Gemini Credit Card
by Gemini
- Monthly fee
- Free
- Card fee
- Free
- Top-up fee
- Not listed
- ID check
- Full KYC
- Card
- Physical
- Phone pay
- No
Our verdict
Gemini Credit Card is arguably the strongest crypto rewards credit card in the US. With up to 4% back in supported crypto and no annual or foreign transaction fees, it works well for daily spending while building a portfolio.
What we like
- +Up to 4% crypto rewards on gas and EV charging
- +No annual fee and no foreign transaction fees
- +Rewards in 60+ cryptocurrencies
- +$200 welcome bonus offered
- +Strong compliance from a New York trust company
Watch out for
- −US residents only
- −Needs a credit check and approval
- −4% category capped at $300 of monthly spending
- −Variable APR of 17-29% on carried balances
- −No debit option
6.8/10
Editor score
Fair
5.8/10
User rating
Based on 31 sources
Lv 4
KYC Level
Full KYC
Regional
Availability
0 countries
Card Overview
Rewards
- Cashback
- 1%
- Cashback Crypto
- BTC
- Staking Rewards
- —
- Staking APR
- —
- Welcome Bonus
- $200
- Referral Bonus
- $50
Fees
- Monthly Fee
- Free
- Card Issuance
- Free
- ATM Fee
- —
- FX Fee
- Free
- Top-up Fee
- —
- Decline Fee
- —
Limits
- Daily Spend
- Unlimited
- Monthly Spend
- Unlimited
- ATM Withdrawal
- Unlimited
Card Info
- Card Type
- Physical Card
- Card Network
- Mastercard
- Apple Pay
- —
- Google Pay
- —
KYC Requirements
Level: Full KYC
- ✓Email verificationRequired
- ✓Phone verificationRequired
- ✓Identity documentRequired
- ✓Proof of addressRequired
- ✓Selfie verificationRequired
Community Sentiment
Community Score
5.8/10
Sourced from
Users value the card as an effortless way to buy Bitcoin, Ethereum, Solana and 50+ other cryptos with every purchase, with strong category rates (4% gas and transit, 3% dining, 2% groceries), no annual or foreign fees and a numberless metal design. Power users are harsh on support, which means email queues of weeks or months, no live phone line and a gap between WebBank and Gemini that leaves customers stranded. They also cite very low WebBank credit limits even with 800+ FICO scores, 7-business-day ACH clearing holds, and app problems including launch freezes and a disappearing-card glitch that disrupts online shopping. The custodial setup keeps rewards on the exchange, so self-custody fans pay gas and withdrawal fees, and tracking capital gains on many tiny rewards is a recurring chore. It is a strong idea with fragile execution, best for committed holders who pay in full each month.
Category Breakdown
Features
Supported Cryptocurrencies
Networks: Ethereum, Solana, Polygon, Bitcoin
Frequently asked questions
Does the Gemini Credit Card require KYC?
Yes. Gemini asks for full kyc before issuing the card. Full verification: ID document, proof of address and a selfie or liveness check.
What fees does the Gemini Credit Card charge?
The card has a monthly fee of free, an issuance fee of free, an FX fee of free. See the fee table above for ATM and decline fees.
Does the Gemini Credit Card work with Apple Pay and Google Pay?
Apple Pay is not supported and Google Pay is not supported, according to the issuer.
Which countries can get the Gemini Credit Card?
Availability is limited to specific regions; check the issuer's site for your country.
Which cryptocurrencies does the Gemini Credit Card support?
BTC, ETH, SOL, DOGE, XRP, ADA, DOT, MATIC, AVAX, LINK, UNI, AAVE, LTC, ATOM.
Last updated August 19, 2026, verified August 6, 2026.