CASHBACK
Verified Benefit
NO ANNUAL FEE
Verified Benefit
NO FX FEE
Verified Benefit
Our Official Verdict
Category Crypto Rewards: 4% Gas, 3% Dining, 2% Groceries
The Gemini Credit Card is the strongest no-fee crypto credit card for US residents. With 4% on gas and transit and 3% on dining paid in your choice of crypto, it outperforms the Coinbase debit card on category spending. The zero FX fee makes it a solid travel companion. Carry no balance - the {{fees}} APR will erase any rewards earned.
Fees & Charges
Annual Fee
Free
FX Fee
0%
ATM Fee
TBD
Requirements
Supported Regions
US
Spendable Assets
BTC, ETH, SOL, XRP, DOGE, USDC
Gemini Credit Card Review
The Gemini Credit Card is a Mastercard World Elite credit card issued by WebBank that earns up to 4% in cryptocurrency rewards on everyday purchases, with a $0 annual fee and 0% foreign transaction fees.
A Real Credit Card That Pays in Crypto
The Gemini Credit Card is not a crypto debit card or prepaid card. It is a traditional Mastercard World Elite credit card with a real credit line, issued by an FDIC-member bank (WebBank). You swipe it like any other credit card, pay your bill in USD, and earn crypto rewards. No wallet funding required, no crypto-to-fiat conversion at point of sale, no spread fees.
This is the card for people who want to accumulate crypto passively through spending they are already doing, without changing how they pay for things.
Spending and Mechanics
The card works everywhere Mastercard is accepted globally. Despite being US-only for applications, the 0% foreign transaction fee makes it functional for international travel. Apple Pay and Google Pay are supported for contactless payments.
Rewards are deposited into your Gemini exchange account. You choose your preferred cryptocurrency in the app - over 50 options including BTC, ETH, SOL, XRP, DOGE, and major stablecoins.
Rewards Structure
| Category | Rate | Cap |
|---|---|---|
| Gas, EV charging, transit | 4% | $300/month spend |
| Dining | 3% | No cap |
| Groceries | 2% | No cap |
| Everything else | 1% | No cap |
The 4% gas/EV/transit category is capped at $300 per month in spending. At $300/month, that is $12/month or $144/year at the top rate. Beyond $300, those purchases earn 1%.
Vault Rewards offer up to 10% at partner merchants when activated through the Gemini app, though partner availability varies by location.
Fee Analysis: The Real Cost
| Fee | Amount |
|---|---|
| Annual fee | $0 |
| Foreign transaction fee | 0% |
| APR | 18.49% - 34.49% variable |
| Late payment fee | Up to $41 |
| Cash advance fee | 5% (min $10) |
| Cash advance APR | 29.49% |
The card has zero acquisition cost - no annual fee, no membership fee, no account minimum. The only cost is interest if you carry a balance.
Break-even math: With $0 annual fee, break-even is $0. Every dollar of rewards is profit from day one, assuming you pay the statement balance in full each month.
Warning: At the maximum 34.49% APR, carrying a $1,000 balance for one month costs $28.74 in interest - wiping out roughly $2,874 worth of spending at 1% rewards. Pay in full. Every month.
Spending Scenario: $2,500/month
| Category | Monthly Spend | Rate | Monthly Reward |
|---|---|---|---|
| Gas/Transit | $150 | 4% | $6.00 |
| Dining | $350 | 3% | $10.50 |
| Groceries | $400 | 2% | $8.00 |
| Other | $1,600 | 1% | $16.00 |
| Total | $2,500 | $40.50 |
Annual rewards: ~$486 in your chosen cryptocurrency. At this spending level, the effective blended rate is 1.62%.
Security and Fraud Protection
Mastercard World Elite includes zero fraud liability, extended warranty (up to 24 months), price protection, and purchase assurance. WebBank is an FDIC-member institution. Gemini itself holds SOC 2 Type 2 certification and is regulated by the NYDFS. Card management (freeze/unfreeze, spending alerts) is available through the Gemini app.
Verdict
The Gemini Credit Card is the best no-fee crypto credit card in the US market. It outperforms the Coinbase Card debit on dining (3% vs 1%) and groceries (2% vs 1%), builds credit history, and requires no crypto holdings to use. The 50+ asset choice gives maximum flexibility.
It is not for people who want to spend crypto directly (use Bybit or Crypto.com for that). It is not for people who want metal cards or lounge access (look at Crypto.com Obsidian or the Coinbase One Amex). But for passive crypto accumulation on everyday spending, it is the simplest and cheapest option available.
If you are a SOL believer, consider the Solana Edition for automatic staking yield on rewards.
Fees and Break-Even Math
$0 annual fee. Break-even: immediate. At $3,000/month blended spend, expect ~$588/year in crypto rewards (1.63% effective rate). Carrying any balance at 18.49-34.49% APR destroys all reward value.
Competitor Comparison
vs Coinbase Card: Gemini earns more on dining (3% vs 1%) and groceries (2% vs 1%). Coinbase requires USDC funding and is a debit card. Gemini is credit (builds credit history, no funding needed). Coinbase has broader region support (US/UK/EEA vs US only).
vs Coinbase One Amex: Coinbase One requires $29.99/month membership. Gemini is free. Both reach 4% on specific categories. Coinbase One adds travel insurance and metal card for the membership cost.
vs Traditional Cash Back Cards: Many 2% flat-rate cash back cards exist (Citi Double Cash, Wells Fargo Active Cash). Gemini's 1% base rate is lower, but the 4%/3%/2% categories can beat 2% flat-rate if your spending aligns. The difference: rewards paid in crypto with long-term appreciation potential vs USD cash.
Sources
Last verified: Feb 11, 2026 - Data sourced from official Gemini documentation.
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