Popular crypto exchange Gemini has entered the consumer market in the US with a brand new bonus campaign for its credit card offer. For years, Gemini’s crypto credit card has been simplifying crypto for US users, but now, it also lets them earn digital assets for everyday purchases. The card offers up to 10% cashback at select merchants and tiered rates ranging between 1–4% on fuel, dining, groceries, and other spending.
Notably, there is no annual fee or foreign transaction fee, and rewards post instantly to your Gemini account. Read on to learn more about the Gemini crypto credit card and a detailed breakdown of all its bonuses.
Gemini Credit Card: Explained
Gemini’s credit card is issued by WebBank and runs on the Mastercard network. Here’s a brief look at the card’s key features:- Up to 10% back: You can receive up to 10% cash back at participating online brands through limited-time offers.
- Tiered rewards: Earn up 4% back on gas/EV charging and transit, 3% on dining, 2% on groceries, and 1% on everything else.
- Instant deposits: Rewards are typically deposited as soon as transactions post, but certain purchases (like gas pumps, hotels, car rentals) may be deposited when the charge clears.
- Cashback for 50+ Cryptos: Select Bitcoin, Ethereum, or any one of more than 50 cryptos for your rewards. You can also switch the crypto at any time.
- No annual/foreign fees: $0 annual fee & $0 foreign transaction fees. See Gemini’s cardholder agreement for more details on rates and fees.
Note: 4% cashback on gas/EV charging applies to up to $300 in monthly spend, then 1% for the remainder of that month. There are also a few exclusions for instant deposits; please refer to the Rewards Program Terms for details.
What Is Gemini?
Gemini is a New York-based crypto exchange founded in 2014 by Cameron and Tyler Winklevoss. The platform operates under the oversight of the New York State Department of Financial Services and is recognized for its robust security measures.
In addition to seamless crypto trading, the exchange offers institutional-grade custody and payments tools, alongside staking features (where available). At the same time, Gemini is already renowned for its focus on security, including insured cold storage custody, multi-signature wallets, and mandatory 2FA.
Why Choose the Gemini Credit Card in 2025?
Unlike traditional points, your cashback for purchases is paid in the crypto of your choice, which is likely to increase in value over time. In fact, you can hold, trade, or convert this crypto per your wish within your Gemini account.
Since most rewards are credited instantly to your Gemini account once purchases are posted, you don’t need to wait for monthly statements to arrive. In a fast-paced market like crypto, where prices can change drastically in a matter of hours, instant crediting is an essential part of Gemini’s crypto credit card offer.
Adding to the list of rewards, Gemini’s referral program lets you earn up to $5,000/year in crypto. You can earn $50 for each successful referral, plus a $250 bonus for every five referrals (maximum of 50 per year), giving you all the more reason to join the exchange and start earning from the get-go.
Best Crypto Credit Card in the US Today?
The Gemini crypto credit card offers up to 10% back at select online brands, everyday category boosts, and instant crypto reward deposits, all with no annual or foreign transaction fees.
Our analysis shows that the card is designed for both crypto newcomers and seasoned holders alike. First-time users can get an easy and secure way to transact in crypto while earning a variety of bonuses, and crypto veterans can make everyday spending a part of their investment strategy.
Combine that with Gemini’s referral program and flexible choice of over 50 coins, and it’s one of the most compelling crypto rewards cards available in the US today.
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