Gemini Credit Card
Mastercard World Elite credit card. Earns 4% on Gas/EV/Transit (capped at $300/mo), 3% on Dining, 2% on Groceries, 1% everywhere else. Up to 10% at select merchants via app offers. Rewards paid instantly on swipe in BTC, ETH or 50+ cryptos.
Is the Gemini Credit Card worth it?
The Gemini Credit Card is a credit card on Mastercard, paying up to 4% back on spend, with no annual fee. Whether it suits you comes down to the trade-offs below.
GOOD FIT IF
- you want up to 4% back on everyday spending
- you don't want to stake or lock up a token to earn the rate
- you want a card with no annual fee
THINK TWICE IF
- you want to hold your own keys — this card is custodial
How we rate the Gemini Credit Card
- Cost25%5.0 / 5
No annual fee, no foreign transaction fee and no cost to convert rewards — one of the few cards here with nothing to pay for holding or using it.
- Conditions25%4.5 / 5
A real credit card, so it needs approval, but there is no stake, balance or subscription. The 4% headline applies only to fuel and transit, and only to $300 a month.
- Rewards25%3.5 / 5
Blended across its categories, typical spending earns roughly 1.8%: 4% on fuel and transit to $300, 3% dining, 2% groceries, 1% elsewhere, in your choice of 50+ assets.
- Reliability25%4.0 / 5
Issued by WebBank with clearly published terms and an established exchange behind it, though Gemini withdrew the card from the UK and EU in April 2026.
Four criteria, each worth 25%, scored by us against the issuer's published terms — the total above is their average, not a separate judgement. Scored September 16, 2026. Read the full scoring model. No issuer can pay to change a score.
The card at a glance
Earning Up to 4%
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.
Up to 4%, 4% back on gas, EV charging, transit, taxis and rideshares on the first $300 each month, then 1%. 3% on dining, 2% on groceries, 1% on everything else, paid in BTC, ETH, SOL, XRP, DOGE, 50+ cryptos. No staking required for the base rate.
Fees you'll actually meet
ℹ️ 4% back on gas, EV charging, transit, taxis and rideshares on the first $300 each month, then 1%. 3% on dining, 2% on groceries, 1% on everything else.
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 applies to the first $300 of spend each month
- 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
Common questions
Where can I use the Gemini Credit Card?
Does the Gemini Credit Card have an annual fee?
Do I need to stake anything to earn rewards?
How much can I earn with the Gemini Credit Card?
Does it work with Apple Pay and Google Pay?
Figures on this page come from Gemini, issued by WebBank's published card terms and were verified on September 30, 2026. 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.
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