Card details · Gemini
Gemini Credit Card review: fees, rewards and APR
The Gemini Credit Card is a credit card from Gemini with a $0 annual fee. By our overall score it ranks #212 of the 435 credit cards we rank (store-only cards excluded). It is listed in our gas, dining and cash back rankings.
Key facts
- Issuer
- Gemini
- Network
- Mastercard
- Annual fee
- $0
- Ongoing APR
- 16.74% - 34.74%
- Foreign transaction fee
- None
- Our overall score
- 43 (#212 of 435 cards)
Rewards
- 4% back in crypto on gas, EV charging and transit (on up to $300 of spend per month, then 1%)
- 3% dining
- 2% groceries
- 1% everything else. Rewards are paid in bitcoin or another crypto you choose (50+ available).
Benefits and notes
Rewards are deposited as crypto in your Gemini account, and their value moves with the market. Selling the crypto for cash goes through Gemini, where trading fees apply.
Where it ranks
- Overall: #212 of 435 cards (score 43)
- Gas cards: #9 of 44 by our gas score
- Dining cards: #32 of 68 by our dining score
- Cash back cards: #36 of 105 by our cash back score
Category positions use the score each category ranking is built on, among the non-store cards tagged with that category in our database; a category page can show fewer cards (for example after filters), so its on-page position can differ slightly.
How we put this page together
Everything on this page comes from our card database (checked against Gemini’s site) as of November 8, 2026: fees, APRs, rewards and the welcome offer are shown as stored, without our own estimates. The score is our overall card score, explained in our methodology. We don’t publish star ratings or user reviews. Terms apply; confirm current terms with the issuer before applying.
Frequently asked questions
What is the annual fee on the Gemini Credit Card?
$0, as stored in our database. Confirm the current fee on Gemini’s site.
Does the Gemini Credit Card have a welcome bonus?
Our database lists no welcome offer for this card right now.
Does the Gemini Credit Card have a 0% intro APR?
Our database lists no intro APR offer for this card.
Does the Gemini Credit Card charge foreign transaction fees?
Our database lists no foreign transaction fee for this card.
How does the Gemini Credit Card rank on Your Best Cards?
#212 of 435 cards by our overall score (43). In our category lists: #9 of 44 gas cards; #32 of 68 dining cards; #36 of 105 cash back cards.
Other top-scoring cards
- 8X points on Chase TravelSM purchases
- 4X on flights and hotels booked direct
- 3X on dining worldwide
- Annual fee
- $795
- Welcome offer
- Earn 100,000 points after you spend $6,000 in purchases in the first 3 months from account opening.
- 4X Membership Rewards points at U.S. supermarkets (up to $25,000/year)
- 4X at restaurants (up to $50,000/year)
- 3X on flights through American ExpressTravel
- Annual fee
- $325
- Welcome offer
- Earn up to 100,000 Membership Rewards Points after $8,000 spend in 6 months.
- Unlimited 2X miles
- 10X on hotels and rental cars and 5X on flights and vacation rentals booked through Capital One Business Travel
- Annual fee
- $395
- Welcome offer
- Earn 150,000 Miles once you spend $40,000 in the first 4 months from account opening
- 4X points on your top 2 eligible categories each month (advertising, electronics/software/cloud, gas, restaurants, transit, wireless), on the first $150,000 in combined purchases per year, then 1X. 3X on flights and prepaid hotels on AmexTravel.com. 1X on everything else.
- Annual fee
- $375
- Welcome offer
- AS HIGH AS 200,000 Membership Rewards® Points after you spend $15,000 in purchases on your new Card within the first 3 months of Card Membership. Welcome offers vary and you may not be eligible for an offer.
- 10x points per $1 spent on hotels, car rentals and attractions booked at cititravel.com
- 3x points on air travel and other hotel purchases
- 3x points at supermarkets, restaurants, gas & EV charging stations
- Annual fee
- $95
- Welcome offer
- Earn 60,000 bonus points spending $4,000 in the first 3 months of account opening, redeemable for $600 in gift cards or travel rewards at thankyou.com.
Offers, fees and APRs are shown as stored in our database and can change at any time; terms apply. Always confirm current terms on the issuer’s site before applying. Not financial advice. Partner links, where they exist, never change the order. Affiliate disclosure.