Gemini Credit Card
by Gemini · Mastercard · Credit card · Issuer terms last read Sep 28, 2026
The cheapest card here to hold: no annual fee, no foreign transaction fee, no balance requirement and no exchange fee on the crypto you are paid in. The rates are category-based rather than flat, so what you actually earn depends on where you spend — 4% only covers fuel, EV charging, transit and rideshare and stops at $300 of spending a month. Everything else is 1%, which is where most spending lands.
What works
- No annual fee and no foreign transaction fee
- Rewards are instant and can be taken in bitcoin or 50+ other assets
- No balance, stake or membership requirement
- Rates are fixed by category rather than by how much you hold
What does not
- 1% on everything outside the named categories
- The 4% category is capped at $300 of spending a month, then 1%
- Rewards depend on the merchant's category code, which the merchant sets
- United States only
Who it suits
US spenders who want crypto rewards without paying a subscription or parking a balance anywhere.
Terms in full
Quoted from the issuer's own pages. Rows the issuer does not publish are marked as such rather than guessed.
- Network
- Mastercard World Elite
- Card type
- Credit card, issued by WebBank
- Reward
- 4% on gas, EV charging, transit, taxis and rideshare (first $300 a month, then 1%); 3% on dining; 2% on groceries; 1% on everything else
- Reward asset
- Bitcoin or any of 50+ assets available on Gemini, credited instantly
- Requirement
- None
- Annual fee
- None
- Foreign exchange
- No foreign transaction fee
- Availability
- United States
- Custody
- Custodial — rewards are held in your Gemini account
If this one does not fit
Questions about this card
4% back on gas, EV charging, transit, taxis and rideshare on the first $300 of spending each calendar month and 1% thereafter in that category, 3% on dining, 2% on groceries and 1% on everything else.
Bitcoin by default, and Gemini lets you switch to any of 50+ assets it lists, as often as you like. Rewards are deposited when the transaction posts.
No. Gemini states there is no annual fee, no foreign transaction fee and no exchange fee to acquire the crypto rewards.