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Card	Issuance	Monthly / annual	Spending feesConversion + FX	RewardsRate / cap / eligibility	EligibilityResidence & identity	Apple Pay	Google Pay	ATM withdrawals	Funding fees	Card format	Payment assets	Spending / ATM limits	Who holds funds	Apply / activate	Refunds / repayment	Usage limits
Coinbase CardUS debit Application guide Card 1	$0 issue / replacement Coinbase Card · US debit Issuance $0 issuance and replacement	$0 monthly fee Coinbase Card · US debit Monthly / annual $0 monthly fee	$0 FX fee; conversion spread Payment network rates Coinbase Card · US debit Spending fees No separate foreign transaction fee; crypto conversion includes a spread Foreign merchant currency uses the network rate; zero card fees do not mean zero exchange costs	Variable; see app offer No fixed rate; offers expire Coinbase Card · US debit Rewards Rate follows the current selectable in-app offer Offers have expiration dates and can be changed; earned rewards do not expire with the offer. An offer may be auto-selected; there is no guaranteed fixed rate.	Applications open · identity checks required US residence excluding Hawaii; cardholder-agreement identity requirements and account approval also apply. Coinbase Card · US debit Eligibility Applications open · identity checks required US residence excluding Hawaii; cardholder-agreement identity requirements and account approval also apply.	Yes Supported Coinbase Card · US debit Apple Pay Supported	Yes Supported Coinbase Card · US debit Google Pay Supported	Yes： No Coinbase ATM fee Operator fee extra; crypto conversion spread applies Coinbase Card · US debit ATM withdrawals No Coinbase ATM withdrawal fee ATM operator charges may apply; spending crypto still involves a conversion spread	$0 from Coinbase balance Other funding/buy fees may apply; clearing holds possible Coinbase Card · US debit Funding fees Coinbase balance funding $0 Coinbase account deposits or asset purchases have separate route costs; bank-funded balances may still be on hold.	Virtual access + mailed physical card; one active card account Coinbase Card · US debit Card format Virtual access + mailed physical card; one active card account	USD, USDC and supported crypto Choose payment asset in Card; deposits must clear Coinbase Card · US debit Payment assets USD, USDC and supported in-app cryptocurrencies Select the spending asset in Card. Maintain available funds; a credited bank deposit may not yet be available for card spending.	Personal limits in app Card → Support → View limits; individual agreement applies Coinbase Card · US debit Spending / ATM limits Personal limits: Card → Support → View limits Help Center says limits vary. The linked 2024 agreement lists purchases $2,500/24h, ATM $1,000/24h and card balance $25,000. Check your applicable agreement and in-app limits.	Debits Coinbase platform account Auto-converted to USD; no credit line facility Coinbase Card · US debit Who holds funds Spending debits your Coinbase platform account Crypto is converted to USD for payment; this is not direct spending from a self-controlled wallet and provides no credit facility.	Apply in Coinbase Virtual card after approval; physical delivery estimated 2–3 weeks Coinbase Card · US debit Apply / activate Coinbase → Card → verify identity/address → apply Virtual access after approval; physical delivery estimated at 2–3 weeks, then set PIN and activate	Refunds usually 5–10 business days Timing depends on merchant; old refunds forwardable Coinbase Card · US debit Refunds / repayment Refunds usually 5–10 business days; card lock in app Contact the merchant first; timing depends on merchant/network. Old-card refunds can reach the replacement. Lock a lost card and replace it; the old card is deactivated.	Use blocked in mainland China, Hong Kong and other restricted territories Coinbase Card · US debit Usage limits Use blocked in mainland China, Hong Kong and other restricted territories Restricted categories include gambling, securities, money transfer and crypto merchants. US eligibility does not imply card acceptance in every destination.
Gemini Credit CardUS credit Apply now Card 2	Initial fee not listed 1 free replacement/12 months Then $50 each Gemini Credit Card · US credit Issuance No initial issue fee listed; one free replacement per 12 months Further replacements in that period cost $50 each; issuance requires credit approval.	$0 annual fee Unpaid bills may incur interest No grace on cash advances Gemini Credit Card · US credit Monthly / annual $0 annual fee No annual fee does not waive borrowing interest or cash-advance charges.	No foreign transaction fee Mastercard rate; cash fees extra Gemini Credit Card · US credit Spending fees No foreign transaction fee Mastercard currency conversion applies; cash advances still incur fees and interest.	1%–4% paid in crypto By category; 4% on first $300/mo Then 1% for that category Gemini Credit Card · US credit Rewards 4% gas/EV/transit, 3% dining, 2% groceries, 1% other eligible purchases The 4% category applies to the first $300 each calendar month, then 1%. Merchant classification determines rewards, paid in selected crypto to Gemini. Cash advances excluded; merchant-specific Vault offers are separate.	Applications open · identity checks required Residents of the 50 US states; identity and credit approval required. Gemini Credit Card · US credit Eligibility Applications open · identity checks required Residents of the 50 US states; identity and credit approval required.	Yes Supported Gemini Credit Card · US credit Apple Pay Apple Pay supported Add the issued digital card on a supported device and wallet.	Yes Supported Gemini Credit Card · US credit Google Pay Google Pay supported Samsung Pay is also supported for the digital card, subject to device and wallet requirements.	Yes： Cash advance 3%, min $10 Interest from transaction date; no grace period; APR varies with Prime Gemini Credit Card · US credit ATM withdrawals Cash advance fee: 3%, minimum $10 Interest starts on the transaction date without a grace period. April 1, 2026 disclosure: variable APR 29.49% (Prime + 22.74%).	Credit line spending · no prefunding Repay via bank ACH/check; no direct crypto payoff Gemini Credit Card · US credit Funding fees Spend a credit line; no prepaid top-up Repay the USD bill using a linked bank account or check; crypto deposits are not repayments.	Metal + same-number virtual card Gemini Credit Card · US credit Card format Metal physical card plus a digital card with the same number Activate the physical card in Card settings after delivery. Digital spending may be available earlier with restricted available credit.	USD credit card · bank ACH repayment Link bank account; crypto/exchange balance not accepted Gemini Credit Card · US credit Payment assets USD credit purchases; repay from a bank account Open Credit Card Dashboard → Make a payment and link a checking/savings account using ACH details, or mail a check. The help page excludes direct crypto and Gemini Exchange balance payments.	Personal limit subject to approval Cash advance max 10% of limit and $1,000/day Gemini Credit Card · US credit Spending / ATM limits Personal credit limit is shown in approval email and monthly statements Cash advances are limited to 10% of the credit limit and $1,000/day. Available credit may not recover until the next cycle or cleared funds; processing can take seven business days.	WebBank credit line No crypto collateral; rewards go to Gemini account Gemini Credit Card · US credit Who holds funds Credit is issued by WebBank; rewards are held in Gemini Purchases do not debit an onchain wallet or require crypto collateral. Rewards follow the platform account custody rules.	Soft pre-check; full application has hard inquiry Virtual card after approval and account verification Gemini Credit Card · US credit Apply / activate Prequalify, then submit a full credit application Start from the Gemini credit-card page. Prequalification has no score impact; the full application uses a hard inquiry. After approval and verification, access the digital card and activate the physical card when received.	Pay in full on time for eligible grace period Official APR floors differ; expand for details Gemini Credit Card · US credit Refunds / repayment Pay each statement in full to retain the purchase grace period Payment is due at least 25 days after statement close. The two April 1, 2026 official documents disagree on the purchase APR floor: Rates & Fees lists 18.49%–34.49%, while the Cardholder Agreement lists 16.49%–34.49%, both variable with Prime. Neither floor is a promised approved rate; check the individual disclosure when applying. Regaining a lost grace period requires two consecutive full timely statement payments; cash advances have no grace period.	Minimum payments do not avoid interest · Late payments, returned payments and penalty APR · Do not use the card for crypto purchases, self-payments or funding Gemini Gemini Credit Card · US credit Usage limits Minimum payments do not avoid interest Below $25, pay the balance. Otherwise the minimum is the greater of $25 or 2.5% of the balance excluding interest, fees and Rewards Charges, plus those charges; add overdue and over-limit amounts. Read Minimum Payment Due on the statement. · Late payments, returned payments and penalty APR First late payment: up to $25; another within six cycles: up to $35. Returned payment: $25 first, $35 for repeats within six cycles, subject to agreement caps. Qualifying repeated lateness or returned payment may trigger variable penalty APR, disclosed as 33.49%. · Do not use the card for crypto purchases, self-payments or funding Gemini For lawful personal/household spending, not business use. Lock the card in the app and contact card support for disputed transactions; billing-error rights are in agreement Exhibit B.

Monthly spend · USD equivalent Merchant charge currency Estimate period

Issuance, ongoing and purchase fees only; rewards not deducted. Estimate scope

Issuance, ongoing and spending fees, and their subtotal for each card, in USD
Card	Three-fee subtotalUSD · First year	Spending / year	Ongoing / year	Issuance	Assumptions
Coinbase CardUS debit	—Spending rate not estimable	—	$0	$0	Full fee terms Coinbase Card · US debit Spending fees depend on region, payment assets or transaction conditions; no single rate is used. Full fee terms →
Gemini Credit CardUS credit	—Spending rate not estimable	—	$0	—	Full fee terms Gemini Credit Card · US credit Spending fees depend on region, payment assets or transaction conditions; no single rate is used. Full fee terms →

Assumes a funded balance and current regular rates over 12 months. Excludes funding/network costs, ATM, exchange-rate differences, merchant surcharges and special-transaction fees. Temporary offers are not projected for a full year. “—” means unconfirmed or unsuitable for projection, not free. Ranges retain rate differences. No first-year subtotal where the regional issuance price is unclear. This is not a best-price ranking.