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credit Card•
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, 3% on Dining, and 2% on Groceries, with rewards paid instantly in Bitcoin, ETH, or 60+ other assets. It features no annual fee, no foreign transaction fees and helps build your credit history.
$200 Bonus
$200 after spending $3k within 90 days
GEMINI CREDIT CARD
Gemini Space Station
Cashback
Up to 10%
Annual Fee
Free
FX Fee
None
Staking
None
10%
Max Cashback
Paid in BTC, ETH, XRP, SOL, DOGE, Pepe, 60+ other supported cryptos
$0
Annual Fee
1
Premium Perks
Available Regions
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 4% rate is capped (approx. $200-$300 spend/mo)
- Requires credit check (Hard Pull)
- Custodial (Not your keys, until you withdraw)
Integrations & Tech
iOS App
Android App
Debit Mode
IBAN Support
Credit Mode
AvailableExcludedUnknown
Available In (1)
United States
Virtual Card
Available
Instant digital issuance.
Physical Card
Available
MaterialMetal
IssuanceFree
ShippingFree
ReplacementFree
Tier Comparison
Standard
1% CashbackStake Required
Free
Issuance Fee
Free
Replacement Fee
Free
FX Fee
None
ATM Fee
Cash Advance fees apply
Tier Perks
•Mastercard World Elite Benefits(Includes ShopRunner membership, Lyft credits, DoorDash DashPass trial, Peacock Premium credits, and Zero Liability protection.)
•Instant Rewards(Crypto rewards are deposited immediately when the transaction is authorized (unlike most cards which wait for statement close).)
Fee Structure
Annual FeeFree
Monthly FeeNone
FX FeeNone
Issuance FeeFree
Shipping FeeFree
Replacement FeeFree
Inactivity FeeNone
Crypto ConversionFree
Credit CheckNot Required
Top-Up FeeFree
Detailed Fee Structure
FX Fee0%
Fee Details
Standard credit card fees apply: Variable APR (17.24% - 29.24%), Cash Advance Fee ($10 or 3%), Late Payment Fee (up to $41). No annual fee and no foreign transaction fees.
Limits & Conditions
Credit limit is determined by creditworthiness at application. Cash advances are subject to high APR and fees immediately.
Crypto Capabilities
Security & Custody
Custody ModelCustodial
Wallet TypeExchange Account
InfrastructureGemini Exchange
Supported Assets
Chains
Ethereum
Bitcoin
Solana
XRP Ledger
Various
Tokens
Yield on Collateral
On-chain History
Governance Rights
Credit Scoring
Lifestyle Benefits
Merchant OffersGet up to 10% back at select merchants listed in the Gemini app.
Rewards Program DetailsStandard Tiers: 4% on Gas/EV (up to $200/mo spend cap*), 3% Dining, 2% Groceries, 1% All Other. *Note: Some sources cite a $200 cap on gas rewards, while others cite a $300 spend cap; standard terms usually cap the 4% rate at $200-$300 monthly spend. Partnership Perks: Up to 10% back at select merchants via Gemini App offers.
Signup Bonus
$200$200 after spending $3k within 90 days
Payout Frequency
Instant (upon authorization) for most merchants; upon settlement for others (e.g., gas pumps, hotels).
Exclusions
Cash advances, gift cards, prepaid cards, lottery tickets, and other cash equivalents.
