Gemini Credit Card Review 2026
Reviewed by Mihail B. in · · how we verify
Algorithmic score, not user reviews: how it is calculated
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Fees and limits
| Issuance fee | Free |
|---|---|
| Annual fee | Free |
| FX fee | 0% foreign transaction fees (2.49% applies only to crypto purchases on Gemini exchange, not card FX) |
| ATM limit | Cash advance only; $10 or 3% of each cash advance, whichever is greater, at 29.49% APR charged from the transaction date |
| Spending limit | None (US credit card) |
Fees change; the current ones are in Gemini’s terms.
Features
- Welcome bonus: $200 bonus
- Cashback: Up to 4%
The fine print
- 4% on gas, EV charging, transit, taxis and rideshare, 3% on dining, 2% on groceries, 1% on everything else
- The 4% category is capped at $300 of spend a month, then 1%
- Gas bought inside the station shop does not count, and the 2% grocery tier excludes Costco, Sam's Club and Walmart
- Up to 10% back at partner brands, on a limited monthly spend that varies by merchant offer
- Rewards are deposited when the transaction posts, with some exclusions, in bitcoin or another of the 50+ cryptos on Gemini
- APR 16.49-34.49%
- KYC: Yes
- Card type: Virtual and physical metal card, in several designs
- Top up with: Link to Gemini account; spend in fiat (USD)
- Available countries: United States, all 50 states
Who issues the Gemini Credit Card
The Gemini Credit Card is issued by WebBank, USA (Utah industrial bank, FDIC-insured) (Industrial bank). The issuer is named in the source linked below. "The Gemini Credit Card is issued by WebBank." Mastercard World Elite.
Primary source · All cards issued by WebBank · Why the issuer matters
Pros and cons
Pros
- Up to 4% crypto rewards in BTC or 50+ cryptos; 10% back at select merchants; $50 referral bonuses; premium card designs
- No card issuance fee
- No annual maintenance fee
Cons
- US only; requires credit check; 2.49% crypto purchase fee if buying crypto; rewards capped at $300/month for 4% rate
- No IBAN or bank-account features
Regional availability
Available in the United States
The Gemini Credit Card is for US residents: United States, all 50 states.
Banking and fiat rails
Card overview
Gemini is a US crypto credit card, and the category caps matter more than the headline rates. 4% applies on gas, EV charging and transit on the first $300 of monthly category spending, so the realistic ceiling there is $12 a month before everything above drops to 1%. 3% on dining, 2% on groceries, and 1% on everything else apply uncapped. The real edge is up to 10% back at partner brands, on a limited monthly spend that varies by merchant offer.
Cashback is paid in BTC or 50+ supported cryptos and is deposited when the transaction posts, with some exclusions. USA only. Mastercard World Elite via WebBank, a metal card in several designs, APR 16.49-34.49%, and cash advances cost $10 or 3%, whichever is greater, at 29.49% APR from the transaction date. The credit check is a full pull, not a soft inquiry.
Best fit: US users who want a working crypto credit card with predictable categories and accept that the 4% rate is a small slice of total reward value. The up-to-10% partner offers are what make the card pay.
Common questions about the Gemini Credit Card
We do not collect user reviews. Answers come from the card terms, the issuer disclosure and the regulator registers we could reach, rechecked on the Data verified date above.
What are the fees for the Gemini Credit Card?
Is the Gemini Credit Card legit, and who is behind it?
Is the Gemini Credit Card worth it?
How does the Gemini Credit Card cashback work?
Where is the Gemini Credit Card available?
What are the Gemini Credit Card's ATM and spending limits?
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