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Gemini Credit Card Review

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This is the second credit card to offer cryptocurrency as a reward on purchases

  • Get this card if you want to buy bitcoin or eligible crypto through Gemini as credit card rewards.
  • Pick another card if you want a traditional rewards card that earns points, cash back or miles.
  • Apply with a good to excellent credit score of 670 or higher.

Up to 3%

Cash back


Annual fee

APR details not yet released

Purchase APR


Recommended credit score


Annual fee$0
Welcome OfferN/A
Rewards3% on dining, 2% on groceries and 1% on other purchases (redeem in cryptocurrencies on Gemini)
Purchase APRAPR details not yet released
Balance transfer APRN/A
Recommended minimum credit score670

Review by

Steven Dashiell is a credit cards writer at Finder. He's worked on 250 Finder articles and counting, helping readers embrace and maximize credit cards. Backed by nearly a decade of research and reporting experience, Steve's work can be seen on, and Lifehacker.

Expert review

When the Gemini Credit Card launches, you’ll earn 3% back on dining, 2% back on groceries and 1% back on all other purchases in the form of your selected eligible cryptocurrency. It requires no annual fee and pays out your crypto rewards at the time of purchase.

While details on the card’s rates and fees aren’t available yet, the Gemini Credit Card already sounds stronger than its main competitor, the BlockFi Bitcoin Rewards Credit Card. The Gemini Credit Card can earn up to double the rewards of the BlockFi card and you aren’t limited to just bitcoin – you can choose any cryptocurrency available on Gemini for your crypto rewards. This makes it a much more flexible card for diversifying your crypto holdings.

Unfortunately, we can’t truly compare the two cards yet as many of the Gemini card details haven’t been revealed, including the APR and assorted fees. It’s also not yet clear if the card will carry additional perks associated with crypto trading, similar to those offered by the BlockFi card. But even with the limited information we have, it seems the Gemini Credit Card might be even stronger than the BlockFi Bitcoin Rewards Credit Card.

How to apply for the Gemini Credit Card

While the Gemini Credit Card isn’t yet available, you can still sign up for the waitlist.

  1. Go to the Gemini website.
  2. Scroll down until you see the Gemini Credit Card and click Join waitlist.
  3. Click Join waitlist at the upper right hand corner of the screen.
  4. Enter your email address and click Join waitlist.

What credit score do I need?

You’ll want a good to excellent credit score of 670 or higher to qualify for the Gemini Credit Card.

Gemini Credit Card benefits

  • Earn cryptocurrency. Earn 3% back on dining, 2% back on groceries and 1% back on all other purchases. You can choose to earn your rewards as any cryptocurrency currently available through Gemini. Your crypto rewards are posted to your account immediately.
  • No annual fee. You won’t pay an annual fee to use the Gemini Credit Card.
  • Instant access. You can access and use your Gemini Credit Card account number as soon as you’re approved.
  • World Mastercard. The Gemini Credit Card is a World Mastercard and receives the benefits associated with such cards. This includes perks like exclusive offers with merchants such as DoorDash and Lyft, as well as price protection and ID theft protection.

Gemini Credit Card drawbacks

  • Rates and fees not yet known. Several card details, including the APR and fees, aren’t yet available.
  • Additional perks unknown. Gemini hasn’t yet mentioned if the card will feature additional crypto perks, such as bonuses on trading.

Compare Gemini Credit Card with other no annual fee cards

Use the table below to see other no annual fee cards to compare with.

Name Product Annual fee Balance transfer APR Purchase APR Filter values
Blue Cash Everyday® Card from American Express
0% intro for the first 15 months (then 13.99% to 23.99% variable)
This everyday cashback card offers a higher than average welcome offer for no annual fee, letting you earn 20% back on purchases in the first 6 months for up to $150 back, plus $100 after you spend $2,000 in the first 6 months. Terms apply, see rates & fees
Chase Freedom Unlimited®
14.99% to 23.74% variable
0% intro for the first 15 months (then 14.99% to 23.74% variable)
This solid 1.5% cashback card gets even better with the addition of up to 5% back in categories like travel, drug stores and dining.
Citi® Diamond Preferred® Card
0% intro for the first 18 months (then 14.74% to 24.74% variable)
0% intro for the first 18 months (then 14.74% to 24.74% variable)

Best of Finder 2021

An impressive 18 months intro APR on balance transfers and purchases, as well as no annual fee make this one of the top 0% APR cards available.

Compare up to 4 providers

Bottom line

The Gemini Credit Card is already making an impressive showing with its high earning rate and ability to earn more than one type of cryptocurrency. It could very well end up the premier credit card choice for earning crypto rewards on purchases. We’ll update this review as more information becomes available.

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