What is Gemini Credit Card?
Gemini Credit Card is a Mastercard World Elite credit card with no annual fee. Earn up to 4% crypto back on gas/transit, 3% on dining, 2% on groceries, and 1% on all other purchases. Rewards in BTC, ETH, SOL, XRP, or...
Gemini Credit Card
Earn up to 4% crypto back on every purchase. No annual fee. Mastercard World Elite.
Status: Live
Issued by Gemini
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Card Overview
Custody Type
custodial
Card Type
Credit Card
Material
Virtual & Metal
KYC
Enhanced
Gemini Credit Card is a Mastercard World Elite credit card with no annual fee. Earn up to 4% crypto back on gas/transit, 3% on dining, 2% on groceries, and 1% on all other purchases. Rewards in BTC, ETH, SOL, XRP, or 50+ cryptocurrencies, instantly deposited to your Gemini account.
Pros
No foreign transaction fees
Up to 4% crypto cashback on gas, transit, rideshare
3% on dining, 2% on groceries, 1% on everything else
Instant rewards deposited to Gemini account at time of purchase
Prequalify with no hard credit pull
Cons
Available in the United States only
Requires full KYC and credit check (hard pull for final approval)
High variable APR: 18.49%–34.49%
Cash advance fee: greater of $10 or 3%
4% cashback on transit capped at $300/month
Tax implications on crypto rewards
Cannot use card to buy crypto or fund Gemini account
Rewards & Staking
Max Cashback
4%
On eligible purchases
Reward Token
BTC, ETH, SOL, XRP, LTC, DOGE, and 50+ cryptocurrencies
Paid out in BTC, ETH, SOL, XRP, LTC, DOGE, and 50+ cryptocurrencies
Staking APY
N/A
On staked assets
Reward specifics
Boost Multiplier N/A
Monthly Cap 4% rate capped at $300/mo spend on gas/transit (then 1%); no cap on other categories
Payout Frequency Instant
Welcome Bonus $200 in crypto (on spending target)
Referral Bonus $50 in crypto per referral (up to 50 referrals/year); $250 bonus on 5th referral
Bonus APR N/A
Bonus Token N/A
Staking & Requirements
Required Token N/A
Min Stake Amount N/A
Fiat Value Req N/A
Lock-up Period N/A
Downgrade Penalty N/A
Supported Assets
Chains
Tokens
Card Options
Virtual Card: Instant digital issuanceVirtual Card
Issuance Free
Replacement N/A
Metal Card
Material Metal
Issuance Free
Shipping Free
Replacement N/A
Lifestyle & Perks
Not Offered
Airport Lounge
Not Offered
Crypto Events Shuttle
Not Offered
Airport Transfers
Not Offered
Priority Boarding
Not Offered
Esim
Not Offered
Concierge Services
Not Offered
Golf Access
Not Offered
Fitness Membership
Not Offered
Exclusive Club
Not Offered
Exclusive Merch
Not Offered
Nft Drops
Not Offered
Crypto Token Deals
Fees & Limits
Fee Schedule
Fee Structure Forever Free
FX Fee 0%
ATM Withdrawal Greater of $10 or 3% per cash advance (ATM withdrawals treated as cash advances)
ATM (Domestic) N/A
ATM (Intl) N/A
Fee After Limit N/A
Inactivity Fee None
Top Up Fee Free
Liquidation Fee Free
Custody Fee None
Usage Limits & requirements
Daily Spend Limit No stated limit (subject to credit limit)
Monthly Spend Limit Subject to credit limit
ATM Withdrawal Limit Greater of $10 or 3% per withdrawal (treated as cash advance)
Free ATM Limit None (ATM withdrawals treated as cash advances)
Max Balance N/A (Credit Card)
Min Balance N/A (Credit Card)
Top Up Limits N/A (Credit Card)
Technical Features
Integrations
Contactless
Security
2FA Support
Biometric Auth
Card Freeze
Transaction Notifications
Dynamic CVV
Merchant Blocking
App & Usability
Spending Analytics
PIN Change in App
Spending Limits Control
Subscription Management
Budgeting Tools
Smartwatch Support
Recuring Payment Control
Dispute Filing
Receipt Capture
Split Bill
ATM Locator
Advanced & Global
Multi-currency Wallet
Crypto Auto-convert
Round-up Savings
QR Payments
Offline Mode
Carbon Tracking
Instant Card Details
Crypto Capabilities
Yield on Collateral
On-Chain History
Governance Rights
Credit Scoring
Banking & On-Ramp
Banking Features
Virtual Bank Account No
Account Type N/A
Direct Deposit No
Bill Pay No
Instant Issuance No
Self Custody No
Dual Mode (Switch) No
Funding & Withdrawals
On Ramp
Not AvailableOff Ramp
Not AvailableOperations & Support
Support Channels
Support Tier standard
Support Type Email
Hours 24/7
Dedicated Manager No
Response SLA <24 hours
Geographic Availability
KYC Requirements
EnhancedEmail ID
Required
Phone Number
Required
Government ID
Required
Home Address
Required
Bank Statements
Required
Supported Countries of Residence
Available
Not available
1
country
View country list (1 country)
United States
Countries where cardholders can reside to be eligible for this card
Serviceable Coverage Countries
Available
Not available
188
countries
View country list (188 countries)
AlbaniaAlgeriaAndorraAngolaAntigua and BarbudaArgentinaArmeniaAustraliaAustriaAzerbaijanBahamasBahrainBangladeshBarbadosBelgiumBelizeBeninBhutanBoliviaBosnia and HerzegovinaBotswanaBrazilBruneiBulgariaBurkina FasoBurundiCabo VerdeCambodiaCameroonCanadaCentral African RepublicChadChileChinaColombiaComorosCongoCosta RicaCroatiaCyprusCzechia (Czech Republic)Democratic Republic of the CongoDenmarkDjiboutiDominicaDominican RepublicEast TimorEcuadorEgyptEl SalvadorEquatorial GuineaEritreaEstoniaEswatiniEthiopiaEuropean UnionFijiFinlandFranceGabonGambiaGeorgiaGermanyGhanaGreeceGrenadaGuatemalaGuineaGuinea-BissauGuyanaHaitiHoly SeeHondurasHungaryIcelandIndiaIndonesiaIraqIrelandIsraelItalyIvory CoastJamaicaJapanJordanKazakhstanKenyaKiribatiKuwaitKyrgyzstanLaosLatviaLebanonLesothoLiberiaLibyaLiechtensteinLithuaniaLuxembourgMadagascarMalawiMalaysiaMaldivesMaliMaltaMarshall IslandsMauritaniaMauritiusMexicoMicronesiaMoldovaMonacoMongoliaMontenegroMoroccoMozambiqueMyanmarNamibiaNauruNepalNetherlandsNew ZealandNicaraguaNigerNigeriaNorth MacedoniaNorwayOmanPakistanPalauPalestine StatePanamaPapua New GuineaParaguayPeruPhilippinesPolandPortugalQatarRomaniaRwandaSaint Kitts and NevisSaint LuciaSaint Vincent and the GrenadinesSamoaSan MarinoSao Tome and PrincipeSaudi ArabiaSenegalSerbiaSeychellesSierra LeoneSingaporeSlovakiaSloveniaSolomon IslandsSomaliaSouth AfricaSouth KoreaSouth SudanSpainSri LankaSurinameSwedenSwitzerlandTaiwanTajikistanTanzaniaThailandTogoTongaTrinidad and TobagoTunisiaTurkeyTurkmenistanTuvaluUAEUgandaUkraineUnited KingdomUnited StatesUruguayUzbekistanVanuatuVietnamYemenZambiaZimbabwe
Countries where the card can be used for transactions
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Community
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Frequently asked questions about Gemini Credit Card
Direct answers to the questions people ask most before they compare or apply for this card.
What rewards does Gemini Credit Card offer?
Gemini Credit Card offers up to 4% cashback, rewards are paid in BTC, ETH, SOL, XRP, LTC, DOGE, and 50+ cryptocurrencies, reward caps can reach 4% rate capped at $300/mo spend on gas/transit (then 1%); no cap on other categories, welcome bonus: $200 in crypto (on spending target).
What fees does Gemini Credit Card charge?
Key charges include fee model: Forever Free, FX fee: 0%, ATM fee: Greater of $10 or 3% per cash advance (ATM withdrawals treated as cash advances).
Where is Gemini Credit Card available?
Gemini Credit Card is available in Albania, Algeria, and Andorra, plus 185 more markets, current status: Live.
Which assets can you spend with Gemini Credit Card?
Gemini Credit Card supports BTC, ETH, SOL, XRP, and LTC, plus 6 more assets for spending, supported chains include Bitcoin, Ethereum, Solana, and and 50+ more.
Verification Pending This card's details are not verified and may be out of date. We are working with the provider to update them as soon as possible.
Review the official legal details for Gemini Credit Card on their website.
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