3.4/5
The Gemini Credit Card®
- Best for: Cardholders who want a small crypto holding to grow from everyday spending
- What Sets It Apart: Rewards paid in bitcoin or 50-plus other cryptos you can switch anytime, most within minutes of each purchase
- Rewards: 4% on gas at the pump, EV charging, transit, taxis, and rideshare on up to $300 a month, then 1%; 3% on dining; 2% at grocery stores; 1% on everything else; 10% at select online brands
- Features: World Elite Mastercard benefits; up to five authorized users at no cost
- Annual Fee: $0
- APR: 16.74% to 34.74% variable
- Cost: No foreign transaction fee; cash advance fee of 3% or $10, whichever is greater; late fee up to $35
- Eligibility: Approval for a Gemini Exchange account
- Pros: No annual fee; crypto without buying any; no monthly cap on dining or grocery rewards
- Cons: 4% rate capped at $300 of spending a month; rewards lose value when prices fall; no welcome offer; rewards can’t pay the bill
The crypto exchange Gemini runs this Mastercard, and WebBank issues it. Every reward is paid into your Gemini account as crypto, so decide whether crypto belongs in your portfolio before you apply.
Key Features
- No annual fee, and no extra fee on purchases made abroad
- 4% back on gas at the pump, EV charging, transit, taxis, and rideshare, on up to $300 a month, then 1% until the cap resets on the 1st
- 3% back on dining, 2% at grocery stores, and 1% on everything else
- Rewards in bitcoin or one of 50-plus other cryptocurrencies, most deposited within minutes and the rest usually within three days
- Variable interest rate (APR) of 16.74% to 34.74%
Pros
- Crypto rewards without buying any yourself
- No annual fee to earn back
- No monthly cap on the 3% dining and 2% grocery rates
- Switch your reward coin as often as you like
- Prequalification that doesn’t affect your credit score
Cons
- The 4% rate stops at $300 of spending a month, worth $12 in rewards at most
- Only 1% on purchases outside the three bonus categories
- Rewards lose value when crypto prices fall
- No welcome offer since Gemini paused it on January 31, 2026
- Rewards can’t pay the bill until you sell them and move the money to your bank
Cardholders who want crypto get it here with no annual fee, and a household spending $300 a month on gas and transit, $400 on dining, and $500 on groceries earns $34 a month in crypto. Anyone who’d need rewards to help pay bills should get a cash back credit card instead, since its rewards keep their dollar value.
Learn more about The Gemini Credit Card® or see how it compares to the best crypto credit cards.
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