Gemini Credit Card

Annual fee

FreeShow source

Annual fee: Free

Source states (paraphrased): No annual fee

Source: The Gemini Credit Card

Official product page (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 95%

FX fee

0%Show source

FX fee: 0%

Source states (paraphrased): "Foreign Transaction None."

Source: https://assets.ctfassets.net/jg6lo9a2ukvr/4WAbBKi2wX3zG6HFyNP54A/0d3a60b9f15e3a76922c4291b7d11319/2026-09-25_Gemini_Credit_Card_Cardholder_Agreement.pdf

Official product page (tier 1)

Checked by editor · retrieved 25 October 2026 · verified today (Fresh) · confidence 95%

ATM fee

3% (min. $10)*Conditions apply: tap or hover for detailsShow source

ATM fee: 3% (min. $10)

Cash advance: $10 or 3%, whichever is greater; cash advance APR 29.74% from the transaction date

Source states (paraphrased): "Either $10 or 3% of the amount of each cash advance, whichever is greater."

Source: https://assets.ctfassets.net/jg6lo9a2ukvr/4WAbBKi2wX3zG6HFyNP54A/0d3a60b9f15e3a76922c4291b7d11319/2026-09-25_Gemini_Credit_Card_Cardholder_Agreement.pdf

Official product page (tier 1)

Checked by editor · retrieved 25 October 2026 · verified today (Fresh) · confidence 95%

Cash advance: $10 or 3%, whichever is greater; cash advance APR 29.74% from the transaction date

Other fees & markups

Late payment up to $35 · Returned payment up to $35 · Penalty APR 33.74% variableShow source

Other fees & markups: Late payment up to $35 · Returned payment up to $35 · Penalty APR 33.74% variable

Source states (paraphrased): "Late Payment Up to $35." / "Returned Payment Up to $35."

Source: https://assets.ctfassets.net/jg6lo9a2ukvr/4WAbBKi2wX3zG6HFyNP54A/0d3a60b9f15e3a76922c4291b7d11319/2026-09-25_Gemini_Credit_Card_Cardholder_Agreement.pdf

Official product page (tier 1)

Checked by editor · retrieved 25 October 2026 · verified today (Fresh) · confidence 95%

Not yet researched: Monthly fee, Physical card fee, Virtual card fee, Replacement fee, Crypto conversion fee, Top-up fee, Crypto withdrawal fee, Free ATM allowance, Transfer fee, Settlement fee, Small transaction fee.

Base cashback

1%*Conditions apply: tap or hover for detailsShow source

Base cashback: 1%

Everything else; 2% groceries, 3% dining

Source states (paraphrased): Everything else 1%

Source: The Gemini Credit Card

Official product page (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%

Everything else; 2% groceries, 3% dining

Max cashback

4%*Conditions apply: tap or hover for detailsShow source

Max cashback: 4%

Gas, EV charging and transit, on up to $300 spend a month (then 1%)

Source states (paraphrased): 4% back on qualifying purchases is available on up to $300 in spend/month (then 1% on all other qualifying purchases that month).

Source: The Gemini Credit Card

Official product page (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%

Gas, EV charging and transit, on up to $300 spend a month (then 1%)

Cashback paid in

Eligible digital asset selected by the cardholder; bitcoin by default*Conditions apply: tap or hover for detailsShow source

Cashback paid in: Eligible digital asset selected by the cardholder; bitcoin by default

Cardholder picks from Gemini's list of eligible digital assets and can change the election at any time

Source states (paraphrased): you will automatically receive Rewards in bitcoin, unless and until you change your election

Source: Gemini Credit Card Rewards Agreement

Official terms & conditions (tier 1)

Extracted from source by research agent · retrieved 25 October 2026 · verified today (Fresh) · confidence 75%

Cardholder picks from Gemini's list of eligible digital assets and can change the election at any time

Cashback type

CryptoShow source

Cashback type: Crypto

Source: The Gemini Credit Card

Official product page (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%

Cashback-eligible spend cap

$300/month*Conditions apply: tap or hover for detailsShow source

Cashback-eligible spend cap: $300/month

Per month, applies to the 4% gas/EV/transit category only (then 1%); spend cycle refreshes on the 1st of each calendar month

Source states (paraphrased): All qualifying purchases under the 4% back category earn 4% back on up to $300 in spend per month (then 1% thereafter in that month)

Source: The Gemini Credit Card

Official product page (tier 1)

Extracted from source by research agent · retrieved 25 October 2026 · verified today (Fresh) · confidence 85%

Per month, applies to the 4% gas/EV/transit category only (then 1%); spend cycle refreshes on the 1st of each calendar month

Cashback conditions

4% only on the first $300 of gas/EV/transit spend each month, then 1% · 3% dining, 2% groceries, 1% everything else · Spend cycle refreshes on the 1st of each calendar month · Rewards are deposited when the transaction posts; some exclusions apply to instant rewards · 10% Vault Rewards at selected merchants on a limited monthly spend that varies by merchant offerShow source

Cashback conditions: 4% only on the first $300 of gas/EV/transit spend each month, then 1% · 3% dining, 2% groceries, 1% everything else · Spend cycle refreshes on the 1st of each calendar month · Rewards are deposited when the transaction posts; some exclusions apply to instant rewards · 10% Vault Rewards at selected merchants on a limited monthly spend that varies by merchant offer

Source states (paraphrased): All qualifying purchases under the 4% back category earn 4% back on up to $300 in spend per month (then 1% thereafter in that month). Spend cycle will refresh on the 1st of each calendar month.

Source: The Gemini Credit Card

Official product page (tier 1)

Extracted from source by research agent · retrieved 25 October 2026 · verified today (Fresh) · confidence 85%

Reward exclusions

ATM transactions · Card account fees · Interest charges · Cash advances · Gift cards, prepaid debit cards, traveler's checks, precious metals, casino chips, cryptocurrency, lottery tickets and other cash equivalents · Balance transfers · Credit card convenience checks · Reloading prepaid cards · Gaming-related transactions*Conditions apply: tap or hover for detailsShow source

Reward exclusions: ATM transactions · Card account fees · Interest charges · Cash advances · Gift cards, prepaid debit cards, traveler's checks, precious metals, casino chips, cryptocurrency, lottery tickets and other cash equivalents · Balance transfers · Credit card convenience checks · Reloading prepaid cards · Gaming-related transactions

Full list in the Qualifying Purchase Transaction definition; Gemini Constellation may add exclusions at any time

Source states (paraphrased): you will NOT be eligible to receive Rewards for such transactions: ATM transactions; Card Account fees; Interest charges; Cash advance transactions;

Source: Gemini Credit Card Rewards Agreement

Official terms & conditions (tier 1)

Extracted from source by research agent · retrieved 25 October 2026 · verified today (Fresh) · confidence 90%

Full list in the Qualifying Purchase Transaction definition; Gemini Constellation may add exclusions at any time

Not yet researched: Interest on balance, Max cashback per month, Staking / holding required for top rewards, Staking asset, Capital required for top rewards, Minimum balance, Reward expiry / vesting.

Credit line

Yes*Conditions apply: tap or hover for detailsShow source

Credit line: Yes

Subject to credit approval

Source: Gemini Credit Card Cardholder Agreement (25 Sep 2026)

Official terms & conditions (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 85%

Subject to credit approval

Credit type

Revolving creditShow source

Credit type: Revolving credit

Source: Gemini Credit Card Cardholder Agreement (25 Sep 2026)

Official terms & conditions (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

Interest (APR)

16.74%*Conditions apply: tap or hover for detailsShow source

Interest (APR): 16.74%

16.74% to 34.74% variable purchase APR based on creditworthiness (Prime Rate 7.00% on 25 Sep 2026)

Source states (paraphrased): "Annual Percentage Rate (“APR”) for Purchases 16.74 to 34.74%"

Source: https://assets.ctfassets.net/jg6lo9a2ukvr/4WAbBKi2wX3zG6HFyNP54A/0d3a60b9f15e3a76922c4291b7d11319/2026-09-25_Gemini_Credit_Card_Cardholder_Agreement.pdf

Official product page (tier 1)

Checked by editor · retrieved 25 October 2026 · verified today (Fresh) · confidence 95%

16.74% to 34.74% variable purchase APR based on creditworthiness (Prime Rate 7.00% on 25 Sep 2026)

Grace period

Payment due at least 25 days after each billing cycle closes; no interest on purchases when the full balance is paid by the due dateShow source

Grace period: Payment due at least 25 days after each billing cycle closes; no interest on purchases when the full balance is paid by the due date

Source states (paraphrased): "We will not charge you any interest on purchases if you pay your entire balance by the Payment Due Date each month."

Source: https://assets.ctfassets.net/jg6lo9a2ukvr/4WAbBKi2wX3zG6HFyNP54A/0d3a60b9f15e3a76922c4291b7d11319/2026-09-25_Gemini_Credit_Card_Cardholder_Agreement.pdf

Official product page (tier 1)

Checked by editor · retrieved 25 October 2026 · verified today (Fresh) · confidence 95%

Not yet researched: Collateral assets, Max loan-to-value, Interest notes, Repayment, Liquidation risk, Spend own balance directly, Spend by borrowing against collateral.

Available in

United States*Conditions apply: tap or hover for detailsShow source

Available in: United States

US residents only, at application and while the account is open

Source states (paraphrased): "You must reside in the United States when you apply for the Account and at all times while the Account remains open."

Source: https://assets.ctfassets.net/jg6lo9a2ukvr/4WAbBKi2wX3zG6HFyNP54A/0d3a60b9f15e3a76922c4291b7d11319/2026-09-25_Gemini_Credit_Card_Cardholder_Agreement.pdf

Official product page (tier 1)

Checked by editor · retrieved 25 October 2026 · verified today (Fresh) · confidence 95%

US residents only, at application and while the account is open

Not yet researched: Not available in, Account / spend currencies, Own IBAN / bank details.

Physical card

YesShow source

Physical card: Yes

Source: Gemini Credit Card Cardholder Agreement (25 Sep 2026)

Official terms & conditions (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

Virtual card

YesShow source

Virtual card: Yes

Source states (paraphrased): "if you use your virtual card before you receive, activate and use your physical Card"

Source: https://assets.ctfassets.net/jg6lo9a2ukvr/4WAbBKi2wX3zG6HFyNP54A/0d3a60b9f15e3a76922c4291b7d11319/2026-09-25_Gemini_Credit_Card_Cardholder_Agreement.pdf

Official product page (tier 1)

Checked by editor · retrieved 25 October 2026 · verified today (Fresh) · confidence 95%

Not yet researched: Apple Pay, Google Pay, ATM withdrawals, Spend stablecoins, Airport lounge access, Travel / rental car insurance, Purchase protection, Spendable assets, Blockchains.

Regulation / licences

Gemini Trust Company, LLC NMLS #1518126 · Gemini Moonbase, LLC NMLS #2403509*Conditions apply: tap or hover for detailsShow source

Regulation / licences: Gemini Trust Company, LLC NMLS #1518126 · Gemini Moonbase, LLC NMLS #2403509

Entities offering the rewards program; card issued by WebBank

Source states (paraphrased): Gemini Trust Company, LLC NMLS #1518126. Gemini Moonbase, LLC NMLS #2403509.

Source: Gemini Credit Card Rewards Agreement

Official terms & conditions (tier 1)

Extracted from source by research agent · retrieved 25 October 2026 · verified today (Fresh) · confidence 75%

Entities offering the rewards program; card issued by WebBank

Not yet researched: Deposit protection, Smart-contract risk.

No limits data published or researched yet.

Product status

ActiveShow source

Product status: Active

Source: The Gemini Credit Card

Official product page (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 80%

Card type

Credit cardShow source

Card type: Credit card

Source states (paraphrased): The Gemini Mastercard® Credit Card Cardholder Agreement

Source: Gemini Credit Card Cardholder Agreement (25 Sep 2026)

Official terms & conditions (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%

Network

Mastercard*Conditions apply: tap or hover for detailsShow source

Network: Mastercard

Mastercard World Elite

Source states (paraphrased): Mastercard® World Elite

Source: The Gemini Credit Card

Official product page (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%

Mastercard World Elite

Custody model

Custodial*Conditions apply: tap or hover for detailsShow source

Custody model: Custodial

Crypto rewards are deposited into the Gemini account

Source states (paraphrased): Rewards are instantly deposited

Source: The Gemini Credit Card

Official product page (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 70%

Crypto rewards are deposited into the Gemini account

Card issuer / program manager

WebBankShow source

Card issuer / program manager: WebBank

Source states (paraphrased): "Gemini Mastercard Credit Card is issued by WebBank"

Source: https://assets.ctfassets.net/jg6lo9a2ukvr/4WAbBKi2wX3zG6HFyNP54A/0d3a60b9f15e3a76922c4291b7d11319/2026-09-25_Gemini_Credit_Card_Cardholder_Agreement.pdf

Official product page (tier 1)

Checked by editor · retrieved 25 October 2026 · verified today (Fresh) · confidence 95%

Not yet researched: Launch date, Tiers / plans.