Crypto card catalog
Gemini Credit Card
Issuer: Gemini (US)
- Credit
- Physical · Mastercard
- KYC: Full + credit check
- Custodial
A real credit Mastercard from the regulated Gemini exchange with instant crypto rewards up to 4% and no annual or FX fees. The best option for the US. Caveat: US only, credit check required; the 4% rate is capped at $300/month, then drops to 1%.
Updated: July 2026 · Status: verified (web research)
74/100
Good
CRI rating
Key facts
- Card class
- Credit
- Type / network
- Physical · Mastercard
- Availability
- USA
- KYC
- Full + credit check
- Conversion method
- Crypto rewards are credited instantly
- Custody
- Custodial (Gemini wallet)
- Annual / FX fee
- 0 / 0
- Cashback
- Up to 4% (gas/EV/transit/rideshare, capped at $300/month, then 1%), 3% dining, 2% groceries, 1% everything else
- APR
- 16.49-34.49% (variable) if carrying a balance
- Cash advance
- $10 or 3%
- Supported assets
- Choice of reward coin (BTC, ETH, and 40+ others)
- Official site
- gemini.com/credit-card
Crypto card fees change often — verify against the issuer's official site before applying.
Pros & cons
Pros
- Instant crypto rewards, no staking or subscription required.
- No annual or FX fees.
- Choose and change your reward coin in the app.
Cons
- US only, requires credit history.
- The 4% rate is capped at $300/month; high APR if carrying a balance.
Gemini Credit Card review
Gemini Credit Card is a full credit Mastercard that credits crypto rewards at the moment of purchase. There's no annual fee and no foreign transaction fee; you earn up to 4% on transit categories (capped at $300/month), 3% on dining, 2% on groceries, and 1% on everything else. The reward coin can be changed at any time.
How to get Gemini Credit Card
01
Apply at gemini.com/credit-card (US, credit check required).
02
Choose your reward coin.
03
Get the card and spend — rewards go straight to your Gemini wallet.
Methodology
CRI score by category
| Category | Weight | Score (0-100) | Contribution |
|---|---|---|---|
| A. Cost and fees | 25% | 82 | 20.5 |
| B. Accessibility and onboarding | 20% | 52 | 10.4 |
| C. Functionality | 20% | 74 | 14.8 |
| D. Benefits | 15% | 78 | 11.7 |
| E. Trust and reliability | 15% | 86 | 12.9 |
| F. Transparency and support | 5% | 80 | 4.0 |
| CRI | 74/100 — "Good" |
CRI is an editorial score based on our open methodology (not financial advice). Details on the Methodology page.
FAQ
Frequently asked questions about Gemini Credit Card
Is this a credit or debit card?
A credit Mastercard.
Is there an annual fee?
No, and no FX fee either.
Similar cards
Alternatives with a comparable CRI score from our catalog.
Ready to get Gemini Credit Card?
Terms and fees change — check the current details on the official site before applying.
Sources
Disclaimer: not financial advice. Verify current terms on the official site.
Disclaimer: not financial advice. Verify current terms on the official site.