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Gemini Credit Card
Gemini

Gemini Credit Card

A no-annual-fee crypto card from Gemini.

Cash back only
Annual fee
No annual fee
Welcome bonus
None
Min spend
N/A
Recommended credit
Good (670+)
Network
Mastercard
Foreign transaction fee
None
Apply on Gemini site6.0/10Our rating · review ›

Rates, fees, and full terms are set by Gemini and can change. See current rates & fees on the issuer’s site, and always confirm the latest terms before applying.

Before you apply: credit card application and welcome-bonus rules →
Offer last verified July 24, 2026. How we verify.

Is this card right for you?

✓ Best for

people who spend heavily on gas, dining, and groceries.

⚠ Think twice if

your spending is spread evenly, where a flat-rate card would likely earn you more.

Earning rates

4% back in crypto on gas (up to $300/month, then 1%)
3% back in crypto on dining
2% back in crypto on groceries
1% back in crypto on all other purchases
Choose your crypto: Bitcoin, Ethereum, and 40+ options
Rewards deposited to your Gemini account in real time, no waiting

Best ways to earn & redeem

Put your gas, dining, and groceries spending on this card to earn at its highest rates, and let a different card handle the categories it does not bonus. Its gas rate is among the stronger ones you will find in that category.

When you cash in, take the rewards as cash back or a statement credit, worth a flat 1 cent each. We value every point at a flat 1 cent, so treat any transfer upside as a bonus rather than the baseline — see what your points are really worth.

Features & benefits

No annual fee, no foreign transaction fees
No minimum redemption threshold
Tap to pay with Apple Pay and Google Pay
Mastercard World Elite travel and purchase benefits
Freeze your card instantly from the Gemini app

Alternatives to the Gemini Credit Card

Pairs well with

The Gemini Credit Card earns the most in its bonus categories, so pair it with a no-fee flat-rate card to cover everything it only earns a base rate on.

How does it rank for your spending?

Every card is ranked by what it actually returns on the way you spend. Run your numbers and see where the Gemini Credit Card lands.

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