Gemini Credit Card review
Last reviewed 2026-08-25
Gemini Credit Card pays category-based crypto rewards rather than a flat cashback percentage, and its top rate is capped tightly enough that most spending actually lands at a much lower rate.
The card earns 4% back on gas, EV charging, transit, taxis, and rideshare, but only on the first $300 of combined spend in those categories each calendar month; spend beyond that reverts to just 1% for the rest of that month. Dining earns an uncapped 3%, groceries an uncapped 2% (excluding specific merchant types such as Costco, Sam's Club, Walmart, candy stores, and bakeries), and everything else earns a flat 1%. Rewards are chosen from a menu of more than 50 cryptocurrencies, including Bitcoin, Ethereum, Solana, and XRP, and are credited instantly to a Gemini account with no separate exchange fee to acquire them; the card is also sold under three co-branded editions (Bitcoin, Solana, and XRP) that share identical rewards and fees but default the reward payout to a specific asset, with the Solana edition auto-staking rewards for additional yield.
There is no annual fee and no foreign transaction fee, both confirmed directly on Gemini's own card page. The variable purchase APR ranges from roughly 16.49% to 34.49% depending on creditworthiness, with a separate cash advance APR around 29.49% and a cash advance fee of the greater of $10 or 3% of the amount, plus late and returned payment fees of up to $35 or $41 depending on the source cited.
The card is available only to US residents, covering all 50 states and Puerto Rico, with no international availability described anywhere on Gemini's own materials.
- Issuer
- Gemini (issued by WebBank)
- Rewards
- 4% back on gas, EV charging, transit, taxis, and rideshare (capped at $300/month combined spend, then 1%), 3% on dining, 2% on groceries, and 1% on everything else, paid in a choice of 50+ cryptocurrencies.
- Fees
- $0 annual fee and $0 foreign transaction fee, confirmed on Gemini's own page; variable purchase APR of roughly 16.49% to 34.49%, a cash advance fee of the greater of $10 or 3%, and late/returned payment fees up to $35-$41.
- Available in
- All 50 US states, Puerto Rico
Reward tiers
Rewards are chosen from a menu of over 50 cryptocurrencies and credited instantly with no exchange fee. The card is also sold as Bitcoin, Solana, and XRP branded editions sharing identical rewards and fees, with the Solana edition additionally auto-staking earned SOL for yield.
| Tier | Rewards | Requirements |
|---|---|---|
| Gas, EV charging, transit, taxis, rideshare | 4% back, capped at $300/month combined spend, then 1% for the rest of that month | No minimum spend or account balance; category resets on the 1st of each calendar month |
| Dining | 3% back, uncapped | No minimum spend or account balance |
| Groceries | 2% back, uncapped | Excludes Costco, Sam's Club, Walmart, candy stores, and bakeries per merchant category code |
| All other purchases | 1% back | Default rate for any spend outside the categories above |
Where you can get the Gemini Credit Card
United States only, all fifty states plus Puerto Rico, issued by WebBank. Gemini describes no international version anywhere in its card materials, and the four co-branded editions (standard, Bitcoin, Solana, XRP) share one set of rewards and one country scope.
Puerto Rico
United StatesPros and cons
What works
- No annual fee and no foreign transaction fee, confirmed directly by the issuer
- Rewards can be chosen from over 50 cryptocurrencies and are credited instantly with no exchange fee
- Dining (3%) and groceries (2%) rewards are uncapped, unlike the 4% category
- Four co-branded editions (Standard, Bitcoin, Solana, XRP) let cardholders default rewards to a preferred asset, with Solana auto-staking for extra yield
What to watch
- The headline 4% category caps at just $300 of combined monthly spend, dropping to 1% immediately after
- Available only to US residents in the 50 states plus Puerto Rico, with no international rollout
- Variable purchase APR can run as high as roughly 34.49% for lower-credit applicants
- Grocery rewards exclude several major retailers (Costco, Sam's Club, Walmart) based on merchant category code
Frequently asked questions
How much can I earn on gas with the Gemini Credit Card?
You earn 4% back in crypto on gas, EV charging, transit, taxis, and rideshare, but only on the first $300 of combined spend in those categories each calendar month; spend beyond that reverts to 1% for the remainder of the month.
Does the Gemini Credit Card charge foreign transaction fees?
No, Gemini's own card page confirms there is no foreign transaction fee and no annual fee on the card.
Can I choose which cryptocurrency I get as Gemini Credit Card rewards?
Yes, rewards can be selected from a menu of more than 50 cryptocurrencies, including Bitcoin, Ethereum, Solana, and XRP, and switched at any time; the card is also sold in Bitcoin, Solana, and XRP branded editions that default the payout to that asset.
Is the Gemini Credit Card available outside the United States?
No, it is available only to US residents in all 50 states plus Puerto Rico, according to Gemini's own materials and independent card reviewers; there is no international version.