Full profile.
Fees, cashback, eligibility, and how long this card has been on the market.
This card
Gemini · Mastercard
Gemini Credit Card
US Mastercard. Crypto rewards, 1% after the category cap.
United States
Net yearly gain @ $1,500/mo
$153
Launched: Not published
Flick trustworthyNot published
Verified September 25, 2026 · Illustrative data
The Gemini Credit Card is a US Mastercard World Elite. It does not spend a crypto balance: you pay a fiat credit bill and earn crypto back. There is no annual fee and no foreign-transaction fee on the official page. Category rates go to 4% on a limited monthly slice, then 1% on other qualifying purchases. We rank 1%. A 34.99% figure does not appear on that page.
Availability
Marketed as a United States credit card (Gemini Trust Company, LLC). Not an EEA or UK consumer card on the page we checked.
- EMI / issuer
- Gemini credit-card partner (not named on the marketing page)
- Regulator
- Not named on the marketing page
- Custody
- Custodial
- KYC
- Full KYC
- Form
- Virtual + physical
- Fee-free ATM
- Not published
- Assets
- Multi-asset
- Top-up
- Fiat / IBAN
- High limits
- Not published
- Staking / lock
- No
- Launched
- Not published
- Apple Pay
- Not published
- Google Pay
- Not published
Strengths
- ＋No annual fee and no foreign-transaction fee
- ＋1% crypto back is the published floor
- ＋Clear US Mastercard, not a vague global debit
Watch-outs
- –You are not spending crypto; it is a credit card
- –4% is capped, then the rate falls to 1%
- –Apple Pay and Google Pay are not stated on the page we read
Fee stack
- Issuance
- Free
- Yearly fee
- Free
- FX
- 0%
- Conversion
- Not published. No annual fee and no foreign-transaction fee. This is a fiat credit bill, not a crypto conversion at the till. A separate conversion percent is not published.
- ATM withdrawals
- A fee-free ATM or cash-advance band is not published on the credit-card page.
Net cashback
Entry → Max
1% → 4%
Token
Crypto back. 4% on qualifying category spend is capped (the page cites up to $300 a month, then 1%). Gas, EV, and transit are listed at 4%, dining at 3%. We rank the 1% floor.
Eligibility
Minimum age: Not published
A minimum age is not printed on the marketing page. A US credit card requires identity and a credit decision with the issuer.
- ▸United States residency
- ▸Full identity check and credit approval with the issuer
- ▸Pay the fiat bill; rewards are crypto, not a crypto balance you spend
Other cards to consider
Gemini Credit Card
Affiliate link · terms with the issuer
