Gemini Credit Card
- Annual Fee
- $0
- Top Rate
- 4%
Terms checked against the issuer on September 26, 2026
At a Glance
- Annual Fee
- $0
- Authorized User Fee
- $0
- Foreign Transaction Fee
- $0
- Network
- Mastercard World Elite
- Rewards Currency
- Crypto
- Point Valuation
- 1¢ (cash back)
- Credit Required
- Good to Excellent
Earning Rates
- 4%
Gas Stations
Page category is the combined 'Gas, EV & Transit' at 4%; cap is shared across the combined category
Cap: $300/monthly
- 4%
Ev Charging
Page category is the combined 'Gas, EV & Transit' at 4%; cap is shared across the combined category
Cap: $300/monthly
- 4%
Transit
Page category is the combined 'Gas, EV & Transit' at 4%; cap is shared across the combined category
Cap: $300/monthly
- 3%
Dining
- 2%
Grocery Stores
- 1%
All Other
1% back in crypto on all other purchases
Benefits & Perks
Insurance & Protections
2 protectionsZero Liability on unauthorized transactions
You won't be held responsible for unauthorized transactions made in store, online, or via mobile device.
24/7 lost/stolen card assistance worldwide
Report lost or stolen cards 24/7 and get emergency card replacement and cash advance assistance worldwide.
Dining Out
3% cash back at restaurants
$3 back on a $100 dinner
No annual fee
Explore 5,512 New York restaurants with this cardStack a dining program
Rakuten Dining
5% back at 20,618 participating restaurants, on top of this card's 3%, once you join and link this card.
+$5
cash back, or ≈$5.50 as points
More on a $100 dinner
Program & Transfers
Cash Back Rewards
Reviews & Analysis
Pros and Cons
Pros
- +No annual fee for a crypto rewards card
- +Competitive earning rates: 4% gas, EV charging and transit (up to $300 a month), 3% dining, 2% groceries, 1% everything else
- +Rewards in bitcoin or 50+ cryptocurrencies available on Gemini
- +No foreign transaction fees
- +Real-time crypto conversion at time of purchase
- +Mastercard World Elite network
- +Potential for rewards appreciation if crypto values increase
Cons
- -Crypto rewards are volatile and can lose value
- -Requires Gemini exchange account (additional account management)
- -No welcome bonus currently offered
- -Tax complexity: crypto rewards may be taxable income at receipt and capital gains when sold
- -Rewards are locked into crypto ecosystem (no statement credit option)
- -Issued by WebBank, a Utah industrial bank that partners with fintech brands rather than serving consumers directly
Who It's Best For
Best For
- Crypto enthusiasts who want to accumulate Bitcoin, Ethereum, or other cryptocurrencies through spending
- Drivers and commuters who can use the 4% back on gas, EV charging and transit (up to $300 a month)
- Dining-focused spenders (3% back on restaurants is competitive)
- Grocery shoppers who want crypto rewards (2% back on groceries)
- People who believe in long-term crypto appreciation and want passive accumulation
- Gemini exchange users who already have accounts and trade crypto
Not Ideal For
- People who want a guaranteed-value reward: crypto rewards fluctuate in value
- People who prefer traditional cash back or statement credits
- Risk-averse individuals uncomfortable with crypto volatility
- Those without Gemini accounts or unwilling to create one
- People who need immediate, stable-value rewards for budgeting
Details & Terms
Payment Terms
| Purchase APR | 16.74%–34.74% (Variable) |
| Cash Advance APR | 29.74% (Variable) |
| Foreign Transaction Fee | $0 |
| Authorized User Fee | $0 |
Media & Resources
Card Design
Evidence Sources
| Source | Verified | Citation |
|---|---|---|
| Gemini Official | — | Gemini Official |
| NerdWallet | — | NerdWallet |
| CardRatings | — | CardRatings: Bonus categories |
| RewardsCC API | — | RewardsCC API |
| 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 | |
| Gemini Official | Gemini Official | |
| Gemini Official | Gemini Official |
