Gemini Credit Card
Up to 4% crypto rewards on gas, 3% dining, 2% groceries (caps apply)
4.5
+Pros
- [Highest category cashback (4% gas/EV charging/transit at pay-at-pump, 3% dining, 2% groceries, 1% everything else)](https://www.gemini.com/credit-card)
- [4% gas category capped at $300/month in purchases](https://cryptonews.com/reviews/gemini-credit-card-review/) (not cashback amount), then drops to 1%
- 3% and 2% categories are unlimited (no caps)
- No staking or token lockup required
- No annual fee
- No foreign transaction fees
- [Flexible crypto rewards (choose from 50+ cryptocurrencies)](https://coincodex.com/article/71067/gemini-credit-card/)
- [Instant reward deposits to Gemini account](https://www.firstcard.app/learn/gemini-credit-card)
- Mastercard World Elite perks including travel protections, price protection, and extended warranty
- Strong US regulatory standing (NYDFS, MiCA compliant)
- Vault Rewards (10% back on select rotating brands)
- Multiple card designs (Bitcoin, Solana, XRP editions)
- [Referral program ($50 per qualified referral plus $250 bonus for every 5 referrals, up to $5,000 total rewards, max 50/year)](https://www.gemini.com/credit-card)
- SOC 2 Type 2 certified
- APR ranges 16.49%-34.49% variable based on creditworthiness
- Rewards deposited in real-time as transactions complete
- Change reward cryptocurrency anytime
- WebBank issuer with FDIC backing
−Cons
- [4% cashback limited to first $300/month in gas/EV/transit category purchases](https://cryptoslate.com/crypto-cards/gemini-card-review/) (drops to 1% after cap)
- [4% gas rewards apply ONLY to pay-at-pump purchases](https://sweepbase.net/cards/gemini-credit-card) — in-store or kiosk purchases NOT eligible for 4% rate
- Credit card requiring credit check and creditworthiness (not debit)
- Gemini Earn historical issues with lending program and Genesis bankruptcy in 2022-2023
- Limited international availability (US-focused, expanding to select markets)
- Rewards require Gemini exchange account
- WebBank-issued (not direct Gemini)
- Must actively manage reward cryptocurrency selection
- Late payment fee up to $8
- Returned payment fee up to $35
- [NO signup bonus since January 31, 2026](https://www.gemini.com/legal/credit-card-intro-promo-terms) (major value reduction)
- Variable APR can be high for carried balances (16.49%-34.49% purchase APR, 29.49% cash advance APR, 33.49% penalty APR)
- Cash advance fee 5% or $10 minimum
Features
[Category-based cashback (4% gas/EV/transit at pump up to $300/mo purchases, 3% dining unlimited, 2% groceries unlimited, 1% everything else)](https://www.gemini.com/credit-card)[Category-based cashback (4% gas/EV/transit at pump up to $300/mo purchases, 3% dining unlimited, 2% groceries unlimited, 1% everything else)](https://www.gemini.com/credit-card)
Mastercard World Elite status with comprehensive travel protectionsMastercard World Elite status with comprehensive travel protections
Instant crypto reward deposits to Gemini accountInstant crypto reward deposits to Gemini account
[Change reward cryptocurrency anytime (50+ options including Bitcoin, Ethereum, Solana, XRP)](https://support.gemini.com/hc/en-us/articles/4417496388507-Which-cryptocurrencies-can-I-choose-from-for-my-Gemini-Credit-Card-Rewards)[Change reward cryptocurrency anytime (50+ options including Bitcoin, Ethereum, Solana, XRP)](https://support.gemini.com/hc/en-us/articles/4417496388507-Which-cryptocurrencies-can-I-choose-from-for-my-Gemini-Credit-Card-Rewards)
Vault Rewards (10% back at select rotating brands)Vault Rewards (10% back at select rotating brands)
Budgeting app integrationBudgeting app integration
Multiple card designs (Bitcoin, Solana, XRP editions)Multiple card designs (Bitcoin, Solana, XRP editions)
No foreign transaction feesNo foreign transaction fees
No annual feeNo annual fee
Referral program with tiered bonuses ($50 per referral + $250 per 5 referrals, max $5,000 total)Referral program with tiered bonuses ($50 per referral + $250 per 5 referrals, max $5,000 total)
Cashback auto-converts to crypto of choiceCashback auto-converts to crypto of choice
Rewards deposited in real-time as transactions completeRewards deposited in real-time as transactions complete
Extended warranty and purchase protectionExtended warranty and purchase protection
Zero liability fraud protectionZero liability fraud protection
Price protectionPrice protection
Spend threshold tracking for 4% gas categorySpend threshold tracking for 4% gas category
Important caveat: gas rewards apply only to pay-at-pump transactionsImportant caveat: gas rewards apply only to pay-at-pump transactions
APR 16.49%-34.49% variable (purchase), 29.49% (cash advance), 33.49% (penalty)APR 16.49%-34.49% variable (purchase), 29.49% (cash advance), 33.49% (penalty)
Fee Structure
Trading FeeGemini platform fees apply whe
Withdrawal FeeNone (credit card, not debit); standard credit card cash adv
Deposit FeeNone; no annual fee; no foreign transaction fees; late payme
Signup Bonus
None (removed January 2026)
[The $200 welcome bonus was REMOVED effective January 31, 2026](https://www.gemini.com/legal/credit-card-intro-promo-terms) at 11:59:59 PM ET. Only applications approved on or before this date remain eligible for the bonus. New cardholders approved after this date receive no signup bonus. Previous terms: $200 in crypto for $3,000 spend in first 90 days. [Referral program still active](https://www.gemini.com/credit-card): $50 per qualified referral plus $250 bonus for every 5 referrals, max $5,000 in total crypto rewards through referrals (up to 50 referrals per year).
Expert Verdict
[The Gemini Credit Card is a Mastercard World Elite credit card](https://www.gemini.com/credit-card) offering category-based crypto cashback rewards with no annual fee and no foreign transaction fees. [Choose from 50+ cryptocurrencies for rewards](https://support.gemini.com/hc/en-us/articles/4417496388507-Which-cryptocurrencies-can-I-choose-from-for-my-Gemini-Credit-Card-Rewards) including BTC, ETH, SOL, XRP, and stablecoins. WebBank-issued, NYDFS-regulated via Gemini exchange.
