TL;DR.Gemini Credit Card is a Mastercard crypto debit card (Physical, KYC: Full KYC). Cost per $100 spent: n/a. Top-up fee n/a, FX fee 0%. Wallet support: Apple Pay + Google Pay. Status: operational. Last verified: May 1, 2026.
CARD PROFILE · FULL KYC
Gemini Credit Card.
U.S.-only Mastercard World Elite credit card from Gemini exchange (issued by WebBank). Earn up to 4% crypto back on gas/EV/transit/rideshare ($300/mo cap), 3% dining, 2% groceries, 1% other — paid instantly in 50+ cryptocurrencies of your choice. No annual fee, no FX fees.
Cost / $100
—
Top-up fee
—
Network
Mastercard
Card type
Physical
IBAN
No
Monthly limit
—
Status
Operational
Pros.
- +Up to 4% crypto back on gas, EV charging, transit, taxis & rideshare (capped $300/mo)
- +3% back on dining, 2% on groceries, 1% on everything else
- +No annual fee
- +No foreign transaction fees
- +World Elite Mastercard benefits (concierge, ID theft protection, travel perks)
- +50+ cryptocurrencies for rewards (BTC, ETH, SOL, XRP, etc.)
- +Instant rewards deposited to Gemini account when transaction posts
- +Apple Pay and Google Pay supported
- +Issued by WebBank — regulated U.S. credit card
Cons.
- −U.S. residents only — not available outside the United States
- −Credit card (not debit) — credit check and approval required
- −4% top tier capped at $300 monthly spend, then drops to 1%
- −Purchase APR 17.24%–29.24% (variable) — high interest if balance carried
- −Cash advance fee $10 or 3%, whichever is greater
- −Rewards subject to crypto market volatility
- −Not a debit card — no spend-from-crypto-balance use case
FEE BREAKDOWN
Detailed fee breakdown.
Top-up fee
—
Transaction fee
—
FX fee
0%
Issuance
Free
Monthly
Free
Cost / $100
—
No annual fee. No foreign transaction fees. Purchase APR 17.24%–29.24% variable; cash advance APR 30.24%; penalty APR 34.24%. Cash advance fee: $10 or 3%, whichever is greater. Rewards: 4% gas/EV/transit (cap $300/mo), 3% dining, 2% groceries, 1% other.
COVERAGE
Where it works.
Supported coins
BTCETHSOLXRPDOGELTCBCHAVAXDOTLINKMATICUSDCDAIGUSDPAXG
Chains
BitcoinEthereumSolanaXRP LedgerArbitrumOptimismPolygonAvalanche
Use cases
Online · IRL
Blocked countries
IRKPSYCURUBYVEMMSDCN
WALLETS
Apple PayYes
Google PayYes
ATMNo
REPUTATION
Trustpilot
1.3/5
1439 reviews
Monevia score
76/100
Verified May 1, 2026
ALTERNATIVES