Mastercard / WebBank
Gemini Card
5.1/10Overall Score
Card Mode
Third-party custody
Card Type
Credit
Mobile Payments
Google PaySupportedApple PaySupported
Fees & Rules
01Getting Started
- Virtual Card Application
- $0
02Spending & Conversion
- Base Transaction Fee
- 0%
- FX Fee
- 0%
03Rewards
- Cashback
- 1%
Fee Sources · Verify Directly
support.gemini.com/hc/en-us/articles/4405148512923-Product-OverviewCard Guide
Overview
The Gemini Credit Card is offered by Gemini Trust Company and issued by WebBank as a genuine revolving Mastercard (World Elite), and is one of the few US credit cards that settles rewards directly in crypto. No crypto is sold at checkout: rewards are bought and deposited into the holder's Gemini account the moment a purchase settles. Alongside the standard version there are Bitcoin, XRP, Solana and Zcash editions with identical fees and tiers that only change the default reward asset.
| Item | Details |
|---|---|
| Formats: | a metal card made with 75% recycled material plus a virtual card, with Apple Pay, Google Pay and Samsung Pay support. |
| Tiers: | one tier with category-based rewards; the themed editions only change the reward asset. |
| Reward assets: | more than 50 cryptocurrencies, switchable in the app at any time. |
| Use cases: | everyday US spending, especially dining, fuel, groceries and commuting. |
Benefits
| Item | Details |
|---|---|
| 4% on fuel and transit: | petrol stations, EV charging, public transport, taxis and rideshare, on the first USD 300 of combined category spend each month, then 1%. |
| 3% dining and 2% groceries: | both uncapped, though grocery rewards exclude Costco, Sam's Club and Walmart based on merchant category code. |
| 1% on everything else, credited instantly with no fee to redeem. | |
| Solana edition: | choosing SOL as the reward asset unlocks auto-staking at up to 6.12% APR, unavailable in New York. |
| Partner merchants: | 10% back at rotating partners, capped per campaign. |
| Credit building: | reported as a revolving credit account, which helps build a US credit history. |
Fees
| Item | Details |
|---|---|
| Issuance and annual fee: | none. |
| FX: | 0, with no currency conversion charge on foreign purchases. |
| Revolving interest: | 18.49% to 34.49% variable APR, priced by creditworthiness. |
| Cash advances: | the greater of USD 10 or 3% of the amount, at 29.74% APR. |
| Late and returned payments: | up to USD 35. |
| Tax: | rewards count as income on receipt and on disposal under US tax rules. |
Availability
| Item | Details |
|---|---|
| Supported: | all 50 US states, Washington DC and Puerto Rico. |
| Not supported: | anywhere outside the United States, with no international version described. |
| Onboarding: | a Gemini account with full identity verification and a US Social Security number; the application is a hard inquiry after a soft pre-qualification. |
| Spending limit: | set by the approved credit line, typically USD 500 to 5,000, with increases available on request. |
| Cash access: | advances are capped at 10% of the credit line and USD 1,000 a day. |
| Credit requirement: | a FICO score above 700 in most cases. |