Gemini Credit Card Review

Earn up to 3% back in crypto on up to $6,000 spent annually.

  • 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.
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Up to 3%

Cash back


Annual fee

15.24% to 26.24%

Purchase APR (variable)


Recommended credit score


Annual fee$0
Welcome offerSpend $1,500 following card activation in your first month (if approved by October 6, 2022) and unlock a limited edition animated NFT
Rewards3% on dining on up to $6,000 annually (then 1%), 2% on groceries and 1% on other purchases (redeem in cryptocurrencies on Gemini)
Purchase APR15.24% to 26.24% variable
Balance transfer APRN/A
Minimum Credit Score670

Review by

Steven Dashiell is Senior Writer, Personal Finance at Finder specializing in all things credit cards. With more than 300 articles under his belt, he aims to help readers embrace credit cards and maximize their rewards. Steve is studying to become a Certified Educator in Personal Finance, and is a frequent face on Finder’s YouTube channel, offering the latest in credit card hacks and advice. His expertise has been featured on numerous outlets, including U.S. News & World Report, NASDAQ, Time, CBS, Fox Business, Lifehacker, Martha Stewart Living and more.

Expert review

The Gemini Credit Card is one of the first category crypto credit cards on the market. Cardholders can earn 3% back on dining on up to $6,000 annually and reverting to 1% back after, 2% back on groceries and 1% back on all other purchases in the form of your selected eligible cryptocurrency. It carries no annual fee or foreign transaction fees, a variable APR of 15.24% to 26.24%, and pays out your crypto rewards at the time of purchase.

The Gemini Credit Card‘s earning rate immediately places it in the upper echelon of crypto credit cards and above it’s 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.

The card is also relatively light on fees, lacking an annual fee and foreign transaction fee while sporting a middle of the road APR. Of course, we’re talking card fees here. Fees associated with trading or converting your earned cryptocurrency is a different matter entirely. For more information on crypto-specific fees, we recommend you read more about the Gemini platform. But for pure earning power and flexibility, the Gemini Credit Card is one of the best choices on the market.

Disclaimer: This page is not financial advice or an endorsement of digital assets, providers or services. Digital assets are volatile and risky, and past performance is no guarantee of future results. Potential regulations or policies can affect their availability and services provided. Talk with a financial professional before making a decision. Finder or the author may own cryptocurrency discussed on this page.

How to apply for the Gemini Credit Card

The Gemini Credit Card is no longer waitlisted, though applications for the card are currently down. When available, you can apply by doing the following.

  1. Go to the provider's site and select Apply now.
  2. Click Get started at the upper right hand corner of the screen.

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 on up to $6,000 total spent annually, reverting to 1% back afterward. You’ll also earn 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 and you can change your chosen cryptocurrency at any time. Your crypto rewards are posted to your account immediately.
  • Few fees. You won’t pay an annual fee to use the Gemini Credit Card. The card also lacks a foreign transaction fee and exchange fees for claiming your earned rewards. You may still encounter fees when selling or converting your crypto rewards.
  • Several color choices. You have three options of card design: silver, black, or rose gold.
  • Available in all 50 states. You can apply for this card not matter your state of residence.
  • 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

  • No signup bonus. This card doesn’t offer a signup bonus. A few competing cards like BlockFi Bitcoin Rewards Credit Card‘s offering have a limited-time offer attached to the card.
  • No trading perks. The Gemini Card doesn’t offer additional crypto trading features such as the ability to earn interest on your crypto holdings.

Compare Gemini Credit Card with other no annual fee cards

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

1 - 3 of 23
Name Product Annual fee Balance transfer APR Purchase APR Filter values
Revenued Business Card Visa®
A flexible spending line and prepaid business card that earns 3% cash back on all purchases. Apply with no hard credit check. Requirements: 6+ months in business, an existing business bank account with $10,000 average monthly deposits, more than one employee.
Capital One VentureOne Rewards Credit Card
0% intro for the first 15 months (then 17.99% - 27.99% variable) 3% fee on the amounts transferred within the first 15 months
0% intro for the first 15 months (then 17.99% - 27.99% variable)
Earn 20,000 bonus miles once you spend $500 on purchases within the first 3 months from account opening.
Capital One Quicksilver Cash Rewards for Good Credit
Capital One Quicksilver Cash Rewards for Good Credit
28.49% variable
28.49% variable
Earn the same 1.5% cash back on every purchase and $0 annual fee as the Capital One Quicksilver Cash Rewards Credit Card, apply with good credit.

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. But if you want to see how it stacks up against the competition, compare more crypto cards to find one that best suits your needs.

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