Gemini Credit Card
Earn up to 4% crypto rewards on gas, 3% on dining, with no annual fee or staking required
5
+Pros
- Highest category cashback (4% gas/EV charging/transit, 3% dining, 2% groceries)
- No staking or token lockup required
- No annual fee
- No foreign transaction fees
- Flexible crypto rewards (choose from 50+ cryptocurrencies)
- Mastercard World Elite perks
- Strong US regulatory standing (NYDFS, MiCA compliant)
- Instant reward deposits
- Vault Rewards (10% back on select brands)
- Multiple card designs (Bitcoin, Solana, XRP editions)
−Cons
- 4% cashback limited to first $300/month in gas/EV/transit category (then drops to 1%)
- Credit card requiring credit check (not debit)
- Gemini Earn historical issues (lending program)
- Limited international availability (US-focused)
- Rewards require Gemini account
- WebBank-issued (not direct Gemini)
Features
Category-based cashback (4% gas/EV/transit up to $300/mo, 3% dining, 2% groceries, 1% everything else)Category-based cashback (4% gas/EV/transit up to $300/mo, 3% dining, 2% groceries, 1% everything else)
Mastercard World Elite statusMastercard World Elite status
Instant crypto reward depositsInstant crypto reward deposits
Change reward cryptocurrency anytime (50+ options)Change reward cryptocurrency anytime (50+ options)
Vault Rewards (10% back at select brands)Vault Rewards (10% back at select brands)
Budgeting app integrationBudgeting app integration
Multiple card designsMultiple card designs
No foreign transaction feesNo foreign transaction fees
No annual feeNo annual fee
Referral programReferral program
Fee Structure
Trading FeeGemini platform fees apply (no
Withdrawal FeeNone (credit card, not debit)
Deposit FeeNone
Signup Bonus
None currently advertised
Referral: $50 per referral + $250 bonus per 5 referrals, max 50/year No signup bonus. Referral program available: Earn $50 per qualified referral plus $250 bonus for every 5 referrals (maximum 50 referrals per year).
Expert Verdict
The Gemini Credit Card is a Mastercard World Elite credit card offering category-based crypto cashback rewards. Founded by the Winklevoss twins, Gemini provides premium rewards without staking requirements, making it ideal for US users seeking straightforward crypto earnings. First US-licensed Ethereum exchange with NY Trust Charter.