Gemini Credit Card
Mastercard World Elite credit card from the Gemini exchange that pays rewards in crypto.
No project pays to be listed. How we rank
Gemini Credit Card key facts
| Category | Crypto card |
|---|---|
| Platforms | iOS, Android, Web |
| Fees | No annual fee; no foreign transaction fees |
| Pricing | 4% gas, EV and transit (first $300 spend per month, then 1%); 3% dining; 2% groceries; 1% everything else |
| Company | Issued by WebBank; Mastercard World Elite |
What is Gemini Credit Card?
The Gemini Credit Card is a Mastercard World Elite credit card from the Gemini exchange, issued by WebBank, that pays rewards in crypto. It earns 4% on gas, EV and transit up to $300 in monthly spend, 3% on dining, 2% on groceries and 1% on everything else.
How Gemini Credit Card works
Rewards are paid in the crypto you choose, from bitcoin (the default) to more than 60 assets on Gemini, and you can switch as often as you like.
Most rewards arrive within minutes of the swipe. Purchases at online merchants, hotels, gas stations and car rental agencies, and any pre-authorized transaction, pay out only when the charge posts, usually 24 to 72 hours later. A $50 gas pump hold on a $20 fill-up earns rewards on the $20.
The rate is set by the Merchant Category Code the merchant's processor assigns, not by what you buy. Costco, Sam's Club, Walmart and Target purchases usually earn 1%, delivery apps may not count as dining, and gas bought inside the store rather than at the pump misses the 4% rate. Rewards land in a Gemini Exchange account, where you can hold, sell or, if eligible, withdraw them.
How to start with Gemini Credit Card
- You can check pre-qualification with no impact on your credit score.
- If you pass and submit the full application, Gemini, on behalf of WebBank, runs a hard credit inquiry, and most online applicants get a decision within about 60 seconds.
- You must also be approved for a Gemini Exchange account, which is opened alongside if you do not have one.
- A credit freeze at Experian or Clarity has to be lifted first, and declined applications cannot be appealed.
- Approved cardholders get a metal card in black, silver or rose gold within 5 to 7 days, with no card number printed on it.
- You pay the bill from a linked checking or savings account or by mailed check.
- Paying directly with crypto or from a Gemini Exchange balance is not supported.
Gemini Credit Card fees and limits
The card has no annual fee and no foreign transaction fee. Missing the minimum payment triggers a late fee and can block new purchases until you catch up. Rates, APR and other fees are in the WebBank cardholder terms linked from the card page. If you return an item or win a dispute, Gemini claws back the dollar value of those rewards from future rewards. Any balance not netted out within 30 days becomes a Rewards Charge on your card, which carries no interest.
Risks to know before using Gemini Credit Card
- Rewards depend on your Gemini Exchange account: closing that account also closes the credit card, and a card not in good standing may stop earning on pending and future purchases.
- Crypto rewards are held on Gemini, a custodial platform, until you withdraw them.
- Their dollar value moves with the market after you earn them.
- Payments can take up to 7 business days to process, and available credit may not recover until the funds clear.
Gemini Credit Card alternatives
Other projects people compare with Gemini Credit Card.
Prepaid Visa debit card from Coinbase that spends USD or crypto and pays crypto rewards.
American Express network credit card from Coinbase that pays bitcoin back, open only to Coinbase One members.
Bitcoin rewards app with a prepaid Visa debit card and a bitcoin rewards credit card.
Gemini Credit Card pros and cons
- No annual fee and no foreign transaction fees
- 4% back on gas, EV charging and transit
- Rewards paid in crypto rather than points
- 4% rate applies only to the first $300 in spend each month, then 1%
- Everything outside the bonus categories earns 1%
- Crypto rewards change in dollar value with the market
Gemini Credit Card FAQ
What is Gemini Credit Card?
The Gemini Credit Card is a Mastercard World Elite credit card from the Gemini exchange, issued by WebBank, that pays rewards in crypto. It earns 4% on gas, EV and transit up to $300 in monthly spend, 3% on dining, 2% on groceries and 1% on everything else.
How much does Gemini Credit Card cost?
No annual fee; no foreign transaction fees, according to Gemini Credit Card’s own page (checked Sep 26, 2026).
Sources
- Gemini Credit Card: official site
- Gemini: Credit Card application process
- Gemini: How do I earn credit card crypto rewards
- Gemini: Rewards tiers on the Gemini Credit Card
- Gemini: Credit Card Rewards Adjustment
- Gemini: Redeeming rewards and the Gemini platform
- Gemini: How to make a payment to my Gemini Credit Card
How this page works
Sources: Gemini Credit Card: official site, Gemini: Credit Card application process, Gemini: How do I earn credit card crypto rewards. Data as of Sep 26, 2026.
Not affiliated with any project listed. Educational content, not financial advice.