The Gemini Credit Card is issued by WebBank.

1. Rewards available in bitcoin, ether, or 50+ other cryptocurrencies. All qualifying purchases under the 4% back category earn 4% back on up to $300 in spend per month (then 1% thereafter in that month). Spend cycle will refresh on the 1st of each calendar month. Some exclusions apply to instant rewards in which rewards are deposited when the transaction posts. Subject to .

2. Checking if you pre-qualify will not impact your credit score. When you check to see if you pre-qualify, we will look at some of your credit history and other personal information. If you pre-qualify and choose to continue with your application, we will conduct a hard credit inquiry that can impact your credit score. Pre-qualification does not guarantee approval.

3. This content is for general informational purposes only and is not investment advice. Buying, selling, and trading cryptocurrency involves risks, including the risk of losing all of the invested value. You should consult a qualified, licensed advisor before engaging in any transaction. Past performance is no guarantee of future results.

4. Based on an analysis where the dollar value of Bitcoin as of June of corresponding year was compared against the US dollar from 2014 through June 2024. Buying, selling, and trading cryptocurrency involves risks, including the risk of losing all the invested value. You should consult a qualified, licensed advisor before engaging in any transaction. Past performance is no guarantee of future results.

5. The standard variable APR for purchases will be between 17.24% - 29.24%, based on your creditworthiness. After that, your APR will vary with the market based on the Prime Rate. The standard variable APR for cash advances will be 30.24%. This APR will vary with the market based on the Prime Rate. The variable penalty APR is 34.24% and may be applied if you make a late payment or make a payment that is returned. Annual fee—None. Fee for foreign purchases—None. Cash advance fee—either $10 or 3% of the amount of each cash advance, whichever is greater. Late payment fee—up to $8. Returned payment fee—up to $35. Issued by WebBank. Subject to cardholder . Subject to .

6. Fees may be incurred for selling or converting your earned crypto rewards. No exchange fees to acquire your rewards.

7. Add up to five family members or trusted individuals. Track spending by user. Add and manage users at any time from Card Settings. Build credit together. We may report information about your Account or Authorized Users to credit bureaus and others. Late payments, missed payments, or other defaults on your Account may be reflected in your credit report and Authorized Users’ credit reports.

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