Gemini Credit Card
Issued by Gemini on the Mastercard network
- KYC required
- 4% cashback
- Custodial
- Physical
A no-annual-fee credit card (not a debit/prepaid card) that pays rewards straight into your Gemini exchange account in crypto rather than points or cash.
Verdict
The Gemini Credit Card is a conventional Mastercard World Elite credit card issued by WebBank that pays its rewards in crypto instead of points. Gemini's page lists 4% on gas, EV charging and transit, 3% on dining, 2% on groceries and 1% on everything else, with no annual fee and no foreign transaction fees. The headline 4% has a limit that is easy to miss: it applies to the first $300 of qualifying spend each month, after which the category earns 1% for the rest of that month. Rewards land in your Gemini account, and you can change which crypto you earn as often as you like. Because it is a credit card, approval depends on a credit application, and the APR is not shown on the page we checked.
- Best for: Everyday spenders who already use Gemini and want dining, groceries and fuel rewards paid out in crypto rather than points
- Less suited to: Anyone who wants to spend crypto directly, or who carries a balance — the APR is not published on the product page, and revolving a balance will outweigh any rewards
At a glance
- Mastercard World Elite credit card issued by WebBank
- 4% on gas, EV charging and transit for the first $300 of monthly spend, then 1% for the rest of that month
- 3% on dining, 2% on groceries and 1% on everything else
- Rewards deposited into your Gemini account in BTC or 50+ other cryptos, changeable at any time
- No annual fee and no foreign transaction fees
Who can get it
You need a Gemini account in good standing, approval for the card and the identification information Gemini requires under its BSA/AML programme. Gemini's product page does not state a country list; the issuer, WebBank, is a US bank, and third-party reviews describe the card as US-only, so confirm availability before applying.
How it works
- Open a Gemini account and apply for the card; approval includes a credit check.
- Spend on the Mastercard. Rewards are calculated per purchase by category.
- Qualifying rewards are transferred into your Gemini account in the crypto you have chosen.
Strengths and trade-offs
Strengths
- Real credit-card protections from a Mastercard World Elite product
- No annual fee and no foreign transaction fees
- Rewards in BTC or 50+ other assets, switchable whenever you like
- Rewards land straight in your exchange account with no redemption step
Trade-offs
- The 4% rate is capped at $300 of qualifying spend per month, then falls to 1%
- Credit check and a Gemini account are both required
- The APR is not shown on the product page we checked
- Rewards can be forfeited if either account is closed or for breach of the programme rules
- Not a way to spend crypto directly — it is a fiat credit card that earns crypto
| Issuer | Gemini |
|---|---|
| Card network | Mastercard |
| Card type | Physical |
| KYC requirement | Gemini account plus credit application; identity information required under Gemini's BSA/AML programme |
| Cashback | 4% on gas, EV charging and transit (first $300/month, then 1%), 3% dining, 2% groceries, 1% everything else — paid in crypto |
| Annual fee | No annual fee, no foreign transaction fees |
| Custody model | Custodial |
| Supported assets | BTC, ETH, SOL, XRP, 50+ others on Gemini |
Every figure above was checked against Gemini's own card page on 2026-09-25. Terms, fees and rewards change frequently — confirm current details directly with the issuer before applying. We publish no star ratings of our own and take no payment for placement. This is not financial advice.
Common questions about the Gemini Credit Card
What are the Gemini Credit Card reward rates?
Gemini lists 4% on gas, EV charging and transit, 3% on dining, 2% on groceries and 1% on everything else. The 4% applies to the first $300 of qualifying spend each month, then 1% on all other qualifying purchases that month.
Who issues the Gemini Credit Card?
The page states the card is "Issued by WebBank" and runs on the Mastercard World Elite network.
Is there an annual fee?
No. Gemini states there is no annual fee and no foreign transaction fees. The APR is not stated on the product page.
What crypto can I earn?
Bitcoin or 50+ other cryptocurrencies available on Gemini, and you can change your choice as often as you like.
Can rewards be taken away?
Gemini's rewards agreement says you stop being eligible to receive rewards if either the card or the Gemini account is closed, and rewards can be forfeited for violations, fraud or abuse of the programme. It also states rewards may be subject to caps and limits.
New to crypto cards? Read what is a crypto card? for how custodial cards like this one actually work.