The Gemini Credit Card® | A Gemini Mastercard®

Get 4% back on gas at the pump and EV charging!

On up to $200 in spend per month.**

** Issued by WebBank. 4% back is available on up to $200 in spend per month for a year (then 1% on all other Gas at the pump and EV charging purchases that month). Spend cycle will refresh on the 1st of each calendar month. Var. APRs: Purch. 18.24% to 30.24%, C/A 31.24%, Penalty 35.24%. Cash adv. fee $10 or 3% whichever is greater. 3% back on dining, 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 and Rewards terms and conditions will apply.

credit-card-hero

Effortlessly earn rewards that can appreciate in value+

With the Gemini Credit Card, you can earn rewards in bitcoin, ethereum or 50+ other cryptos currently available on Gemini.

It’s the only credit card that deposits your crypto rewards immediately1. That means the crypto you earn lands in your Gemini account the instant you swipe, not a month later.  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.

Learn more about the fundamentals of Crypto on our Cryptopedia 101 page here

1. 
Some exclusions apply in which rewards are deposited when the transaction posts. Merchant Reward Offers deposited separately. 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
Picture of iphone showing a notification of cryptocurrency cash back reward
No annual fee
4% back on gas at the pump and EV charging**
3% back on dining
2% back on groceries
1% back on everything else
Plus, Merchant Reward Offers gets you rewards on top of rewards‡

Introducing Authorized Users

Maximize your crypto rewards by adding family, friends or a special someone.

  • img

    Add up to five family members or trusted individuals

  • img

    Track spending by user

  • img

    Build credit together§

  • img

    Receive more in rewards

  • img

    Add and manage users at any time from Card Settings

§ 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.

No annual fee

No annual fee*

Plus, no foreign transaction fees* and no exchange fees to acquire your crypto rewards.2

2. 
Fees may be incurred for selling or converting your crypto rewards.
Instant rewards the moment you swipe

Instant rewards the moment you swipe³

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.

3. 
Some exclusions apply in which rewards are deposited when the transaction posts. Merchant Reward Offers deposited separately. Subject to Rewards Program Terms.
Earn rewards

Rewards with the power to grow⁴

Earn crypto rewards on every purchase

4. 
Engaging with crypto involves risks, including the risk of losing all of the invested amount; seek expert advice. Past performance no guarantee of future results.
Show more plus icon
Icon of a lock representing security.

World-class security

Show less x icon
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.

Show more plus icon
Icon of a lock representing security.

Mastercard® benefits

Show less x icon
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

Picture of a cup of coffee
Picture of a piggy bank
Picture of a line graph

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.

Picture of a cup of coffee

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

Picture of a piggy bank

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

Picture of a line graph

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

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.

front side of rose gemini credit card
back side of rose gemini credit card
front side of black gemini credit card
back side of black gemini credit card
  • Black
  • Silver
  • Rose
Front
Back

Behind the Card3 4 ‡

Cardholders have earned over $3M in crypto rewards

3. Some exclusions apply in which rewards are deposited when the transaction posts. Merchant Reward Offers deposited separately. Subject to Rewards Program Terms.

4. Engaging with crypto involves risks, including the risk of losing all of the invested amount; seek expert advice. Past performance no guarantee of future results.

Card features

Rewards
Check mark icon

Up to 4% back on gas at the pump and EV charging**, 3% back on dining, 2% back on groceries, 1% back on all other purchases

Check mark icon

Rewards available in bitcoin, ether, or 50+ other cryptocurrencies

Check mark icon

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

Check mark icon

Receive rewards when the transaction occurs³

³ Some exclusions apply in which rewards are deposited when the transaction posts. Subject to Rewards Program Terms.
No fees to use your card
Check mark icon

No annual fee*

Check mark icon

No foreign transaction fees*

Check mark icon

No exchange fees to acquire your rewards5

5Fees may be incurred for selling or converting your crypto rewards.
Security
Check mark icon

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

Check mark icon

Mastercard Zero Liability Protection on Unauthorized Transactions

Check mark icon

Mastercard ID Theft Protection™

Check mark icon

Instantly lock your card anytime from the Gemini app

Check mark icon

Receive real-time alerts based on transaction size or type

Other Features and Benefits
Check mark icon

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

Check mark icon

Access to a digital card

Check mark icon

Available to residents of all 50 U.S. states

Check mark icon

24/7 Customer Support

Check mark icon

Access to card features and details in the Gemini mobile app

Check mark icon

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.

Spend with your Gemini Credit Card and we’ll take care of the rest

If you are a Gemini user, log in and navigate to the card tab to apply. For all others who wish to apply, see if you prequalify below:

Issued by WebBank. I agree to updates and offers pursuant to Gemini’s Privacy Policy. Var. APRs: Purch. 18.24% to 30.24%, C/A 31.24%, Penalty 35.24%. Cash adv. fee $10 or 3% whichever is greater. 3% back on dining, 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.

* The standard variable APR for purchases will be between 18.24% - 30.24%, 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 31.24%. This APR will vary with the market based on the Prime Rate. The variable penalty APR is 35.24% 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 Terms and Conditions. Subject to Rewards Program Terms.


‡ Merchant Reward Offers is a program for Gemini Credit Card users that offers crypto back on purchases with select merchants. These Merchant Reward Offers are separate from, and in addition to, the everyday Rewards cardholders already earn when making purchases. If you have a Gemini Credit Card, you’re enrolled in Merchant Reward Offers; however, you can opt out of Merchant Reward Offers at any time by calling 1-877-725-1116. Some Merchant Reward Offers are applied automatically by using your Gemini card while others require you to tap-to-activate before making a purchase. Every Merchant Reward Offer is subject to its respective terms set by the merchant, which can be accessed in the offer details. Once earned, most Merchant Reward Offers are applied to your account within 30 days – no further action needed. You can find current Merchant Reward Offers in the Merchant Reward Offers section of the Gemini app or online.