Issuer referenceCrypto cardMastercard

Gemini Credit Card

A US Mastercard credit card that spends dollars and deposits rewards in the chosen cryptoasset.

Gemini Credit CardMastercard

Gemini Credit Card is a WebBank-issued World Elite Mastercard credit product for eligible US residents. It spends US dollars rather than crypto and deposits qualifying rewards into the linked Gemini account in bitcoin or another supported asset. The current programme has no annual or foreign transaction fee, but applicants remain subject to credit approval, rates, cardholder terms, and reward exclusions.

Go to official site View all cardsReviewed 2026-08

Rewards

1-4% % in the selected supported cryptoasset

Fees

$0 annual fee

Custody

Custodial

Eligibility

Eligible applicants resident in all 50 US states, subject to credit approval and programme terms. The card is not available outside the United States.

Fees

Monthly fee$0 annual fee

IssuanceNo separate card-issuance fee is published on the current product page

FX$0 foreign transaction fee

ATMCredit-card cash advances are governed by the cardholder agreement and rates; this is not presented as an ATM debit product

Top-upsNo crypto top-up: purchases use a US-dollar credit line and qualifying rewards are deposited into the linked Gemini account

Rewards

Current product rates are 4% on up to $300 per month in qualifying gas, EV charging, and transit spend, then 1%; 3% dining, 2% groceries, and 1% other qualifying purchases. Separate merchant offers can reach 10% with their own limits.

Availability

Eligible applicants resident in all 50 US states, subject to credit approval and programme terms. The card is not available outside the United States.

United States

Official sources

Gemini Credit CardCurrent Mastercard, WebBank issuer, reward categories, asset choices, annual-fee, foreign-transaction-fee, and merchant-offer disclosures.Gemini card rewards agreementCurrent card entities, WebBank issuer, reward account, qualifying purchase, and servicing boundaries.Gemini Credit Card product overviewUS-only eligibility, fiat-dollar spending, automatic crypto reward deposit, and issuer and network roles.Gemini cardholder agreementCurrent April 2026 controlling credit-card agreement and credit-product boundary.

Pros & cons

Pros

No annual fee
No foreign transaction fee
Rewards in bitcoin or more than 50 supported cryptoassets
Current category rewards up to four percent
Physical metal card and digital-wallet support

Cons

United States only
Credit approval required
Not direct crypto spending
Rewards are custodially deposited at Gemini
Category caps and exclusions apply

Best for

Eligible US Gemini users
People seeking crypto rewards without selling crypto
Cardholders who match the current bonus categories

Alternatives

Coinbase One Card

Check official terms

This is not financial advice. Conditions change frequently: verify fees, rewards, custody and eligibility on the official site before applying.

Fees

Monthly fee$0 annual fee

IssuanceNo separate card-issuance fee is published on the current product page

FX$0 foreign transaction fee

ATMCredit-card cash advances are governed by the cardholder agreement and rates; this is not presented as an ATM debit product

Top-upsNo crypto top-up: purchases use a US-dollar credit line and qualifying rewards are deposited into the linked Gemini account

Pros & cons

Pros

No annual fee
No foreign transaction fee
Rewards in bitcoin or more than 50 supported cryptoassets
Current category rewards up to four percent
Physical metal card and digital-wallet support

Cons

United States only
Credit approval required
Not direct crypto spending
Rewards are custodially deposited at Gemini
Category caps and exclusions apply