Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; data as of September 27, 2026. Card issuers do not influence our rankings or content.
4X
Top Rate
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
$0
Network
Mastercard Standard
Rewards Currency
Crypto
Point Valuation
1–1 cpp (mid: 1)
Credit Required
Good to Excellent
10,000
Cash back dollars
$500
Spend Required
3 months
Time Period
Benefits & Perks
You won't be held responsible for unauthorized transactions made in store, online, or via mobile device.
Report lost or stolen cards 24/7 and get emergency card replacement and cash advance assistance worldwide.
Complimentary HealthLock membership to monitor and protect your medical identity and data.
Program & Transfers
Reviews & Analysis
Details & Terms
| Purchase APR | 17.24%–29.24% (Variable) |
| Cash Advance APR | 29.24% (Variable) |
| Foreign Transaction Fee | $0 |
| Authorized User Fee | $0 |
Media & Resources
| Source | Verified | Citation |
|---|---|---|
| Gemini Official | — | Gemini Official |
| NerdWallet | — | NerdWallet |
| CardRatings | — | CardRatings: Bonus categories |
| RewardsCC API | — | RewardsCC API |
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$0
Annual Fee
-$0
Net Annual Value
+$0
| Issuer Page | Issuer Page: Earn rates |
| Gemini Official | — | Gemini Official: Fees.annual fee.amount |
| Gemini Official | — | Gemini Official: Status |
| Gemini Official | Gemini Official: Reward currency |
Brands where this card's earn-rate structure makes it a strong choice. Open a brand for the full ranked list.
