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GGemini Credit Card logo

Gemini Credit Card

最近更新:2026/10/06

Gemini Credit Card 是 Gemini 面向个人用户提供的 Mastercard World Elite 加密返现信用卡,由 WebBank 发卡。持卡人使用美元循环信用额度完成消费,并按商户类别获得数字资产奖励,奖励通常在交易授权或入账后自动进入 Gemini 账户。产品提供即时数字卡和金属实体卡,可用于线上购物、线下刷卡、移动钱包和现金预借;Bitcoin、XRP、Solana、Zcash 等版本主要区别在卡面设计和奖励主题。

提交使用反馈
发卡网络
产品类型
加密返现信用卡
卡片形态
虚拟卡+实体卡 / 虚拟卡+金属卡
运营状态
正常运营
KYC 级别
完整 KYC
商业关系
无商业关系
风险分数
80-89
支持资产
USDCBTCETHSOLXRPADADOGEAVAXDOTLINKMATICATOMLTCUNIUSDAAAAVE
最近更新
2026/10/06

官方与公司信息

发行方与公司资质概览

已验证crypto exchangeMastercard Card

Gemini 由 Winklevoss 兄弟于 2014 年创立,是全球加密货币领域中“安全与合规至上的加密原生金融网络”标志性平台。 Gemini 受纽约州银行法(New York Banking Law)的直接监管。作为一家信托公司,它必须满足与传统银行相当的资本储备要求、反洗钱(AML)审计以及严格的网路安全标准。 用户的数字资产与法定货币在底层均与 Gemini 的企业自有资产进行严格的法团隔离(Segregated Accounts)。 依托万事达卡(Mastercard)网络,提供高额的实时加密货币消费返利(直接返还 Bitcoin, Ethereum 等)。 Gemini获得全美绝大多数州的合规经营许可(或通过 d/b/a 形式)。 在欧洲(MiCA 时代, 已顺利获得马耳他金融服务管理局(MFSA)颁发的 MiCA(加密资产市场法)牌照,其合规业务范围完美辐射欧盟所有 27 个成员国。 已获法国、英国: 持有法国数字资产服务商(DASP)注册资质及英国金融行为监管局(FCA)的合规电子货币机构(EMI)许可。

公司 / 发行方
gemini(Gemini Credit Card)
法律名称
gemini Trust Company, LLC
注册地区
美国(US)
总部
new York, United States
公司类型
crypto exchange
核验状态
已验证
发行方官网
官方链接
办卡入口
办卡链接

卡片概览

Gemini Credit Card 属于传统信用卡结构,消费时使用 WebBank 提供的美元信用额度,不会直接从用户的数字资产余额扣款。申请人可先进行不影响信用评分的资格预审,正式提交申请后会查询个人信用报告;获批后可立即取得数字卡,并在随后收到金属实体卡。消费产生的加密货币奖励存入关联的 Gemini 账户,用户可从五十多种数字资产中选择奖励币种并随时更改。不同 Edition 使用同一信用账户、费用和返现结构,主要通过联名卡面及特定资产功能进行区分。实体卡可以设置 PIN 并进行现金预借,但现金预借会产生费用及利息;卡片不得用于购买加密货币、赌博、经营性支出或为 Gemini 账户充值。

Mastercard 卡体验地区可用性权益条款变化
i

提示:暂无提示。

使用规模与趋势

这张卡片暂时没有可展示的使用规模数据。数据补充后会在这里显示。

卡片形态与费用差异

比较不同卡片形态与等级的真实费用记录

按住或滑动表格任意区域,左右查看全部卡片;左侧项目保持固定

The Gemini Credit Card®
The Bitcoin Credit Card™
Gemini Credit Card: XRP Edition
Gemini Credit Card: Solana Edition
Gemini Credit Card: Zcash Edition
卡片类型虚拟卡+实体卡虚拟卡+金属卡虚拟卡+金属卡虚拟卡+金属卡虚拟卡+金属卡
费用
月费
免费

无月费及年费

免费

无月费及年费

免费

无月费及年费

免费

无月费及年费

免费

无月费及年费

开卡费
免费

申请及发卡不收费

免费

申请及发卡不收费

免费

申请及发卡不收费

免费

申请及发卡不收费

免费

申请及发卡不收费

ATM 取现费
10 USD + 3%

取现当日开始计息

10 USD + 3%

取现当日开始计息

10 USD + 3%

取现当日开始计息

10 USD + 3%

取现当日开始计息

10 USD + 3%

取高;取现当日开始计息

货币转换费
免费

不收境外交易费

免费

不收境外交易费

免费

不收境外交易费

免费

不收境外交易费

免费

不收境外交易费

充值费—————
交易失败费—————
奖励
返现—————
加密货币返现
1%

指定商户最高10%,按商户类别代码计算

1%

指定商户最高10%,按商户类别代码计算

4%

1%–4%,指定商户最高10%;按商户类别代码计算

4%

1%–4%,指定商户最高10%;按商户类别代码计算

4%

1%–4%,指定商户最高10%;按商户类别代码计算

质押奖励
0

SOL奖励自动质押;纽约州不可使用

0

SOL奖励自动质押;纽约州不可使用

—
0

SOL奖励自动质押;纽约州不可使用

0

SOL奖励自动质押;纽约州不可使用

质押年利率
6.12%

浮动利率不作保证

6.12%

浮动利率不作保证

6.12%

浮动利率不作保证

6.12%

浮动利率不作保证

6.12%

浮动利率不作保证

欢迎奖金—————
推荐奖金
50 USD

每五人加奖250美元,年度最高5,000美元

50 USD

每五人加奖250美元,年度最高5,000美元

50 USD

每五人加奖250美元;年度最高5,000美元

50 USD

每五人加奖250美元;年度最高5,000美元

50 USD

每五人加奖250美元;年度最高5,000美元

限制
每日支出限额—————
每月支出限额—————
ATM 取款限额
1,000 USD + 10%

两项限制同时适用:1,000美元/日且不超过额度10%

1,000 USD + 10%

两项限制同时适用:1,000美元/日且不超过额度10%

1,000 USD + 10%

两项限制同时适用

1,000 USD + 10%

两项限制同时适用

1,000 USD + 10%

两项限制同时适用;每日限额且不超过额度10%

卡片网络
横向拖动查看其他卡片

费用可能因地区、卡片等级和官方政策变化,请以最新官方资料为准。

地区和语言支持

以下按地区申请状态整理公开资料、官方政策和用户反馈,不构成办卡建议。

可申请地区

支持申请或可正常开卡使用

2条

🇺🇸美国US🇵🇷波多黎各PR
证据来源
官方支持
更新时间
2026/07/09

不支持或受限地区

不支持或受限开户/功能

1条

🌐全球(不含美国)GLOBAL_EX_US
证据来源
官方限制
更新时间
2026/07/09

未确认地区

资料不足,状态待确认

0条

暂无记录

我们正在持续更新中

证据来源
已确认
更新时间
2026/07/09

中国大陆适用性

1、中国大陆:居民不可申请;美国合资格居民持有的有效卡可在 Mastercard 商户消费,并可按境外访客规则绑定微信支付或支付宝。

2、香港:居民不可申请;美国合资格居民持有的有效卡可在接受 Mastercard 的线上及实体商户使用,移动钱包受账户地区限制。

3、澳门:居民不可申请;美国合资格居民持有的有效卡可在接受 Mastercard 的线上及实体商户使用,交易按境外消费处理。

4、台湾:居民不可申请;美国合资格居民持有的有效卡可在接受 Mastercard 的线上及实体商户使用,移动钱包须符合当地规则。

证据来源
公开资料、官方政策、用户反馈
更新时间
2026/07/29

温馨提示:政策可能随时变动,建议以发卡行最新政策为准。

数据更新于 2026/10/06

KYC 要求

开户前需完成身份验证,以下为当前核验要求与限制说明

是否需要 KYC

是

✓需要

KYC 等级

完整 KYC

已通过标准

居住证明

不需要

×不需要

支持证件

州签发身份证、驾驶证、护照、护照卡、永久居民卡

审核时间 / 地区限制

自动审核通常一分钟,补件或人工复核可延长至两周

KYC 服务商

官方未披露

更新时间

2026/07/29

支付兼容性

查看各类支付场景的支持状态及更新时间,便于您快速了解当前可用性。i

兼容性概览

共 12 项场景

支持

12项

不支持

0项

数据更新时间

2026/07/29

钱包支付

支付宝

✓支持

更新时间  2026/07/29

钱包支付

Apple Pay

✓支持

更新时间  2026/07/29

现金服务

ATM 取现

✓支持

更新时间  2026/07/29

AI 工具

ChatGPT

✓支持

更新时间  2026/07/29

AI 工具

Claude

✓支持

更新时间  2026/07/29

钱包支付

Google Pay

✓支持

更新时间  2026/07/29

AI 工具

Midjourney

✓支持

更新时间  2026/07/29

线下支付

线下刷卡

✓支持

更新时间  2026/07/29

线上购物

线上购物

✓支持

更新时间  2026/07/29

钱包支付

PayPal

✓支持

更新时间  2026/07/29

订阅服务

订阅支付

✓支持

更新时间  2026/07/29

钱包支付

微信支付

✓支持

更新时间  2026/07/29

深度评测

查看这张卡片的编辑评测、结论和最近更新时间。

暂无深度评测

这张卡片暂未发布评测;发布后会显示在这里。

最近变化

经核实并发布的卡片变化记录,按发生时间排列。

暂无已确认的变化

该卡片还没有已确认并发布的变化记录。新的变化经核实后会出现在这里。

用户评论

323

展示最新 10 条已批准入库、并已匹配当前卡片的评论

最新优先
Copperbard34App Store自动审核入库第三方评价★ 1 / 5
原文

Can’t open app

App insta crashes right at open on iOS

Francisco LemusGoogle Play自动审核入库第三方评价★ 1 / 5
原文

they closed my position like 2 minutes after the game started. I recommend to never put a single dollar on this app. I cant cash out in a positive position and their support is not answering.

peter cTrustpilot已审核入库第三方评价★ 1 / 5
原文

Gemini Is Holding $28,740 of My Money and Refuses to Give Me Straight Answers

UPDATE 10/26/2026 - after filing complaints with three regulators a Better Business Bureau and trust pilot - Gemini released. My funds were withdrawn today. - it’s true that taking action gets results if you have problems with them similarly to below: * Filed a formal complaint with the Consumer Financial Protection Bureau (CFPB). * Filed a complaint with the Florida Office of Financial Regulation. * Filed a consumer protection complaint with the Florida Attorney General. * Filed a complaint with the Better Business Bureau (BBB). * Filed an initial complaint with the New York Department of Financial Services, which referred me to the appropriate regulators. * Submitted this Trustpilot review and repeatedly escalated the matter directly with Gemini. I cannot establish which action prompted Gemini’s decision, but the resolution followed these coordinated escalations. I achieved my objective, although the funds have not yet arrived in my bank account. Gemini estimates 3–4 business days. My advice: Document everything, preserve every communication, and escalate through the appropriate regulatory channels when ordinary customer support fails. END OF UPDATE Gemini has effectively locked me out of approximately $28,740 of my own money, and its handling of this situation has been absolutely appalling. Since October 15, 2026, Gemini has prevented me from withdrawing my USD funds to my own previously verified bank account. I have complied with its verification demands, provided additional identification and documentation through its designated secure system, and repeatedly requested a meaningful explanation. From the very beginning, Gemini’s responses have been canned, repetitive, and almost entirely devoid of useful information. I have received automated acknowledgments, AI-generated replies, and nearly identical messages telling me that my account is under review, that someone will assist me shortly, or that Gemini appreciates my patience. Different support tickets. Different representatives. Essentially the same useless responses. After all these communications, I STILL HAVE ABSOLUTELY NO IDEA WHAT IS GOING ON WITH MY MONEY. Gemini has not provided a meaningful explanation of the restriction, identified any outstanding action I can take, given me a credible timetable, or explained how I can recover my funds. I understand that cryptocurrency exchanges have legitimate security and compliance obligations. I have never objected to reasonable verification or lawful compliance procedures. What I object to is being denied access to nearly $29,000 while being subjected to an endless cycle of generic assurances that resolve absolutely nothing. I have been cooperative throughout this process. Gemini acknowledged receiving my additional verification documents. Yet nothing has changed. This is not merely poor customer service. When a financial institution restricts access to a substantial amount of a customer’s money, it has a responsibility to communicate meaningfully, subject to legitimate legal and regulatory limitations. Repeatedly telling someone to be patient is not an adequate substitute for an actual resolution. I have now escalated this matter through formal complaints to the Consumer Financial Protection Bureau, the Florida Office of Financial Regulation, the Florida Attorney General, and the Better Business Bureau. As of October 25, 2026, my funds remain inaccessible, and Gemini has still not given me a meaningful path to resolution. My message to prospective customers is simple: Think very carefully before entrusting significant funds to Gemini. My experience demonstrates how quickly access to your money can become restricted and how extraordinarily difficult it can be to obtain meaningful answers afterward. I want my money released to my verified bank account, or a clear, lawful explanation of the remaining requirements and a definite procedure for returning it. Until Gemini resolves this matter, I consider my experience with this company completely unacceptable.

Michael RenoGoogle Play自动审核入库第三方评价★ 1 / 5
原文

ledger unusable; buys and sells take hours to update. actions don't work. thin markets on predictions. outsources stocks to apex then gives you no way access account docs. UX for placing a limit order takes like 4 clicks not intuitive. bonuses don't redeem correctly. feels thrown together to compete with better apps.

Jos31234App Store自动审核入库第三方评价★ 1 / 5
原文

Scammers

They took my money even when I closed the bet out since I knew I was gonna lose and when I do win they don’t let you pull your money out but they do make the funds available to make bets make that make sense

Rhystil ShadowhelmGoogle Play自动审核入库第三方评价★ 1 / 5
原文

Once upon a time, it was good. not anymore. I logged in, had to update the app. Updated and logged back in, but now I can't see any of my crypto. no balances, can't even open the predictions menu because apparently my account isn't set up for it? No history. nothing. it's like it has my name on the account and nothing more. Now what? i just can't access my balances now? equivalent to theft right now, in my opinion.

ic3g0ddApp Store自动审核入库第三方评价★ 1 / 5
原文

App sucks

Poorly made I feel like I could’ve made a crypto app better than this why I gotta contact customer support to take my own money this is just terrible app i regret depositing money

Anthony MGoogle Play自动审核入库第三方评价★ 1 / 5
原文

won't let me withdraw my crypto earned thru credit card cashback.Contacted support 3 times no answer

Patrick DenbowGoogle Play自动审核入库第三方评价★ 5 / 5
原文

many perks come with this card. I have finally gotten my feet wet in crypto currency. highly suggest this card to anyone looking to build credit, and also learn about crypto

Travis McKeeGoogle Play自动审核入库第三方评价★ 1 / 5
原文

To be honest, since predict and sports gambling has been added, this app has sucked. Get your live updates better if you want to be a gambling app.

风险因素

更新时间:2026/07/09

暂无风险因素

常见问题

以下回答整理自本页已发布的卡片记录。

Gemini Credit Card 需要 KYC 吗?

我们记录的 Gemini Credit Card 认证要求为:完整 KYC。证件和审核细节见本页「KYC 要求」。

Gemini Credit Card 支持 Apple Pay 和 Google Pay 吗?

Apple Pay:支持;Google Pay:支持。

Gemini Credit Card 可以用哪些币种充值?

我们记录到 Gemini Credit Card 支持:USDC、BTC、ETH、SOL、XRP、ADA、DOGE和AVAX 等 16 种。

Gemini Credit Card 是虚拟卡还是实体卡?

Gemini Credit Card 提供:虚拟卡+实体卡和虚拟卡+金属卡。

Gemini Credit Card 在哪些国家和地区可用?

我们记录到 2 个国家或地区可用、1 个受限。逐个国家的状态见本页「地区和语言支持」。

Gemini Credit Card 由谁发行?

Gemini Credit Card 由 Gemini 运营,卡组织为 Mastercard。