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.
| 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 |
Note: Category-based: 4% transit/gas (first $300/mo), 3% dining, 2% groceries, 1% everything else. Welcome bonus removed Jan 31, 2026. Reward-token editions available with same tier structure: XRP Edition (launched Aug 25, 2025), Solana Edition (launched Oct 20, 2025, with auto-staking of SOL rewards at ~6.77% APY), Zcash Edition (launched Jan 2026). Cardholders can switch reward token anytime among 50+ cryptos.
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%.
The Gemini Credit Card is available in US Only. Its availability status is "US".
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.