The Gemini Credit Card earns 1-4% cashback on a Mastercard credit card with no annual fee, available in US Only.
Gemini is an American cryptocurrency exchange and custodian founded in 2014 by Cameron and Tyler Winklevoss and headquartered in New York City. The company operates as a New York limited-purpose trust company under a charter granted by the New York Department of Financial Services in 2015.
The Gemini Credit Card is a crypto credit card offered by Gemini, available in US Only. It offers 1-4% cashback across 4 reward tiers, giving users the ability to earn higher rates as they increase their commitment. There is no annual fee to hold this card.
Best suited for spenders who want a true credit line rather than a pre-funded crypto debit card. It runs on the Mastercard network and requires full identity verification.
New to crypto cards? Read our complete buyer's guide to understand fees, rewards, and how to choose. Concerned about privacy? See our KYC vs non-KYC comparison. Compare more options in our best crypto cards in the US guide. See where it ranks among the best crypto credit cards.
| Tier | Rate | Requirement |
|---|---|---|
| All Other | 1% | All other purchases |
| Groceries | 2% | All grocery purchases |
| Dining | 3% | All dining purchases |
| Transit/Gas/EV | 4% | First $300/mo in category |
On $500/mo spend, the estimated monthly cost breakdown for Gemini Credit Card is: gas $0.00, conversion spread $0.00, flat/FX fees $0.00, and amortised card/tier fee $0.00, for a total drag of 0% of spend. After $5.00/mo cashback that nets a gain of about $5.00/mo ($60.00/yr). Gemini Credit Card tops up from a centralized balance, so there is no on-chain gas cost regardless of how often you reload. Figures are conservative estimates and vary with conditions.
Note: Category-based: 4% transit/gas (first $300/mo), 3% dining, 2% groceries, 1% everything else. Welcome bonus paused Jan 31, 2026 and still paused as of Aug 2026 per Gemini's intro promo terms, which carry no reinstatement notice. Reward-token editions share the same tier structure: Bitcoin, XRP Edition (launched Aug 25, 2025), Solana Edition (launched Oct 20, 2025), Zcash Edition (launched Jan 27, 2026). Cardholders can switch reward token anytime among 50+ cryptos. Cardholders who select Solana as their reward token can opt into auto-staking of those rewards, advertised at up to 6.12% APR on Gemini's Solana card page (the 6.77% figure cited at the Oct 2025 launch is no longer the advertised rate). Auto-staking is opt-in rather than automatic and is open to any cardholder earning SOL, not only Solana Edition holders; staking is unavailable in NY and Gemini states staking APRs are subject to change and rewards are not guaranteed.
Other crypto cards in the same region or category that may suit your spending profile:
The Gemini Credit Card is a crypto credit card offered by Gemini. It is available in US Only and allows users to spend cryptocurrency at merchants worldwide.
The Gemini Credit Card offers 1-4% cashback. There are 4 tiers: All Other (1%), Groceries (2%), Dining (3%), Transit/Gas/EV (4%).
The Gemini Credit Card has an annual fee of $0. Additional fees: FX fee: 0%.
Yes. The Gemini Credit Card requires full identity verification (KYC): expect to submit a government-issued ID, and often proof of address, before the card is issued.
The Gemini Credit Card is available in US Only.
The Gemini Credit Card is a true credit card, meaning you can make purchases on credit rather than needing to pre-fund the card with cryptocurrency.
Yes, the Gemini Credit Card supports Apple Pay and Google Pay and Samsung Pay for contactless payments.
Want to see your annual earnings? Use the ROI Calculator to estimate net cashback at your spending level, or compare cards side by side.