bestbitcoincard
Find my card

Gemini Credit Card vs Shakepay Card

Head-to-head on the facts that decide your money - fee stacks, KYC, the bitcoin flow and limits.

Higher score Gemini Credit Card card
Gemini Credit Card
5.4
Full KYCCustodialNo direct BTC load
Get Gemini Credit Card
Shakepay Card
n/a
Full KYCCustodialNo direct BTC load
Get Shakepay Card

Short answer Gemini Credit Card ranks higher on the documented evidence (5.4/10 vs unscored). The right pick still depends on your priority - see the flow comparison below.

Gemini Credit Card Shakepay Card
Bitcoin flow
BTC loadNo direct BTC loadNo direct BTC load
Lightning fundingnono
BTC sale timingNot documentedNot documented
Fees
Top-up fee0%0%
FX fee0%3%
Monthly feenonenone
ATM fee3%not documented
Cashback1% in BTC1% in BTC
Privacy & custody
KYCFull KYCFull KYC
CustodyCustodialCustodial
Limits
Daily spend limitnot documented$5000.0
ATM daily limitnot documentednot documented
Max loadnot documentednot documented
Availability
RegionsUSCA
NetworkMastercardVisa
Form factorPhysicalPhysical + virtual
Apple Payno / unknownyes

Pick Gemini Credit Card if

  • Known fee stack (0.0 vs 3.0 % equivalents on a $500/mo profile)

Pick Shakepay Card if

  • you accept Full KYC KYC and its fee stack - and nothing else on this page outweighs it

Gemini Credit Card

The most regulated issuer context for a crypto-rewards credit card (NYDFS trust, WebBank-issued Mastercard World Elite): 4% gas/EV/transit, 3% dining, 2% groceries, 1% elsewhere, no annual fee, rewards in BTC or 50+ cryptos. It is a credit product (bureau approval, no crypto funding), US-only, and the issuer carries a 2025-2026 withdrawal-security-hold complaint pattern at the exchange level.

Full review

Shakepay Card

exists - active, beantragbar; physische Karte frisch gelauncht (Okt 2026-Seite), BTC-Cashback 1% (bis 1.5% mit Blue-Status), Canada-only

Full review

More head-to-heads

Gemini Credit Card vs WirexGemini Credit Card vs Goblin CardGemini Credit Card vs 2FiatGemini Credit Card vs Bitrefill CardGemini Credit Card vs Bitso CardGemini Credit Card vs Bitstack Card Compare any cards

FAQ

Which is better for privacy, Gemini Credit Card or Shakepay Card?
Both cards sit at the same KYC depth: Gemini Credit Card and Shakepay Card require Full KYC. Privacy separates them only through custody model and data-sharing practice - documented in each review. Lower KYC means less data exposure - and weaker regulatory protection if something goes wrong.
When does my bitcoin get sold on each card?
Gemini Credit Card: Not documented. Shakepay Card: Not documented. Sale timing determines your price exposure between loading and spending.
Which is cheaper overall?
Compare the full stack - top-up, FX, monthly, ATM - against your own spending mix in the fee calculator. Headline numbers alone flip with real usage.

Facts checked 2026-11-02 · How we verify