Cash advance fees sting
The cash advance fee is $10 or 3% plus interest from day one. Standard for credit cards but worth knowing before you treat it like a debit card
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Gemini Credit Card reviews
A credit Mastercard from Gemini that pays crypto rewards in real time.
17reviews
+0reviews this month
0complaints this month
41%customers recommend
Experience ratings
User ratings
Average scores across key criteria.
Convenience4.5/10
Support4.7/10
Fees4.9/10
Functionality4.5/10
Reliability4.5/10
Safety4.8/10
Gemini Credit Card reviews
User experiences verified by a moderator.
$200 bonus was easy
Hit the spend requirement in the first few months and got the $200 bonus in crypto. No annual fee, no FX fee, decent rewards. Good starter crypto card
US only, everyone else locked out
This is the big one, it’s US only with a Social Security Number required. As a non US person I can’t even apply. Frustrating that the good one is region locked
Must have a Gemini account
Rewards deposit into a Gemini exchange account so you’re forced into their ecosystem whether you like it or not. Wanted just the card, got roped in
Real credit card with crypto rewards
Finally a card that reports to the bureaus AND gives me crypto back. No coin sold at checkout, rewards just show up in my Gemini account. Been building credit while stacking BTC
Hard inquiry for approval
This is a real credit card so applying dings your credit with a hard pull, and you need good credit to get approved. Not the easy signup some expect
Approval needs 670+ credit
They don’t publish a minimum but everyone I know needed good to excellent credit. Got denied with a fair score. Not accessible to everyone
50+ coins to choose from
You can pick which crypto to earn rewards in from a huge list. I rotate between BTC and ETH. Flexible in a way no other rewards card is. Solid
No crypto to spend, only earn
This isn’t a spend-your-crypto card, it’s a normal credit card that pays you in crypto. If you wanted to actually spend your holdings this isn’t it
Not available outside all 50 states edge cases
Even within the US there are hoops, and if you move or have thin credit history approval is a maybe. Wish it were more straightforward
Rewards are a taxable headache
The crypto you earn counts as income when received AND triggers capital gains when you sell. Twice taxed. Turned my rewards into a tax season nightmare
Instant rewards no annual fee
Love that the crypto rewards hit instantly after each purchase and there’s no annual fee. Picked BTC as my reward and it’s been growing. Simple and effective
APR is brutal if you carry a balance
The purchase APR runs up to 28% variable and the penalty APR is 33%. If you don’t pay in full the interest wipes out any crypto reward instantly. Pay in full or don’t bother
XRP edition for the army
Got the XRP edition and earn XRP on gas and rideshare. No FX fee is great for travel too. If you already like XRP it’s a no brainer
Rewards volatility bites
Earned rewards in a coin that then dropped and watched the value shrink before I could do anything. Unless you pick a stablecoin your cashback is a gamble
XRP edition is just a palette swap
The ‘XRP edition’ has zero new features over the standard card, same rewards same fees, just an XRP logo. Pure marketing. Don’t expect anything extra
Rewards categories are limited
The top rates only apply to specific categories like gas and dining, everything else is 1%. The 4% headline is narrow. Read the categories
About the product
Gemini Credit Card overview
Gemini Credit Card is issued jointly by the Gemini exchange, Mastercard and WebBank. Its calling card is real-time crypto rewards that land in your Gemini account automatically.
Key terms
- Card type: Credit Mastercard
- Supported currencies: BTC; 50+ crypto assets; settled in USD
- Where it works: United States
- Fees: APR 17–30% depending on credit history; no annual fee; late payment fees may apply
- Cashback: 3% on dining, 2% on groceries, 1% on everything else; in crypto
Key features
There is no annual fee, which keeps the card competitive among US crypto credit cards. Once issued it works in mobile wallets, and holders get Mastercard premium benefits, including partner offers from the likes of DoorDash, HelloFresh and Lyft plus identity theft protection.
How to get the card
- Create an account on Gemini and verify your identity.
- Apply for the card — the issuer will run a credit check.
- Once approved, add the card to your mobile wallet and start paying.
Frequently asked questions
It is a credit Mastercard linked to your balance in the service. At checkout the crypto is converted into fiat and the transaction is routed through the Mastercard network, so the card works anywhere that payment system is accepted.
The stated coverage is United States. The exact country list and local restrictions are set by the issuer, so check the terms for your country of residence before applying.
Yes, in most cases you need to register and pass KYC with an ID document. Some issuers also ask you to confirm a residential address in a supported region.
The baseline terms are: APR 17–30% depending on credit history; no annual fee; late payment fees may apply. On top of that, factor in the conversion rate, ATM fees and any charges from the payment partner — the issuer always publishes the current pricing.
In most cases yes: the card can be added to a mobile wallet for contactless payments. Availability depends on your country and the payment partner's rules.