Image: Gemini

Gemini Credit Card review: fees, cashback and limits

Name: Gemini Credit Card
Brand: Gemini

A no-annual-fee US credit card that pays up to 4% back in bitcoin or 50+ other cryptos.

By Taimoor, founder and editor Last checked 16 October 2026 3 sources

6.7out of 10

Quick answer

The Gemini Credit Card is a US metal Mastercard credit card with no annual fee and no foreign transaction fee. It pays 4% back on gas, EV charging, transit and rideshares (on up to $300 a month, then 1%), 3% on dining, 2% on groceries and 1% on everything else, in bitcoin or 50+ other cryptos. It's a regular credit card, so carrying a balance costs 18.49% to 34.49% APR.

Gemini Credit Card at a glance

Best for	US residents who pay their card off every month and want crypto rewards without spending crypto.
Skip it if	You live outside the US or tend to carry a credit card balance.
Network	Mastercard
Card issuer	WebBank
Custody	Rewards are paid into your Gemini account (custodial)
Card type	Credit card
Virtual or physical	Physical metal card (silver, black or rose gold), plus mobile wallets
Cashback	1% to 4% back in crypto
Annual fee	None
Apple Pay / Google Pay	Yes / Yes
Identity check (KYC)	Required, plus a credit check
Where it works	United States only.

Gemini Credit Card fees

Card cost	Free
Annual or membership fee	None
FX and cross-border	No foreign transaction fee
Crypto conversion	None. You spend dollars on credit, and rewards are bought in crypto for you.
ATM withdrawals	Cash advances follow the credit card terms, with a 29.49% variable cash advance APR
Other fees	Purchase APR 18.49% to 34.49% variable if you carry a balance

Mastercard applies its own exchange rate on top of any card markup. Check the fee page in the Gemini Credit Card app for your country before you load money. To see what Gemini Credit Card would cost you in a year compared with every other card, try the cost calculator.

What a $100 purchase costs with Gemini Credit Card

$0.00Paid from stablecoins in the card's own currency

$0.00Paid from stablecoins in a foreign currency

$0.00Paid from other crypto, like BTC or ETH

$1.00Cashback on $100, Credit card tier

These are Gemini Credit Card's own fees on the Credit card tier, before the card network's exchange rate and any ATM or top-up costs. Its FX markup of 0% is lower than the median of 1% across the 60 cards we track with a published FX fee, and cheaper than 37 of them. For a full year based on your own spending, use the cost calculator.

Where it ranks by our score: #6 of 20 in United States

Cashback and rewards

4% on gas, EV charging, transit, taxis and rideshares, on up to $300 a month, then 1%
3% on dining, 2% on groceries, 1% on everything else
Choose bitcoin, ether or 50+ other cryptos for your rewards, and switch any time
Rewards land in your Gemini account

Deposits and withdrawals

How to top up

Nothing to top up. It's a credit card, so you pay a monthly bill from your bank account.

Fees: No fee to pay your bill. Interest applies if you don't pay in full.

How to withdraw

Sell or withdraw your crypto rewards from your Gemini account

Fees: Gemini's normal trading and withdrawal fees apply to your rewards.

Supported assets: Rewards in BTC, ETH and 50+ cryptos on Gemini. You spend US dollars.

Where Gemini Credit Card works

United States only.

Not available outside the US. Approval depends on your credit.

United States

Limits and perks

Limits

Credit limit set at approval

Perks

Metal card in three colours
Mastercard benefits

Pros and cons

What's good

No annual fee and no foreign transaction fee
Up to 4% back in your choice of 50+ cryptos
You don't spend your crypto, so no taxable disposals at checkout
Metal card

What's not

US only, and you need good credit
4% category is capped at $300 a month of spend
High APR if you carry a balance
Rewards sit on an exchange

Our take on Gemini Credit Card

The Gemini Credit Card works like any US credit card, except rewards arrive as crypto. You pay with dollars, pay the bill each month, and Gemini buys your chosen crypto as a reward. There's no annual fee and no foreign transaction fee, which is rare for a rewards card.

The best rate is 4% on gas, EV charging, transit and rideshares, but only on the first $300 of those each month, so the 4% is worth at most $12 a month. Dining at 3% and groceries at 2% are where most people will earn. Everything else gets 1%. Because you're spending dollars rather than crypto, you avoid conversion spreads and taxable sales at checkout.

A simple, low-cost way for US residents to earn crypto on everyday spending, as long as you pay the balance in full.

How we scored Gemini Credit Card: 6.7/10

Methodology

Fees 30%

9 No annual fee and no foreign transaction fee. High APR only if you carry a balance.

Rewards 20%

8 Up to 4% in crypto, but the top category is capped.

Control 20%

6 Regulated US credit card. Rewards are custodial.

Reach 15%

3 US only.

Flexibility 15%

5 50+ reward assets, but no crypto spending or top-ups.

Gemini Credit Card FAQ

How much does the Gemini Credit Card cost?

Free. Annual or membership fee: None.

Does Gemini Credit Card have cashback?

1% to 4% back in crypto. 4% on gas, EV charging, transit, taxis and rideshares, on up to $300 a month, then 1%.

What are the Gemini Credit Card FX and ATM fees?

FX: No foreign transaction fee. ATM: Cash advances follow the credit card terms, with a 29.49% variable cash advance APR.

Where is Gemini Credit Card available?

United States only. Not available outside the US. Approval depends on your credit.

Is Gemini Credit Card self-custody?

Rewards are paid into your Gemini account (custodial).

Sources

NerdWallet: Gemini Credit Card reviewIssuer, rewards, fees, APR, Mar 2025
Gemini: Credit card rewards in more assetsReward asset options, Jun 2025
CoinGecko: Best crypto cards2026 listing, US, $0 annual fee, up to 4%

We checked these sources on 16 October 2026. Fees and rewards change often. Spotted something out of date? Report a correction and we'll check it within two working days.