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.
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
ItemValueWhat it means
Cash advance APR29.49% variableInterest starts under the cash-advance terms in addition to the greater-of-$10-or-3% transaction fee.
Penalty APR33.49%; max 35.99%The current penalty rate is variable and the agreement permits a higher variable maximum.
Late paymentUp to $35The agreement allows a late-payment fee up to this amount.
Returned paymentUp to $35The agreement allows a returned-payment fee up to this amount.
PrequalificationSoft inquiryPrequalification uses a soft inquiry. A full application can still lead to a hard credit inquiry.
Declined transactionNot disclosedNo reusable declined-transaction fee is published.
Daily card spendNot disclosedApplicant-specific credit limit; no reusable daily purchase limit is published
Monthly card spendNot disclosedApplicant-specific credit limit; no reusable monthly purchase limit is published
ATM limit$1,000/day$1,000 daily and no more than 10% of the total credit limit
Account depositNot disclosedNot applicable to the revolving credit account
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
- Purchase fundingUSD credit line
- Credit repaymentACH / check
- Crypto repaymentNot supported
- Cash advancesPIN required
04 · Money in and out
Repayments and cash advances
Purchases use a WebBank USD credit line. Bank payments repay debt; ATM cash advances borrow against it. Gemini exchange deposits and withdrawals are separate.
Money inWays to repay the credit balance1 route
Credit repayments
Payments reduce the amount owed.
Linked bank account or checkACH payments from a linked checking or savings account, or a check, repay the WebBank credit balance. Direct crypto repayment is not supported.CostNot disclosedSpeedNot disclosedLimitsAccount-specificScopeUSD repayment
Purchase fundingUSD credit line
Purchases use a WebBank USD credit line. Crypto custody begins only after rewards are credited to a Gemini Digital Asset Account.
Credit-account conditions
Crypto rewards enter a separate Gemini account. They are not a card funding balance.
Money outCredit-account cash access1 route
Cash advances
Cash access borrows against the credit account.
ATM cash advanceCash advances require a PIN and use credit-account limits. They are not withdrawals of the Gemini exchange balance.Cost3%; min $10 + interestSpeedNot disclosedLimitsAccount-specificScopeCredit cash advanceDetails
Fee components
- The cash-advance fee is the greater of $10 or 3%, plus 29.49% variable APR under the approved agreement.
Cash limit
$1,000 daily and no more than 10% of the total credit limit
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 69
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.
69/100
ModerateHigher 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 constraint35
Funding & transfers
The available account-funding and transfer routes shape this category.
09 · Card comparison
How Gemini Credit Card compares to others
A side-by-side look at cards built around crypto funding, everyday Mastercard access and linked yield features.
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
- Funding routes
- Not confirmed
- Yield setup
- One optional yield product
- 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
- Funding routes
- Crypto transfer, Bank deposit + USD balance
- Yield setup
- Yield on the spendable balance
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
- Funding routes
- USD balance
- Yield setup
- Optional yield product
Want a deeper comparison?
Compare up to four cards in detail across fees, rewards, everyday use, money movement, custody and more.
10 · 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 ↗
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