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The Gemini Credit Card®
A Gemini Mastercard®
Earn crypto rewards on every purchase
If you are a Gemini user, log in and navigate to the card tab to apply. For all others who wish to apply, create an account and see if you prequalify below:
Effortlessly earn rewards that can appreciate in value+
With the Gemini Credit Card, you can earn rewards in bitcoin, ethereum or 60+ other cryptos currently available on Gemini. It’s the only credit card that deposits your crypto rewards immediately. That means the crypto you earn lands in your Gemini account the instant you swipe, not a month later. 1 No need to time the market or pay trading fees. Earn bitcoin, ether, or any of your favorite cryptos simply by living your life, every day, every purchase.




Instant rewards the moment you swipe4
The only credit card that doesn’t make you wait a month for your crypto rewards so you can benefit from any crypto price appreciation the moment you swipe.
4. Some exclusions apply in which rewards are deposited when the transaction posts. Subject to Rewards Program Terms.
Maximize your rewards
Bitcoin rewards would’ve been worth 21x more than cash back over a 6 year period+
+Consumers’ rewards would have been worth 21X more than cash back if they had earned and held bitcoin rewards from 1/1/2016 - 1/1/2022, assuming a proportional rate of spend over that period.Customizable luxury
Choose from black, silver, or rose gold metal cards. The beautiful, clean design isn’t just for looks — we designed this with a security-first approach and removed the card number from the card to protect your account details. Access your card number anytime in the Gemini mobile or web app.
World-class security
World-class security
Trust is our product. Features like two-factor authentication and state-of-the-art encryption keep your personal information and crypto assets safe. More on our security features here.
Mastercard® benefits
Mastercard® benefits
Mastercard monitors your account for unauthorized purchases and identity theft, ensuring you won’t be held liable and can stay focused on the perks. Learn more about Mastercard benefits.
How it works
Make a purchase with your Gemini Credit Card anywhere in the world where Mastercard is accepted.
Crypto rewards are automatically and instantly deposited into your Gemini account.
Trade or HODL (hold) your crypto rewards—you have full control over your rewards.
Make a purchase with your Gemini Credit Card anywhere in the world where Mastercard is accepted.
Crypto rewards are automatically and instantly deposited into your Gemini account.
Trade or HODL (hold) your crypto rewards—you have full control over your rewards.
Card features
Rewards
Up to 3% back on dining,† 2% back on groceries, 1% back on all other purchases
†Up to $6,000 in annual spend, then 1% back on everything else.Rewards available in bitcoin, ether, or 60+ other cryptocurrencies
Change your crypto reward type at any time, as much as you like
Receive rewards when the transaction occurs**
** Some exclusions apply in which rewards are deposited when the transaction posts. Subject to Rewards Program Terms.Security
Crypto rewards are protected by Gemini’s world-class security
Mastercard Zero Liability Protection on Unauthorized Transactions
Mastercard ID Theft Protection™
Instantly lock your card anytime from the Gemini app
Receive real-time alerts based on transaction size or type
Other Features and Benefits
Your choice of a black, silver, or rose gold stainless-steel card, made from 75% recycled material
Access to a digital card
Available to residents of all 50 U.S. states
24/7 Customer Support
Access to card features and details in the Gemini mobile app
Exclusive offers with select merchants such as DoorDash, HelloFresh, Lyft, and ShopRunner
Frequently asked questions
Which cryptocurrencies can I choose from?
You can choose from over 60+ cryptocurrencies available on the Gemini Exchange. The full list can be found here.
Can I change my crypto reward type?
Yes. You can change your crypto reward type at any time and it will be reflected on all future transactions. There is no limit to how many times you can change your crypto reward type.
How do you determine the cost basis for my rewards?
The cost basis is set as the market price of the specific crypto when the reward is disbursed. Gemini does not charge fees on providing crypto rewards.
Which purchases provide rewards after the transaction posts?
Certain purchases made at hotels, gas stations, car rental agencies, and any other transactions that a merchant's acquiring bank or payment processor specifies as a pre-authorization are excluded from instant rewards. For these categories, you will receive the rewards when the transaction posts. An example of a pre-authorization is when a gas station places a $50 hold when authorizing the card, even if you only intend to purchase $20 worth of gas. The $50 hold will remain until the transaction clears and posts to your Account, which can take 24-72 hours. In this example, you will receive Rewards on the $20 worth of gas when it clears and posts to your Account (and you will not receive Rewards on the $50 authorization hold).
The timing of your Rewards is subject to the Rewards Program Terms.
What are the tax implications of receiving crypto rewards?
In general, the IRS deems credit card rewards as “rebates” rather than “income” which would imply they are non-taxable. There are some scenarios (such as selling crypto for a profit) that may need to be considered for tax implications. This content is for informational purposes only and is not tax or legal advice. Please consult your tax advisor for further guidance.
Visit our Help Center for more information and additional FAQs.
**The standard variable APR for purchases will be between 13.74% and 24.74%, 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 26.74%. This APR will vary with the market based on the Prime Rate. The variable penalty APR is 30.74% 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 $20. Returned payment fee—up to $35. Issued by WebBank. Subject to cardholder Terms and Conditions. Subject to Rewards Program Terms.