Specifications
| Card network | Mastercard |
|---|---|
| Provider | Gemini Trust Company / WebBank |
| Funding model | Credit line (you spend, then settle later) |
| Settlement currency | USD |
| Available in | US (all 50 states + Puerto Rico) |
| Supported chains | N/A (rewards paid via Gemini exchange) |
| Supported assets | BTC, ETH, USDC, SOL + 70 others (rewards currency choice) |
| Issuance fee | $0 |
| Monthly fee | $0 |
| FX markup | 0% |
| ATM fee | Free or not disclosed |
| Top-up fee | 0% |
| Foreign transaction fee | 0% |
| Cashback | Up to 4% in BTC, ETH, USDC, or 70+ tokens (realistic ~1.5%) |
| Cashback monthly cap | $12 |
| Daily spend limit | — |
| Monthly spend limit | — |
| Last verified | 2026-04-30 |
What to watch out for
True revolving credit card (not debit/prepaid); WebBank issued; Mastercard World Elite benefits including price protection, theft protection, ID monitoring; metal stainless steel card (75% recycled) in silver/black/rose gold; no foreign transaction fees; soft credit pull for pre-qualification
Editorial notes
Only US-residents; requires credit check (hard pull at full application, soft at pre-qualification); cashback caps at $300/mo for 4% category equals max $12 in 4% rewards; rewards deposited instantly to Gemini Exchange account; cash advance fee 3% + $10 with 29.99% APR; APR 18.49 to 34.49 percent variable; late fee up to $8
Frequently asked questions
Where is the Gemini Credit Card available?
As of 2026-04-30, Gemini Credit Card is available to residents of United States. Specific country list: US (all 50 states + Puerto Rico).
How does the Gemini Credit Card cashback work?
Gemini Credit Card offers up to 4% cashback paid in BTC, ETH, USDC, or 70+ tokens. 4% on gas/EV charging/transit/rideshare (cap $300/mo spend, then 1%); 3% on dining; 2% on groceries; 1% on everything else. Solana Edition (Oct 2025) adds auto-staking on SOL rewards (~6% APR). 50+ reward currency options (changeable). No annual fee, 0% FX. APR 18.49-34.49% if balance carried. US only. In practice, the realistic effective rate for most users is around 1.5%.
What are the fees on the Gemini Credit Card?
Gemini Credit Card has no issuance fee, no monthly fee, no FX markup. See the spec table above for ATM and top-up fees.
Last verified 2026-04-30. Rates and availability change frequently — confirm with the issuer before signing up. See our methodology for how we collect and verify this data.