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The Gemini Credit Card™

Earn crypto rewards on every purchase

Join the waitlist for early access to see if you pre-qualify. No impact to your credit.

Issued by WebBank. I agree to updates and offers pursuant to Gemini’s Privacy Policy. Gemini Credit Card terms and conditions will apply.

Up to 3% back

Rewards in bitcoin, ether, or 40+ other cryptos

No annual fee*

Effortlessly earn rewards that can appreciate in value+

With the Gemini Credit Card, you can earn rewards in bitcoin, the best performing asset class of the last decade,1 or 40+ 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.2 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.

2. Some exclusions apply in which rewards are deposited when the transaction posts. Subject to rewards terms which will be available at application.
+ 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
Earn rewards
back on dining✝ Up to $6,000 in annual spend and then 1% back on everything else
back on groceries
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

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 terms which will be available at application.
Instant rewards
Maximize rewards

Maximize your rewards

Over a 5 year period, you could have earned 25x more with bitcoin rewards than with cash back rewards.5+

5. Over 8/23/2016 - 8/23/2021 time period, assuming proportional rate of spend over time and that BTC is held throughout the duration+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

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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piggy
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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, transfer to Gemini Earn, or HODL (hold) your crypto rewards—you have full control over your rewards.

coffee

Make a purchase with your Gemini Credit Card anywhere Mastercard is accepted.

piggy

Crypto rewards are automatically deposited into your Gemini account.

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Trade, transfer to Gemini Earn, or HODL (hold) them—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 40+ 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 terms, which will be available at application.
No fees to use your card
Feature

No annual fee*

Feature

No foreign transaction fees*

Feature

No exchange fees to acquire your rewards6

6Fees 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

Instant access to a digital card after approval

Feature

Available to residents of all 50 U.S. states

Feature

24/7 Customer Support

Feature

Access to card features and details in the Gemini mobile app

Feature

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

Frequently asked questions

*The standard variable APR for purchases will be between 12.99% and 23.99%, 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 25.99%. This APR will vary with the market based on the Prime Rate. The variable penalty APR is 29.99% 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, which will be available at application. Subject to rewards terms, which will be available at application.