our verifier confirmed the shown value; the differing source is being checked. Check overdue · last 29 Oct 2026 Value wrong? History What does [s] mean? |
| Contactlesssame for all | unknown |
Yes
payitfast.com checked 29 Oct 2026
Source and check
Source
payitfast.com
Wording at the source
| Contactless (tap to pay) | 0% |Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Fees | ||
| Virtual card issuancesame for all | unknown |
5.00 USD
payitfast.com checked 29 Oct 2026
Source and check
Source
payitfast.com
Wording at the source
| Card issuance (Virtual Platinum) | $5 | Virtual, instant after KYC |Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Physical card issuancesame for all | unknown |
50.00 USD
payitfast.com checked 29 Oct 2026
Source and check
Source
payitfast.com
Wording at the source
| Physical card issuance (Signature, PVC) | $50 | Join waitlist |Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Free cardssame for all | unknown | |
| Shippingsame for all | unknown | |
| Monthly feesame for all | unknown |
0.00 USD
payitfast.com checked 29 Oct 2026
Source and check
Source
payitfast.com
Wording at the source
| Monthly card fee | Free | No maintenance fee |Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Annual feesame for all |
0.00 USD
gemini.com checked 29 Oct 2026
Source and check
Source
gemini.com
Wording at the source
Earn up to 4% crypto back on every purchase with no annual feeChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
|
| Top-up feesame for all |
not applicable
gemini.com checked 29 Oct 2026
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? |
|
| Crypto deposit feesame for all | unknown | |
| Crypto conversion fee (differs)same for all |
0 %
gemini.com checked 29 Oct 2026
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? |
0.75 %
payitfast.com checked 29 Oct 2026
Source and check
Source
payitfast.com
Wording at the source
| Crypto conversion (spend from crypto balance) | 0.75% per transaction |Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Foreign currency fee (differs)same for all |
0 %
gemini.com checked 29 Oct 2026
Source and check
Source
gemini.com
Wording at the source
No foreign transaction feesChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
1 %
payitfast.com checked 29 Oct 2026
Two sources, two values
Shown1 %
payitfast.comchecked 29 Oct 2026
| FX fee (all non-USD transactions) | 1% |Differing2.2 % payitfast.comfetched 29 Oct 2026 - Foreign Exchange Fee (non USD): 2.2%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? |
| FX free allowancesame for all | unknown | |
| Minimum FX feesame for all | unknown | |
| ATM feesame for all | unknown |
1.3 % + 2.00 USD
payitfast.com checked 29 Oct 2026
Source and check
Source
payitfast.com
Wording at the source
| ATM withdrawal fee (USD) | $2 flat + 1.30% of amount |Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Transaction feesame for all | unknown |
free
payitfast.com checked 29 Oct 2026
Source and check
Source
payitfast.com
Wording at the source
| Card spend (USD) | 0% |Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Cross-border feesame for all | unknown |
2.2 %
payitfast.com checked 29 Oct 2026
Source and check
Source
payitfast.com
Wording at the source
- Cross Border Fee: 2.2%Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Withdrawal feesame for all | unknown | |
| Activation feesame for all | unknown | |
| Minimum top-upsame for all | unknown | |
| Declined payment feesame for all | unknown |
2.00 USD
payitfast.com checked 29 Oct 2026
Source and check
Source
payitfast.com
Wording at the source
| Decline fee (insufficient balance) | $2 per decline |Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Refund feesame for all | unknown | |
| Inactivity feesame for all | unknown | |
| Minimum monthly spendsame for all | unknown | |
| Inactivity rulesame for all |
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.
support.gemini.com checked 29 Oct 2026
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 replacementsame for all | unknown | |
| Unknown for all | Free cards · Shipping · Crypto deposit fee · FX free allowance · Minimum FX fee · Withdrawal fee · Activation fee · Minimum top-up · Refund fee · Inactivity fee · Minimum monthly spend · Card replacement | |
| Rewards | ||
| Cashback (differs)same for all | 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)same for all | unknown |
not published
payitfast.com checked 29 Oct 2026
Source and check
Source
payitfast.com
Wording at the source
Referral rewards may be offered to: - the referring participant; - the referred customer; or - both, subject to the conditions of the applicable promotion.Checked Verified Add this value? No earlier versions What does [s] mean? |
| Referral bonus (you)same for all | unknown |
not published
payitfast.com checked 29 Oct 2026
Source and check
Source
payitfast.com
Wording at the source
The availability, value, form, eligibility requirements and payment conditions of any referral reward will be displayed in the PayitFast app, website or applicable promotional materials for the releva...Checked Verified Add this value? No earlier versions What does [s] mean? |
| Welcome bonussame for all | unknown | |
| Unknown for all | Welcome bonus | |
Values of the chosen variant; without a choice the entry variant (first in the provider's order).
Early warning
Watch both cards
One mail when something changes at Gemini Credit Card · PayitFast Card: promotions and bonuses as well as warnings and incidents.