Gemini Credit Card
by Gemini Space Station
The Gemini Credit Card is a US-only metal Mastercard World Elite that functions as a true credit card requiring a credit check. It earns up to 4% back on Gas/EV/Transit, 3% on Dining, and 2% on Groceries, with rewards paid instantly in Bitcoin, ETH, or 50+ other assets. It features no annual fee, no foreign transaction fees and helps build your credit history.
Unique Features
- Real-time rewards (don't have to wait for monthly statement)
- Switch reward currency anytime
Pros
- Instant crypto rewards (payout upon swipe)
- No annual fee
- No foreign transaction fees
- Mastercard World Elite benefits
- Available in multiple metal designs (including XRP & Bitcoin editions)
Cons
- Rewards on 'Other' spend is only 1%
- Gas/EV/Transit 4% rate is capped at $300 spend/month, then 1%
- Requires credit check (Hard Pull)
- Custodial (Not your keys, until you withdraw)
Integrations & Tech
Available In (1)
Tier Comparison
Standard
1% CashbackFee Structure
Detailed Fee Structure
Fee Details
Standard credit card fees apply: Variable purchase APR (18.74% - 34.74%), Cash Advance Fee ($10 or 3%, whichever is greater), Late Payment Fee (up to $35). No annual fee and no foreign transaction fees. Rates & fees PDF dated September 25, 2026 (Prime Rate 7.00% as of that date).
Limits & Conditions
Credit limit is determined by creditworthiness at application. Cash advances are subject to high APR and fees immediately.
Crypto Capabilities
Security & Custody
Supported Assets
