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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:

Issued by WebBank. I agree to updates and offers pursuant to Gemini’s Privacy Policy. Var. APRs: Purch. 13.74% - 24.74%, C/A 26.74%, Penalty 30.74%. Cash adv. fee $10 or 3% whichever is greater. 3% back on dining (up to $6,000 in annual spend, then 1%), 2% on groceries, 1% on other purchases. Some exclusions apply to instant rewards in which rewards are deposited when the transaction posts. Gemini Credit Card terms and conditions will apply

Up to 3% back

Rewards in bitcoin, ether, or 60+ other cryptos

No annual fee*

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.

1. Some exclusions apply in which rewards are deposited when the transaction posts. Subject to Rewards Program Terms.
+ This content is for general informational purposes only and is not investment advice. Buying, selling, and trading cryptocurrency involves risks. You should consult a qualified, licensed advisor before engaging in any transaction. Past performance is no guarantee of future results
Mobile notification detailing percentage earned from recent credit card purchase
3% back on dining✝ Up to $6,000 in annual spend and then 1% back on everything else
2% back on groceries
1% back on all other purchases
No annual fee

No annual fee*

Plus, no foreign transaction fees* and no exchange fees to acquire your crypto rewards.

3.  Fees may be incurred for selling or converting your crypto rewards.

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.
Instant rewards the moment you swipe
Maximize rewards

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.

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World-class security

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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.

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Mastercard® benefits

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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

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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.

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Make a purchase with your Gemini Credit Card anywhere in the world where Mastercard is accepted.

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Crypto rewards are automatically and instantly deposited into your Gemini account.

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Trade or HODL (hold) your crypto rewards—you have full control over your rewards.

Card features

Rewards
Feature

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.
Feature

Rewards available in bitcoin, ether, or 60+ other cryptocurrencies

Feature

Change your crypto reward type at any time, as much as you like

Feature

Receive rewards when the transaction occurs**

** Some exclusions apply in which rewards are deposited when the transaction posts. Subject to Rewards Program Terms.
No fees to use your card
Feature

No annual fee*

Feature

No foreign transaction fees*

Feature

No exchange fees to acquire your rewards5

5Fees may be incurred for selling or converting your crypto rewards.
Security
Feature

Crypto rewards are protected by Gemini’s world-class security

Feature

Mastercard Zero Liability Protection on Unauthorized Transactions

Feature

Mastercard ID Theft Protection™

Feature

Instantly lock your card anytime from the Gemini app

Feature

Receive real-time alerts based on transaction size or type

Other Features and Benefits
Feature

Your choice of a black, silver, or rose gold stainless-steel card, made from 75% recycled material

Feature

Access to a digital card

Feature

Available to residents of all 50 U.S. states

Feature

24/7 Customer Support

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Access to card features and details in the Gemini mobile app

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Exclusive offers with select merchants such as DoorDash, HelloFresh, Lyft, and ShopRunner

Frequently asked questions

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.