WebBank
The Gemini Credit Card®
Key Features
| Annual Fee | $0.00 |
| Other Fees | No foreign transaction fees |
| Network | Mastercard |
About this card
The Gemini Credit Card presents a mixed bag. Its strengths lie in the 'no annual fee' and 'no foreign transaction fees,' contributing positively to its value proposition. The rewards structure is reasonably attractive, especially for those interested in earning cryptocurrency, although the $300 monthly spending cap on the 4% category is a notable limitation. However, the card is significantly hampered by a high APR and, more critically, by widespread reports of poor customer service and account management issues associated with Gemini. The overwhelmingly negative user sentiment regarding support and account stability is a major concern. While the concept of earning crypto rewards is innovative, the execution and customer experience appear to be lacking. The high APR detracts from the rewards value, making the card less appealing for those who carry a balance. Considering these factors, the card's overall rating is in the 'Fair' range. It might be suitable for a specific niche of users very keen on crypto rewards and confident in their ability to manage their account without needing support, but the risks outweigh the benefits for the average user.
Pros & Cons
What's great
- No annual fee
- Generous sign-up bonus
- Cashback on purchases
- No foreign transaction fees
Things to consider
- High regular APR
What this card offers
Sign-up bonuses
- Welcome Bonus1
- Apply by 1/31 and spend $3,000 in 90 days
- Must be approved on or before January 31, 2026 to qualify.
Rewards
- Gas, EV & Transit 4%
- Dining 3%
- Groceries 2%
- Everything else 1%
- Earn up to 4% crypto back on every purchase
Other features
- Mastercard® World Elite
- Earn bitcoin or 50+ cryptos available on Gemini
- Rewards are instantly deposited3
- Easily change the crypto you want to earn, as often as you want.
- Seamlessly integrate the card with popular budgeting apps.
- Earn 10% Back on the Internet’s Favorite Brands.4
- Refer friends, earn up to $5,000 in crypto.
- Get $50 in crypto for each referral and an extra $250 bonus each time you make 5 referrals. Up to 50 referrals per year.5
Additional Notes
Issued by WebBank. See Rates & Fees for more information regarding rates, fees, and other cost information. 4% back on qualifying purchases is available on up to $300 in spend/month (then 1% on all other qualifying purchases that month). Spend cycle will refresh on the 1st of each month. Some exclusions apply to instant rewards in which rewards are deposited when the transaction posts. Subject to Rewards Program Terms. 10% Vault Rewards are available on up to a limited value in spend per month and varies depending on the merchant offer. Subject to the Rewards Program Terms. This offer is only available for the Credit Card Referral Program and Terms Apply. Promotional terms apply.