Main strengths
- The current agreement lists no annual or foreign transaction fee.
- Eligible spend earns 1%-4% in a selected crypto asset, subject to category rules.
- A metal card and digital card work with Apple Pay, Google Pay and Samsung Pay.
Bitcoin OrangeStandard card design
Mastercard revolving credit card
Gemini Credit Card
Gemini Credit Card is a U.S.-only revolving Mastercard issued by WebBank. It earns crypto rewards at 4% on capped transport and fuel spend, 3% on dining, 2% on groceries and 1% elsewhere, with a metal card and Apple Pay, Google Pay and Samsung Pay support.
No FXMetal cardTravel focusUS availableCategory rewardsFree base plan
Main trade-offs
- Purchase APR ranges from 16.49% to 34.49%, and cash advances cost more.
- Applications are limited to all 50 U.S. states and Puerto Rico.
- Rewards enter a custodial Gemini account; direct crypto repayment is unavailable.
01 · Core economics
Costs that matter
Gemini Credit Card combines $0 entry with 0% listed provider FX and ATM access. Allowances, overage charges and third-party costs still depend on the current programme.
ItemValueWhat it means
Monthly plan$0/moNo recurring monthly plan fee on the current entry offer
Purchase APR16.49–34.49% variableThe assigned variable rate applies when a purchase balance is carried beyond the grace period.
Grace periodAt least 25 daysPaying the full statement balance by the due date avoids interest on eligible purchases.
RepaymentACH or checkThe credit account accepts linked checking or savings ACH payments and checks. Direct crypto repayment is not supported.
Cash fundingNot disclosedNot applicable; linked-bank and check routes repay the credit account
Provider FX markup0The cardholder agreement lists no foreign transaction fee. Mastercard exchange rates and interest on carried balances remain separate.
ATM withdrawal3% / min $10This is a cash advance. The greater of $10 or 3% applies, followed by 29.49% variable APR; access is limited to $1,000 per day and 10% of the credit limit.
Card spending0%No listed base spend fee
Limits and secondary feesLimits and other fees
Cash advance APR29.49% variableListed
Penalty APR33.49%; max 35.99%Listed
Late paymentUp to $35Listed
Returned paymentUp to $35Listed
PrequalificationSoft inquiryListed
Declined transactionNot disclosedNot disclosed
Daily card spendNot disclosedListed
Monthly card spendNot disclosedListed
ATM limit$1,000/dayListed
Account depositNot disclosedListed
02 · Category rewards
Gemini Credit Card crypto rewards
Gemini Credit Card uses category and merchant rates rather than membership tiers. The summary shows the range; the current eligible categories and payment-amount caps are mapped below.
Lowest current purchase reward rate
Gas, EV charging, transit, taxis and rideshare only; see the category schedule below
Selected eligible crypto asset
Depends on the payment route; this caps eligible payment amount, not cashback value
Current rate schedule
Cashback by spend category
The rate follows the eligible payment category or route rather than a membership tier. 4% applies only to Gas, EV charging, transit, taxis and rideshare. Caps below limit eligible payment amount, not cashback value.
CategoryRateEligible purchases and cap
Gas, EV charging, transit, taxis and rideshare4%
Merchant processor MCC controls category eligibility.
Combined 4% categories $300/moDining3%
Merchant processor MCC controls category eligibility.
Eligible spend cap not disclosedGroceries2%
Merchant processor MCC controls category eligibility.
Eligible spend cap not disclosedAll other qualifying purchases1%
All eligible purchases outside a higher-rate band
Eligible spend cap not disclosedCashback is credited instant for most qualifying purchases; after clearing for designated transactions in Selected eligible crypto asset. Merchant coding, programme exclusions, reversals and clawbacks still apply.
03 · Everyday use
How the card fits everyday use
See the available card formats, phone wallets and account rails, plus any channels that are still being confirmed.
Card access
- Mastercard networkAvailable
- Virtual cardAvailable
- Physical cardAvailable
- ATM withdrawalsAvailable
Wallets & apps
- Apple PayAvailable
- Google PayAvailable
- iOS appAvailable
- Android appAvailable
- Web appAvailable
Account rails
- Crypto depositsVia provider account
- Bank depositsRegion-dependent
- Crypto withdrawalsVia provider account
- Fiat withdrawalsRegion-dependent
- Direct card top-upsNot supported
04 · Money in and out
How money enters, settles and leaves Gemini
The card uses the provider account balance. Account funding and withdrawal routes are included only when they feed that same card-linked account; they are not presented as direct card top-ups.
Money inWays to fund or receive4 routes
Crypto deposits
2 routes
Crypto depositsCredits the linked Gemini exchange account, not the WebBank credit lineSupported Gemini crypto and stablecoinsBitcoinEthereumSolanaArbitrum+4FeeNot confirmedSpeedNot confirmedLimitsNot confirmedAvailabilityConfirmed scopeDetails
Fee components
- Fee terms are descriptive only
More assets, currencies or networks
Avalanche, Base, Optimism, Other supported networks
Access path
Via provider account
Asset / network map
Supported Gemini crypto and stablecoins: Bitcoin, Ethereum, Solana, Arbitrum, Avalanche, Base, Optimism, Other supported networks
Availability
Supported asset and network combinations
Fee scope
Provider and network conditions depend on the selected asset and route
Limit scope
Not publicly confirmed
Restrictions
Asset and network support varies
Gemini crypto deposits and withdrawalsThis is a provider-account route.Supported Gemini crypto and stablecoinsBitcoinEthereumSolanaArbitrum+4FeeNot confirmedSpeedNetwork-dependentLimitsNot confirmedAvailabilityConfirmed scopeDetails
Fee components
- Fee terms are descriptive only
More assets, currencies or networks
Avalanche, Base, Optimism, Other supported networks
Access path
Via provider account
Asset / network map
Supported Gemini crypto and stablecoins: Bitcoin, Ethereum, Solana, Arbitrum, Avalanche, Base, Optimism, Other supported networks
Availability
Supported crypto assets and networks in the linked Gemini exchange account
Fee scope
Asset- and network-dependent; shown for the selected route
Limit scope
Not publicly confirmed
Restrictions
This is a provider-account route. It does not fund the card's revolving credit line.
Bank deposits
2 routes
USD bank transferFunds the linked Gemini exchange account.USDFeeNo fixed feeSpeed4–5 business daysLimitsNot confirmedAvailabilityConfirmed scopeDetails
Fee components
- No provider transfer fee
Access path
Via provider account
Availability
Funds the linked Gemini exchange account. It does not fund card purchases or repay the WebBank credit line.
Limit scope
Not publicly confirmed
Gemini USD bank transferThis is a provider-account route.USDFee$25Speed4–5 business daysLimits$100,000 / dayAvailabilityConfirmed scopeDetails
Fee components
- $25 · transfer
- No provider transfer fee
Access path
Via provider account
Availability
US ACH and USD wire transfers for the Gemini account
Limit scope
ACH withdrawals up to $100,000 daily; wire limits are listed as unlimited
Restrictions
This is a provider-account route. Credit-card repayments remain a separate WebBank flow.
Balance & conversionAccount balance
Funds sit in a custodial account balance before card spend or payout.
What happens on receipt
Gemini exchange-account rails are shown because the card requires the linked provider account.
Money outWays to send, withdraw or settle2 routes
External crypto sends
1 route
Gemini crypto deposits and withdrawalsThis is a provider-account route.Supported Gemini crypto and stablecoinsBitcoinEthereumSolanaArbitrum+4FeeNot confirmedSpeedNetwork-dependentLimitsNot confirmedAvailabilityConfirmed scopeDetails
Fee components
- Fee terms are descriptive only
More assets, currencies or networks
Avalanche, Base, Optimism, Other supported networks
Access path
Via provider account
Asset / network map
Supported Gemini crypto and stablecoins: Bitcoin, Ethereum, Solana, Arbitrum, Avalanche, Base, Optimism, Other supported networks
Availability
Supported crypto assets and networks in the linked Gemini exchange account
Fee scope
Asset- and network-dependent; shown for the selected route
Limit scope
Not publicly confirmed
Restrictions
This is a provider-account route. It does not fund the card's revolving credit line.
Bank transfers & payouts
1 route
Gemini USD bank transferThis is a provider-account route.USDFee$25Speed4–5 business daysLimits$100,000 / dayAvailabilityConfirmed scopeDetails
Fee components
- $25 · transfer
- No provider transfer fee
Access path
Via provider account
Availability
US ACH and USD wire transfers for the Gemini account
Limit scope
ACH withdrawals up to $100,000 daily; wire limits are listed as unlimited
Restrictions
This is a provider-account route. Credit-card repayments remain a separate WebBank flow.
05 · Optional product
Add yield through a separate balance
Gemini Asset Rewards adds a variable yield option through a separate deposit. Move funds back to the spending balance when direct card spend is not supported.
Optional yield
Gemini Asset Rewards
Up to 2.1% APY
- Yield source
- Automatic staking rewards on eligible Gemini account balances
- Yield mechanism
- Staking
- Strategy manager
- Gemini
- Assets
- SOL, MON, ETH
- Spend directly from Earn balance
- No
- Withdraw anytime
- Not confirmed
- Deposit insurance
- No
Risk noteVariable APY, custody, smart-contract, liquidity, protocol, counterparty and market risks may apply. Treat Earn/vault balances as separate yield exposure; access to funds depends on the provider's current withdrawal, card and collateral rules.
06 · Trust and eligibility
Where Gemini is available and who supports the card
See current signup reach, identity checks and the organisations behind the card.
Identity & KYC
Identity verification is required to access card services.
Availability
The complete supported-country list is shown below. Residence, identity documents and signup checks still apply.
Countries explicitly listed1 country
United States
Who handles what
The named organisations and their current roles are listed below.
RoleHandled byResponsibility and scope
Card productGemini
Provides the product and account experience. Named legal operators appear separately.
Custody controlGemini + programme partners
Controls settlement until payment.
Custodial accountCard issuerWebBank
Issues the card for the applicable programme.
Jurisdiction: United StatesCard processingGemini Constellation, LLC
Supports card processing for the applicable programme.
Custody / key managementGemini Trust Company, LLC / Gemini Moonbase, LLC
Provides custody or key-management infrastructure.
07 · Methodology
Why the score is 74
The score combines practical costs, rewards, daily usability, funding and transfers, eligibility, custody, and the provider stack.
Missing or undisclosed fields receive no positive credit.
74/100
GoodHigher is better
Key score driversLargest effects after applying the Overall category weights
Strongest lift99
Everyday usability
Mastercard spending includes virtual card, physical card, Apple Pay, Google Pay and ATM access.
Additional support81
Company & infrastructure
Named programme infrastructure includes WebBank (issuer), Mastercard (network) and Gemini Constellation, LLC (processing).
Main constraint44
Custody & control
Custodial account; the account provider controls funds before card settlement, and a provider account is required.
08 · Evidence
Sources
25 sources23 officialChecked Aug 30, 2026
We check every published fact and value against official product, fee, membership and legal information covering costs, eligibility, rewards and custody.
Primary sourcesOfficial product, fee, membership and legal pages
Gemini Credit Card U.S. and Puerto Rico availabilityOfficial source ↗Gemini Credit Card application and credit inquiry processOfficial source ↗Earn Crypto Rewards with the Gemini Credit Card® | GeminiOfficial source ↗Gemini Mastercard Credit Card Cardholder Agreement (April 1, 2026)Official source ↗Credit Card Crypto Rewards Program | GeminiOfficial source ↗What rewards tiers are available on the Gemini Credit Card?Official source ↗
09 · Card comparison
How Gemini Credit Card compares to others
A side-by-side look at cards built around stablecoin funding, everyday Mastercard access and money movement.
1 / 3
Current card
Gemini Credit Card
A metal card and digital card work with Apple Pay, Google Pay and Samsung Pay.
- Card
- Credit line Mastercard, Virtual + Physical
- Funds control
- Custodial balance
- Cashback
- 1%–4%
- FX fee
- $0 foreign transaction fee; Mastercard exchange rates and credit interest remain separate
- Apps
- iOS, Android, Web app
- Stablecoin set
- GUSD, USDC, USDT +1
- Transfers & payouts
- Crypto + Bank transfers
- Card
- Credit line Mastercard, Virtual + Physical
- Funds control
- Custodial balance
- Cashback
- 0.5%–2%
- FX fee
- 0.2%–2.5%
- Apps
- iOS, Android, Web app
- Stablecoin set
- USDT + USDC
- Transfers & payouts
- Crypto, Bank + Internal transfers
Similar match
Funding routes and Mastercard spending sit in the same Bybit EU account flow.
- Card
- Debit Mastercard, Virtual + Physical
- Funds control
- Custodial balance
- Cashback
- 1%–10%
- FX fee
- 0.5%
- Apps
- iOS, Android, Web app
- Stablecoin set
- USDC + EURC
- Transfers & payouts
- Crypto + Bank transfers
Want a deeper comparison?
Compare up to four cards in detail across fees, rewards, everyday use, money movement, custody and more.
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