Zoomex Card vs Gemini Credit Card
On cashback Gemini Credit Card wins (up to 4%, but the full rate requires Nessuno). In our editorial rating Gemini Credit Card leads (4.4 vs 3.0). Neither wins across the board: weigh the points above against your use case before choosing between Zoomex Card and Gemini Credit Card.
| Zoomex Card | Gemini Credit Card | |
|---|---|---|
| Tier | B | A |
| Rating | ★ 3.0 | ★ 4.4 |
| Estimated net annual cost | €0 | €0 |
| Network | Mastercard | Mastercard World Elite |
| Fund custody | Custodial (platform holds funds) | — |
| Issuance fee | Free | Free |
| Annual fee | Free | Free |
| Free ATM limit | Nessun prelievo ATM: la carta e' solo virtuale e non supporta prelievi di contante. | Cash advance fee |
| ATM withdrawal | Free | Free |
| FX markup | 0% | 0% |
| Cashback | Not disclosed | 4% in 50+ cryptocurrencies · Nessuno |
| Contactless | Yes | Yes |
| Virtual card | Yes | Yes |
| KYC | Full | Full |
| Privacy | 2/10 | 3/10 |
| Supported countries | EEA, UK, APAC | US · 1+ countries |
| Funding / solidity | Zoomex e' un exchange di derivati crypto fondato nel 2021, con oltre 3 milioni di utenti in piu' di 35 regioni. La carta e' emessa in collaborazione con UR, infrastruttura bancaria on-chain per stablecoin (marchio dell'istituto svizzero SR Saphirstein AG) che dichiara copertura in oltre 50 paesi con accesso fiat multi-valuta. | Gemini, exchange con sede a New York · 13M+ utenti |
| Regulator | FINMA (Svizzera) per il custode UR / SR Saphirstein AG; Zoomex registrata come MSB US/Canada, NFA US e AUSTRAC Australia | NYDFS; SEC (public company); EU member state regulators |
| Segment | B2C | B2C |
| Card type | — | Revolving credit |
| APR | — | 16.49%–34.49% |
| On-chain settlement | — | No |
| OAM Italy registration | — | No |
| Past incidents | — | Gemini Earn collapse (2022-2023): partner Genesis halted withdrawals, ~$1.8B frozen; customers later made whole · NYDFS settlement (2024): $37M fine for compliance failures · CFTC settlement (2025): $5M fine for misleading statements about bitcoin futures |
| Regions | EU/EEA, UK, APAC | US |
| Licences & safety | Swiss Banking Act Art. 1b (UR, FINMA-supervised custodian), Zoomex: US/Canada MSB, Zoomex: US NFA, Zoomex: Australia AUSTRAC | NYDFS |
Frequently asked questions
Zoomex Card vs Gemini Credit Card: which is better?
On cashback Gemini Credit Card wins (up to 4%, but the full rate requires Nessuno). In our editorial rating Gemini Credit Card leads (4.4 vs 3.0). Neither wins across the board: weigh the points above against your use case before choosing between Zoomex Card and Gemini Credit Card.
Which is cheaper, Zoomex Card or Gemini Credit Card?
On the standard spending profile Zoomex Card has the lowest net annual cost: €0 versus €0 for Gemini Credit Card.
Which offers more cashback, Zoomex Card or Gemini Credit Card?
Gemini Credit Card has the highest cashback: up to 4%. Note the top rate often requires token staking and is subject to spending caps.
Is Zoomex Card custodial or self-custody?
Zoomex Card is custodial: funds are held by the platform, while Gemini Credit Card is custodial.