Ledger
Gemini Credit Card
Gemini Credit CardGemini Credit Card
MastercardPlastic onlySince 2022Asks for everythingOperational
U.S.-only Mastercard World Elite credit card from Gemini exchange (issued by WebBank). Earn up to 4% crypto back on gas/EV/transit/rideshare ($300/mo cap), 3% dining, 2% groceries, 1% other — paid instantly in 50+ cryptocurrencies of your choice. No annual fee, no FX fees.
Total, per $100 spent: not published
The issuer does not publish enough of its charges for us to price this card. That is not the same as cheap.
Open gemini.comNot a paid link: we earn nothing either way.
Whether to take Gemini Credit Card
In its favour
- Up to 4% crypto back on gas, EV charging, transit, taxis & rideshare (capped $300/mo)
- 3% back on dining, 2% on groceries, 1% on everything else
- No annual fee
- No foreign transaction fees
Against it
- U.S. residents only — not available outside the United States
- Credit card (not debit) — credit check and approval required
- 4% top tier capped at $300 monthly spend, then drops to 1%
- Purchase APR 17.24%–29.24% (variable) — high interest if balance carried
Also true, in its favour
- World Elite Mastercard benefits (concierge, ID theft protection, travel perks)
- 50+ cryptocurrencies for rewards (BTC, ETH, SOL, XRP, etc.)
- Instant rewards deposited to Gemini account when transaction posts
- Apple Pay and Google Pay supported
- Issued by WebBank — regulated U.S. credit card
What Gemini Credit Card costs
| Charge | What it costs |
|---|---|
| To get the card | |
| To issue the card | $0.00 |
| Monthly | $0.00 |
| To spend it | |
| To spend outside the dollar | 0% |
| At a cash machine | Cash advance $10 or 3%, whichever is greater |
| Total, per $100 spent | Not published |
Not published by the issuer: to load, to spend, per payment, fixed.
Read off gemini.com on July 21, 2026.
No annual fee. No foreign transaction fees. Purchase APR 17.24%–29.24% variable; cash advance APR 30.24%; penalty APR 34.24%. Cash advance fee: $10 or 3%, whichever is greater. Rewards: 4% gas/EV/transit (cap $300/mo), 3% dining, 2% groceries, 1% other.
KYC: what Gemini Credit Card asks for
Full verification: a document, a photograph of your face and proof of your address. The same file a bank opens on you, held by a company that is not a bank.
Asks nothing7 cards
An email18 cards
A light check — a name and a phone, unverified9 cards
A document102 cards
Everything — document, face, address114 cards
Limits on spending
Gemini Credit Card publishes no spending limits at all.
Where it works
WalletsApple Pay and Google Pay
Accepted whereOnline and in person
Account detailsNone — it is a card, not an account
Coins in15BTC, ETH, SOL, XRP, DOGE, LTC, BCH, AVAX, DOT, LINK, MATIC, USDC, DAI, GUSD, PAXG
Chains8Bitcoin, Ethereum, Solana, XRP Ledger, Arbitrum, Optimism, Polygon, Avalanche
Closed to residents of 10 countries, according to the issuer's own terms.
- Belarus
- China
- Cuba
- Iran
- Myanmar
- North Korea
- Russia
- Sudan
- Syria
- Venezuela
The other flaws
- Cash advance fee $10 or 3%, whichever is greater
- Rewards subject to crypto market volatility
- Not a debit card — no spend-from-crypto-balance use case
How we checked this
Thirteen fields are tracked for every service. 8 of them carry a figure we read off gemini.com on July 21, 2026.
- Issuer's page
- Currency conversion · Issuance · Monthly · Cash machine charge · Apple Pay and Google Pay
- Sign-up flow
- Identity level
- Live check
- Operating status
- Terms
- Countries closed
- The issuer does not publish
- Cost per $100 · Loading charge · Per-payment charge · Spending limits · Maximum balance
Nothing here came from a press release, an affiliate sheet, or another comparison site.
Open gemini.comNot a paid link: we earn nothing either way.
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