The card at a glance
CARD TYPE
Credit
Card category
NETWORK
Mastercard
Where it's accepted
ANNUAL FEE
Free
Cost to hold the card
MAX REWARD
Up to 10%
At select merchants; 4% Gas, 3% Dining, 2% Groceries, 1% general
REWARDS IN
BTC, ETH, SOL, XRP, DOGE, 60+ cryptos
How rewards are paid
FX FEE
0%
On foreign-currency spend
REGION
United States only (closed UK & EU in April 2026)
Where it's available
STAKING
Not required
Lock-up to earn rewards
SIGNUP BONUS
$200 after spending $3k within 90 days
Welcome offer
Earning Up to 10%
The headline rate is usually the top of a band, not a flat rate on everything. In practice most spending earns the base rate, and the higher figure applies to selected merchants, campaigns or staking tiers.
Reward summary
Up to Up to 10%, at select merchants; 4% gas, 3% dining, 2% groceries, 1% general, paid in BTC, ETH, SOL, XRP, DOGE, 60+ cryptos. No staking required for the base rate.
Fees you'll actually meet
Annual fee
Cost to hold the card each year
Free
Monthly fee
Recurring account cost
None
FX spread
Applied on foreign-currency spend
0%
ATM withdrawal
Cash withdrawal cost
Cash advance fees apply (standard credit card)
Crypto conversion
When spending crypto directly
Free
Issuance fee
One-off cost to get the card
Free
ℹ️ At select merchants; 4% Gas, 3% Dining, 2% Groceries, 1% general
Strengths and trade-offs
WORKS FOR YOU IF
✓Instant crypto rewards on every purchase
✓No annual fee
✓No foreign transaction fees
✓Mastercard World Elite benefits
✓Up to 10% back at select merchants
LOOK ELSEWHERE IF
!Only 1% back on general spend
!Gas/EV 4% rate capped at ~$200-300/mo
!Requires hard credit check
!Custodial until you withdraw
!US only
What sets it apart
✦Instant rewards — paid on swipe not at statement close
✦Switch reward currency anytime in app
✦Available in metal designs including XRP and Bitcoin editions
✓ Apple Pay✓ Google Pay✓ iOS app✓ Android app✓ No staking
Common questions
Where can I use the Gemini Credit Card?
+
Does the Gemini Credit Card have an annual fee?
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Do I need to stake anything to earn rewards?
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How much can I earn with the Gemini Credit Card?
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Does it work with Apple Pay and Google Pay?
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Figures on this page come from Gemini Space Station's published card terms. Rewards, fees and availability change often and vary by region. See our methodology for how we score and verify every card. This is not financial advice.
