The Gemini Credit Card®
The Gemini Credit Card®
Apply now at Gemini's secure site
Credit Cards»The Gemini Credit Card®
The Gemini Credit Card®See Rates & Fees
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The Gemini Credit Card®

Our rating:4.3 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.

Good to Excellent

Credit Recommended

CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Apply now at Gemini's secure site
Intro Bonus
$200 in cryptoEarn a $200 in crypto bonus if you are approved by June 30, 2025 and spend $3,000 in your first 90 days as a new cardholder.
Reward Rates
4%Get 4% back on gas, EV charging, transit, taxis & rideshares on up to $300 in spend per month. 1% thereafter. Spend cycle refreshes on the 1st of the calendar month.
3%3% back on dining
2%2% back on groceries
1%1% back on all other purchases
Balance Transfers Intro APR
N/A
Purchases Intro APR
N/A
Regular APR
17.24% - 29.24% Variable
Annual Fee
None.

Highlights

  • Earn $200 in cryptocurrency after spending $3,000 in the first 90 days. To qualify, applications need to be submitted and approved by June 30, 2025. Terms apply.
  • No annual fee and no foreign transaction fees. See Rates & Fees to learn more.
  • Get 4% back on gas, EV charging, transit, taxis & rideshares on up to $300 in spend per month. 1% thereafter. Spend cycle refreshes on the 1st of the calendar month.
  • 3% back on dining, 2% back on groceries, 1% back on all other purchases
  • It’s the only credit card that deposits your crypto rewards immediately. In some rare cases, rewards are deposited when the transaction posts. Subject to Rewards Program Terms.
  • You can earn rewards in bitcoin, ethereum or 50+ other cryptos currently available on Gemini.
  • Maximize your crypto rewards by adding family, friends or a special someone to your primary account.
  • Your choice of a black, silver, or rose gold stainless-steel card, made from 75% recycled material
  • Make a purchase with your Gemini Credit Card anywhere in the world where Mastercard is accepted.
  • The Gemini Credit Card is issued by WebBank and offers various benefits from Mastercard.

Features

  • Excellent Credit
    Excellent Credit
  • Gas
    Gas
  • Good Credit
    Good Credit
  • Rewards
    Rewards

Staff Review

Editor's Rating:

4.3 out of 5

Our take: The Gemini Credit Card’s excellent, everyday rewards rates give cardholders a low-risk way to dip their toes into several popular cryptocurrencies — although it’s still a gamble whether the rewards will be worth more or less than the value a traditional cash or travel rewards card would provide instead. ([capi_terms_link pid="8401"])

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All reviews are prepared by CreditCards.com staff. Opinions expressed therein are solely those of the reviewer. The information, including card rates and fees, presented in the review is accurate as of the date of the review.