Last updated: by the Sweepbase Editorial Team
Gemini Credit Card elevates your spending with up to 4% back in Bitcoin, Ethereum, Solana, XRP, or any of 50+ cryptocurrencies on Gemini—instantly deposited with every purchase. Earn 4% on dining, groceries, and streaming services for your first $300 monthly spend, then 1% on everything else, plus 10% back at partner merchants like Chipotle and Southwest Airlines. Choose from stunning card designs including Bitcoin, Solana, and XRP editions, all with zero annual fees. Perfect for Americans who want to invest as they spend while building a diversified crypto portfolio through everyday purchases.
This is a Mastercard crypto card. It offers cashback rewards. Available to US residents.
| Issuance Fee | Free |
|---|---|
| Annual Fee | Free |
| FX Fee | Up to 2.49% crypto conversion + standard Mastercard FX rates |
| ATM Limit | Available at Mastercard ATMs |
| Spending Limit | Based on creditworthiness |
The Gemini Credit Card allows you to top up and spend using 1 supported digital asset. Your crypto is automatically converted to local fiat at the point of sale.
The Gemini Credit Card is best suited for everyday crypto holders looking for a simple, convenient way to spend digital assets without managing wallets manually.
With 4% on gas, 3% on dining, 2% on groceries, 1% on everything else. 4% category capped at $200/month spend. Cashback auto-converts to crypto of choice (50+ options). APR 18.99-34.99%. cashback on eligible purchases, the Gemini Credit Card rewards active spenders who use the card as their daily driver.
The card is currently available in USA only — ideal for residents and frequent travellers in those areas.
Compare the Gemini Credit Card side-by-side with alternatives using the full card listing or explore our Mastercard crypto cards category.
Getting started with the Gemini Credit Card is straightforward. Follow the four steps below to apply, verify your identity, and start spending your crypto.
Visit the official Gemini website or download their mobile app. Register with your email address, set a strong password, and accept the terms of service. Sign-up is free.
Submit a government-issued photo ID (passport or national ID card) along with a live selfie for identity verification. Gemini processes applications in line with AML and KYC regulations.
Once verified, top up your card balance using Link to Gemini account; spend in fiat (USD) via the platform's funding interface. Your crypto is automatically converted to the local fiat currency at the prevailing rate when you spend.
Your virtual Gemini Credit Card is available immediately in the Gemini app. Use it for online purchases, or add it to Apple Pay or Google Pay for in-store contactless payments.
Available in the United States
The Gemini Credit Card is primarily available to US residents. Availability may vary by state due to state-level money transmission licensing requirements. Check the issuer's website for details specific to your state.
Commonly supported states:
