Gemini Credit Card

A custodial Mastercard that pays cashback in BTC by default, or another eligible asset you pick on Gemini (50+, including USDC and GUSD). No yearly fee.

Terms checked 27 Sep 2026
Mastercard
Credit
Custodial
Apple Pay and Google Pay
No FX fee abroad
Cashback in stablecoins
Free plan
Subscription deals
Metal card

I spenda month in

$20.00 a month

1.0% effective, advertised up to 1.0%, on the Standard plan

$20.00 cashback$0.00 card fees$0.00 FX and other fees

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Pick a plan

Highest at this spend
Standard
Free, 1% on everything
$20.00 a month, 1.0%

What you keep as spend grows

Hover the line to see other amounts.

Effective rate after fees in the US, on the plan that pays most at each spend. Where the line turns down, a monthly cap has been reached.

Show as a table

Monthly spend	What you keep	Plan
$250	1%	Standard
$500	1%	Standard
$750	1%	Standard
$1,000	1%	Standard
$1,500	1%	Standard
$2,000	1%	Standard
$2,500	1%	Standard
$3,000	1%	Standard
$4,000	1%	Standard
$5,000	1%	Standard
$6,000	1%	Standard
$7,500	1%	Standard
$10,000	1%	Standard

Every fee

Yearly fee: None
FX fee: 0%: the WebBank cardholder agreement lists the Foreign Transaction fee as None. Mastercard converts foreign-currency purchases into US dollars at its own rate
Conversion fee: $0 on purchases. Purchase APR 16.74% to 34.74% variable (as of 25 Sep 2026) on any balance not paid in full by the due date. Late payment fee up to $25 (first) or $35
ATM withdrawals: Cash advances cost $10 or 3%, whichever is greater, with interest from the transaction date (29.74% variable APR as of 25 Sep 2026). Cash advances earn no rewards
Card issue: $0: metal card included, with one free replacement every 12 months, then $50 per extra replacement
Monthly fee: $0 (Annual Fee: None, per the WebBank cardholder agreement)

Our own test

We're buying things with crypto cards in AUD, USD, EUR and GBP from October and comparing what each card takes with the mid-market rate. What this card actually charges will show here and in our Q4 report.

Where these numbers come from

Gemini Credit Card's published terms, checked 27 September 2026. Where sources disagree we use the less generous reading.

Our research notes

Pass 2, 27 Sep 2026: the maths inputs were verified against binding documents opened and saved on that date. FEES AND FX: the WebBank cardholder agreement dated 25 Sep 2026 lists Annual Fee None and Foreign Transaction None, the same as the 1 Apr 2026 version. Foreign-currency purchases are converted to US dollars by Mastercard at its own rate. RATE: the Crypto Rewards Program Terms (4 Mar 2026) set out how rewards are paid and link to the rewards tiers help article for the rates, which gives 1% on all other qualifying purchases, 4% on gas at the pump, EV charging, transit, taxis and rideshare up to $300 a month, 3% dining and 2% groceries. The official card page and three reviews agree, and archived copies of the card page from 30 Sep 2025 and 3 Jul 2026 show the same rates and $300 cap. MODELLED: one no-fee plan at the 1% general rate with no spend cap and no reward cap. No overall rewards cap is published, but the programme terms let Gemini set or change caps and rates at any time and say no rate is guaranteed. Category rates, the up to 10% Vault Rewards merchant offers and the paused intro bonus are not in the tiers. REGIONS: US only; the cardholder agreement added a US residency requirement on 25 Sep 2026. REWARDS: paid in the asset you pick (bitcoin by default), converted at Gemini's market price; the terms state no spread or fee on that conversion. Returns and disputes are recovered from future rewards or charged back to the card. Solana, XRP and Bitcoin editions share the same benefits per Gemini's card page. NOT VERIFIED: the Mastercard benefit tier (the card page says World Elite; the 2021 benefits guide was not read) and state-by-state availability beyond the help centre's statement that residents of all 50 states can apply.

What's good and what to watch

Good

No annual fee and no foreign transaction fee, both stated in the WebBank cardholder agreement
Rewards are usually credited in crypto at the moment of purchase, in BTC or another asset you choose
4% on gas, EV charging, transit, taxis and rideshare (first $300 a month), 3% on dining and 2% on groceries
Metal card plus a digital card for Apple Pay and Google Pay

Watch

General spend outside the bonus categories earns 1%
The 4% category rate only covers the first $300 of that spend each month
US residents only, with a hard credit check
A credit line: carrying a balance costs 16.74% to 34.74% APR, far more than the rewards
Rewards land in your custodial Gemini account and their value moves with the crypto price. Returned purchases claw back rewards

At a glance

Network: Mastercard
Custody: custodial
Card type: credit
Form: Physical & virtual
Mobile wallets: ✓ Apple Pay✓ Google Pay
Availability: United States (all 50 states)
KYC: Approved Gemini Exchange account plus WebBank credit underwriting (soft check to pre-qualify, hard credit check on the full application)
Funding: Credit line (monthly statement)

Perks and benefits

Offers & credits
Category rates on top of the 1% base: 4% on gas at the pump, EV charging, transit, taxis and rideshare (first $300 a month), 3% dining, 2% groceries. Up to 10% back at selected partner merchants through Vault Rewards, with monthly limits per offer. Not included in the modelled rate

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General information only. These figures are calculated from the spend you enter and the card terms we've collected. We haven't considered your objectives, financial situation or needs, and this isn't a recommendation. Consider whether a card suits you and read the provider's terms before applying. Figures are estimates; terms change; crypto is volatile.

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