Custodial Mastercard credit card earning crypto rewards in a Gemini exchange account.
The Gemini Mastercard is a credit card issued by WebBank that earns cryptocurrency rewards on purchases. Rewards are automatically deposited into the user's custodial Gemini exchange account. It functions as a standard credit card and does not allow for spending cryptocurrency.
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US residents earning up to 4% back on gas and transit.
You want to spend crypto or live outside the United States.
The Gemini Credit Card is a Mastercard issued by WebBank that allows users to earn cryptocurrency rewards on everyday spending. Rewards are instantly deposited into a user's Gemini exchange account, with a choice of over 50 cryptocurrencies. The card features a sleek metal design, no annual or foreign transaction fees, and is available to residents of all 50 U.S. states and Puerto Rico. It offers tiered rewards, with up to 4% back in select categories. A virtual card is available immediately upon approval.
Annual Fee: $0 Foreign Transaction Fee: $0 Late Payment Fee: Up to $8 Returned Payment Fee: Up to $35 Cash Advance Fee: Either $10 or 3% of the amount, whichever is greater Purchase APR: 18.99%–34.99% variable Cash Advance APR: 29.99% variable Penalty APR: 33.99% variable Crypto Rewards Fee: $0 (Standard Gemini exchange fees apply for selling/converting)
Card Network: Mastercard Card Type: Credit Card Material: Metal (Bitcoin orange, black, silver, or rose gold) Security: No visible card number on physical card, Mastercard Zero Liability Protection, ID Theft Protection, instant card lock via app. Mobile Wallets: Apple Pay, Google Pay, Samsung Pay. Virtual Card: Available immediately upon approval. Editions: Classic, XRP Edition, Solana Edition, and a Business Card option are available.
Standard Rewards: - 4% back on Gas, EV Charging, Transit & Rideshares (on up to $300 monthly spend, then 1%) - 3% back on Dining - 2% back on Groceries - 1% back on all other purchases Welcome Bonus: $200 in crypto after spending $3,000 in the first 90 days (for new cardholders approved after Nov 18, 2024). Reward Delivery: Rewards are instantly deposited into the user's Gemini exchange account. Users can choose from 50+ cryptocurrencies and change their selection at any time. Special Features: The Solana Edition offers an automatic staking option for SOL rewards. A 'Merchant Rewards Offers' program provides additional crypto back at partner merchants.
Available in 2 regions (United States - all 50 states, and Puerto Rico). Restricted in 199 countries.
Risk note. If Gemini ceases operations, users may lose access to assets held on the exchange.
This is a credit card, not a crypto-backed loan product
Mixed - excellent app store ratings but poor Trustpilot score
Passive crypto investors who want to accumulate digital assets without active trading, regular credit card users who spend frequently on gas, dining, groceries, and transit, existing Gemini exchange users seeking seamless integration, and crypto-curious individuals who want low-risk exposure to digital assets.
The Gemini Credit Card offers a distinctive approach to cryptocurrency rewards that stands out in the growing crypto card market. Unlike cards that focus on spending crypto, the Gemini Credit Card creates a passive investment channel through everyday purchases. The card successfully bridges traditional credit card functionality with cryptocurrency rewards, making it an excellent entry point for those interested in passively accumulating digital assets.
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