Gemini Credit Card

Gemini · Mastercard · credit · Hybrid custody · metal

1 countryVerified 5 Sep 2026

At $1,000/month spend with no stake, Gemini Credit Card nets +$120 a year. According to Cardefi data, 4 of 8 key figures are verified from the issuer's pages, latest 5 Sep 2026.

Open at Geminidirect — pays us nothing

Cashback at your stake: 1.0%
Min. stake for rewards: None
Annual fee: $0
FX fee: 0.0%
Net value / yr: +$120
Break-even: $0

Recalculate for a stake ofSpendchanges every number on this page

Cashback and net value by stake

Stake	Tier	Cashback	Net value / yr
$0 you Standard	Standard	1.0%	+$120

How this card scores

Same arithmetic as every card in the catalogue, with this card's numbers in:

Cashback at your stake	1.0% × $12,000	+$120
Yearly fees	annual $0 + 12 × $0	−$0
FX on 25.0% of spend	0.0% × $3,000	−$0
Locked stake, 5.0% opportunity cost	$0 × 5.0%	−$0
Net value per year		+$120

Fees in full

Every figure below carries the issuer's own words. Tap a source count to read them. A dash means we looked and the issuer does not say. How these fees compare across every card. What this issuer charges to buy crypto with a card.

Annual fee	$0 / year 1 source “No annual fee”[4] · landing · captured 5 Sep 2026
Monthly fee	n/aCredit card with no annual fee; no monthly card charges
Card issuance	— not disclosedNot on the landing; in Rates & Fees (not captured)
Foreign transaction (FX)	0.0% 1 source “No foreign transaction fees”[4] · landing · captured 5 Sep 2026
Crypto conversion / spread	n/aUSD spend on a credit line; conversion applies only to how rewards are credited
ATM withdrawal	0.03Cash advance — the greater of $10 or 3% of the amount; the fixed part is in atm_fixed. Cash advances also carry a separate 29.49% APR charged from the transaction date. 1 source “Either $10 or 3% of the amount of each cash advance, whichever is”[6] · legal · captured 6 Sep 2026
ATM fixed fee	$10 / tx 1 source “Either $10 or 3% of the amount of each cash advance, whichever is”[6] · legal · captured 6 Sep 2026

Reward tiers, as the issuer states them

Tier	Requirement · rate · cap
Standard	1.0% · None · Cap: none · Paid in BTC, Eligible digital assets of choice 1 source “4% back on qualifying purchases is available on up to $300 in spend/month (then 1% on all other qualifying purchases that month).”[4] · landing · captured 5 Sep 2026

Limits

Spend per month

n/aCredit limit set individually by WebBank

What we could not find

These figures matter for the score, and the issuer's public pages do not state them. Where we looked is listed under Sources.

Card issuance. Not on the landing; in Rates & Fees (not captured)

Sources

6 pages captured and stored with a checksum. Quotes above are matched against these snapshots by script.

support.gemini.com/hc/en-us/articles/9767473757723-What-are-the-limits-and-fees-of-using-a-debit-card-on-the-Gemini-exchange · help_center · 6 Sep 2026
support.gemini.com/hc/en-us/articles/9767499306523-What-cards-can-I-use-on-Gemini · help_center · 6 Sep 2026
www.gemini.com/legal/credit-card-rewards-agreement · legal · 5 Sep 2026
www.gemini.com/credit-card · landing · 5 Sep 2026
api.fdic.gov/banks/institutions?filters=NAME%3A%22WebBank%22&fields=NAME%2CCERT%2CCITY%2CSTNAME%2CACTIVE%2CWEBADDR%2CCHARTER&format=json · legal · 6 Sep 2026
assets.ctfassets.net/jg6lo9a2ukvr/4WAbBKi2wX3zG6HFyNP54A/4087b3be698807411388aa7685cd8c89/2026-04-01_Gemini_Credit_Card_Cardholder_Agreement.pdf · legal · 6 Sep 2026

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Access & funding

Regions: 1 country
KYC: full
Top-up: Statement payment
Fiat: USD
Assets: USD credit line
Form: virtual + physical
Wallets: —

Risks to know

Who is behind the card

Brand / programme: Gemini (Gemini Trust Company / Gemini Constellation)
Infrastructure: — not disclosed
Issuer of record: WebBank (US)
Licence: FDIC · 34404
Network: Mastercard
Custody: Hybrid custody · none
Credit: APR 16.5%

3 sources

“The Gemini Credit Card is issued by WebBank.”[4] · landing · captured 5 Sep 2026

“Mastercard® World Elite”[4] · landing · captured 5 Sep 2026

“"NAME":"WebBank"”[5] · legal · captured 6 Sep 2026

Status

Now: Live
6 Apr 2026: Live— Gemini ceased operations in the UK and Europe on 6 April 2026; the card remains a US product

“Earn up to 4% crypto back on every purchase with no annual fee”gemini.com · captured 5 Sep 2026

Where you can get it

US: 1 country: US

1 source

“To be eligible to participate in the Rewards Program, you must also be a cardholder of a Gemini Card (Consumer or Business).”gemini.com · legal · captured 5 Sep 2026

Availability and terms by country ↓

Trust

Verified: 5 Sep 2026
Coverage: 4 of 8 key figures verified, 1 not disclosed
Confidence: A official source plus an independent one
Disclosure: public page
Source: gemini.com
Link: direct — pays us nothing

Report a wrong figure · Formula v1.2

Availability and terms by country

One row per country with a Cardefi hub, read from the issuer's own country lists. 1 countries are listed as available in total.

Country	Status	Issuer / licence
United States	Availablechecked 5 Sep 2026	WebBank

Questions about this card

Answers are generated from the verified fields on this page. A question is only shown when the figure behind it has a source.

What does Gemini Credit Card charge on foreign currency?: Gemini Credit Card adds 0.0% on transactions in a currency other than the account currency.
Does Gemini Credit Card charge an annual fee?: The annual fee for Gemini Credit Card is $0.
How much cashback does Gemini Credit Card pay?: Gemini Credit Card pays up to 1.0%, which is the highest rate any of its tiers reaches.
What does Gemini Credit Card charge at an ATM?: Gemini Credit Card charges 3.0% on ATM withdrawals. The ATM operator may add its own fee on top.
Who holds the funds behind Gemini Credit Card?: Gemini Credit Card runs on a credit line, so purchases are settled by the issuer and repaid afterwards rather than drawn from a balance you hold.
Does Gemini Credit Card require identity verification?: Yes. Gemini Credit Card requires full identity verification before the card can be used.