Available regions
Applications or normal card activation are supported
United StatesUSPuerto RicoPR
- Evidence
- Officially supported
Card database / Mastercard / Crypto cashback credit card
G
Gemini Credit Card
Updated: Oct 6, 2026
The Gemini Credit Card is a Mastercard World Elite crypto rewards credit card offered by Gemini to individual users and issued by WebBank. Cardholders make purchases using a revolving US dollar credit line and earn digital asset rewards based on merchant category. Rewards are generally deposited automatically into the Gemini account after transaction authorization or posting. The product offers an instant digital card and a metal physical card and can be used for online shopping, in-store payments, mobile wallets, and cash advances. The Bitcoin, XRP, Solana, and Zcash versions primarily differ in card design and reward theme.
- Card network
- Product type
- Crypto cashback credit card
- Card form
- Virtual + physical card / Virtual + metal card
- Operating status
- Active
- KYC level
- Full KYC
- Commercial relationship
- No commercial relationship
- Risk score
- 80-89
- Supported assets
USDC
BTC
ETH
SOL
XRP'%20xlink:href='%23b'/%3e%3cuse%20fill='%23FFF'%20xlink:href='%23b'/%3e%3c/g%3e%3c/svg%3e)
ADA
DOGE
AVAX
DOT
LINK
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ATOM
LTC
UNI
USDAAAAVE- Last updated
- Oct 6, 2026
Official and company information
Issuer identity and company credentials
Gemini, founded by the Winklevoss brothers in 2014, is a landmark platform in the global cryptocurrency space known for its "security and compliance-first" approach as a crypto-native financial network.
Gemini is directly regulated under the New York Banking Law. As a trust company, it must meet capital reserve requirements comparable to traditional banks, anti-money laundering (AML) audits, and stringent cybersecurity standards.
Users' digital assets and fiat currency are strictly segregated from Gemini's corporate assets at the underlying level (Segregated Accounts).
Leveraging the Mastercard network, it offers high real-time crypto spending rewards (directly returning Bitcoin, Ethereum, etc.).
Gemini holds compliance licenses in the vast majority of US states (or operates via d/b/a forms).
In Europe (in the MiCA era, it has successfully obtained the MiCA (Markets in Crypto-Assets Regulation) license from the Malta Financial Services Authority (MFSA), with its compliant business scope perfectly covering all 27 EU member states.
Also licensed in France and the UK: holds a French Digital Asset Service Provider (DASP) registration and a compliant Electronic Money Institution (EMI) license from the UK Financial Conduct Authority (FCA).
- Company / issuer
- Gemini
- Legal name
- Gemini Trust Company, LLC
- Registered region
- United States (US)
- Headquarters
- New York, United States
- Company type
- Crypto exchange
- Verification status
- Verified
- Issuer website
- Official link
- Application page
- Application link
Card overview
The Gemini Credit Card has a traditional credit card structure. Purchases use a USD credit limit provided by WebBank and do not directly debit the user's digital asset balance. Applicants can first complete a prequalification check that does not affect their credit score. A formal application triggers an inquiry into their personal credit report. Once approved, users can immediately access a digital card and later receive a physical metal card. Crypto rewards earned from spending are deposited into the linked Gemini account. Users can select a reward currency from more than fifty digital assets and change it at any time. The different Editions share the same credit account, fees, and rewards structure, and are distinguished mainly by co-branded designs and features related to specific assets. The physical card can have a PIN and be used for cash advances, but cash advances incur fees and interest. The card may not be used to purchase crypto, gamble, cover business expenses, or top up a Gemini account.
Mastercard card experienceRegional availabilityTerms may change
Notice: No additional notice is available.
Usage scale & trends
Usage data is not available for this card yet. It will appear here when available.
Card variants and fee differences
Compare verified fee records across card forms and tiers
Drag or swipe anywhere in the table to view every card; labels stay fixed
G The Gemini Credit Card® | G The Bitcoin Credit Card™ | G Gemini Credit Card: XRP Edition | G Gemini Credit Card: Solana Edition | G Gemini Credit Card: Zcash Edition | |
|---|---|---|---|---|---|
| Card form | Virtual + physical card | Virtual + metal card | Virtual + metal card | Virtual + metal card | Virtual + metal card |
| Fees | |||||
| Monthly fee | Free No monthly or annual fee | Free No monthly or annual fee | Free No monthly or annual fee | Free No monthly or annual fee | Free No monthly or annual fee |
| Card issuance fee | Free No application or card issuance fee | Free No application or card issuance fee | Free No application or card issuance fee | Free No application or card issuance fee | Free No application or card issuance fee |
| ATM fee | 10 USD + 3% Interest accrues from the day of withdrawal | 10 USD + 3% Interest accrues from the day of withdrawal | 10 USD + 3% Interest accrues from the day of withdrawal | 10 USD + 3% Interest accrues from the day of withdrawal | 10 USD + 3% Whichever is higher; interest accrues from the day of withdrawal |
| Foreign exchange fee | Free No foreign transaction fee | Free No foreign transaction fee | Free No foreign transaction fee | Free No foreign transaction fee | Free No foreign transaction fee |
| Top-up fee | — | — | — | — | — |
| Failed transaction fee | — | — | — | — | — |
| Rewards | |||||
| Cashback | — | — | — | — | — |
| Crypto cashback | 1% Up to 10% at designated merchants, calculated by merchant category code | 1% Up to 10% at designated merchants, calculated by merchant category code | 4% 1%–4%, up to 10% at designated merchants; calculated by merchant category code | 4% 1%–4%, up to 10% at designated merchants; calculated by merchant category code | 4% 1%–4%, up to 10% at designated merchants; calculated by merchant category code |
| Staking rewards | 0 SOL rewards are automatically staked; unavailable in New York State | 0 SOL rewards are automatically staked; unavailable in New York State | — | 0 SOL rewards are automatically staked; unavailable in New York State | 0 SOL rewards are automatically staked; unavailable in New York State |
| Staking APR | 6.12% Variable rate not guaranteed | 6.12% Variable rate not guaranteed | 6.12% Variable rate not guaranteed | 6.12% Variable rate not guaranteed | 6.12% Variable rate not guaranteed |
| Welcome bonus | — | — | — | — | — |
| Referral bonus | 50 USD USD 250 bonus per five people, annual maximum USD 5,000 | 50 USD USD 250 bonus per five people, annual maximum USD 5,000 | 50 USD USD 250 bonus per five people; annual maximum USD 5,000 | 50 USD USD 250 bonus per five people; annual maximum USD 5,000 | 50 USD USD 250 bonus per five people; annual maximum USD 5,000 |
| Limits | |||||
| Daily spending limit | — | — | — | — | — |
| Monthly spending limit | — | — | — | — | — |
| ATM withdrawal limit | 1,000 USD + 10% Both limits apply: USD 1,000/day and no more than 10% of the limit | 1,000 USD + 10% Both limits apply: USD 1,000/day and no more than 10% of the limit | 1,000 USD + 10% Both limits apply | 1,000 USD + 10% Both limits apply | 1,000 USD + 10% Both limits apply; daily limit and no more than 10% of the limit |
| Card network |
Fees may vary by region, card tier, and official policy. Verify the latest official terms.
Regions and language support
Application status based on public sources, official policy, and user reports. This is not application advice.
Unsupported or restricted regions
Applications or features are unavailable or restricted
Global ex-US
- Evidence
- Officially restricted
Unconfirmed regions
Evidence is insufficient
No records
- Evidence
- Public sources
Availability in English-Speaking Markets
1. United States：Can apply，Can use，U.S. residents in all 50 states are within the current issuance area, with final approval requiring successful identity verification and credit approval.
2. United Kingdom：Cannot apply，Can use，The card is issued only to eligible U.S. residents, but an existing cardholder can continue using it in the UK for supported international purchases.
3. Canada：Cannot apply，Can use，Canadian residents are outside the U.S.-only card issuance program, while cards already issued to eligible U.S. users can be used in Canada.
4. Australia：Cannot apply，Can use，Australian residents are not eligible for this U.S.-only credit card, but existing cardholders can use their card in Australia for supported international purchases.
5. South Africa：Cannot apply，Can use，South African residents cannot obtain the card because issuance is limited to U.S. residents, while existing cardholders can still use it locally.
6. New Zealand：Cannot apply，Can use，New Zealand residents are outside the current U.S. issuance area, but a card legally issued to an eligible U.S. resident can be used in New Zealand.
7. Ireland：Cannot apply，Can use，Irish residents cannot apply because the card is not issued outside the United States, while existing cardholders can use it in Ireland.
Updated: Sep 15, 2026
KYC requirements
Current identity-verification requirements and restrictions
KYC required
YesRequiredKYC level
Full KYCRequirement confirmedProof of address
NoNot requiredAccepted documents
State-issued ID / Driver's license / Passport / Passport card / Permanent resident card
Review time / regional limits
Automatic review usually takes one minute; resubmission or manual review may extend to two weeks.
KYC provider
Not officially disclosed
Updated
Jul 29, 2026
Payment compatibility
Support status and update date by payment scenario · Actual availability may vary by region, merchant, and issuer policy
Compatibility overview12 scenarios
Supported12
Not supported0
UpdatedJul 29, 2026
Wallet payments
Alipay
Supported
Jul 29, 2026
Wallet payments
Apple Pay
Supported
Jul 29, 2026
Cash services
ATM withdrawal
Supported
Jul 29, 2026
AI tools
ChatGPT
Supported
Jul 29, 2026
AI tools
Claude
Supported
Jul 29, 2026
Wallet payments
Google Pay
Supported
Jul 29, 2026
AI tools
Midjourney
Supported
Jul 29, 2026
In-person payments
Offline POS
Supported
Jul 29, 2026
Online shopping
Online shopping
Supported
Jul 29, 2026
Wallet payments
PayPal
Supported
Jul 29, 2026
Subscriptions
Subscription payment
Supported
Jul 29, 2026
Wallet payments
WeChat Pay
Supported
Jul 29, 2026
Review
Read the editorial review, its verdict and latest update.
No review yet
No review has been published for this card. Published reviews appear here.
User reviews
Showing 10 approved reviews matched to this card
Gemini Markets & Credit Card Google Play review - 1 star
New update requires a setup of passkey!...on Samsung s23 it proms to use an authenticator app, etc. What a headache and annoyance! I already login to the Gemini app with a fingerprint! Stop making this app so insanely hard to login into! If I didn't have some money in there, I'd delete this app in a heartbeat! What an idiotic update! Additionally, on the main homepage, the maximum time horizon is 1Y....where is the ALL timeframe on the main page?! (inside indv coins, there is ALL)
View original Gemini Markets & Credit Card Google Play review - 1 star
Poor support/Account closed, no explanation. Froze my money, would not let me move it, resolution took 2 weeks only to be told the had to close my account with no explanation. AVOID AT ALL COSTS.
View original Gemini Markets & Credit Card Google Play review - 1 star
DO NOT USE. This company is a joke. You would think a financial institution would have modern support or the ability to get someone on the phone to help resolve an issue. Instead you need to spend 4 weeks going back and forth via email because they only respond 2 times a week. I'm no longer using this card or company. They are terrible
View original Gemini Markets & Credit Card Google Play review - 1 star
talk about frustration
View original Gemini Markets & Credit Card Google Play review - 2 star
Love Gemini, the service is great. But the app takes a ridiculously long time to load while typing in your pin number to log on. The lag is insane, very frustrating. Sometimes it even crashes. Fix that and it's a 5/5. Until then it's a 3. Edit; It's crashing more often since the last update, 2 stars
View original Gemini Markets & Credit Card Google Play review - 5 star
Describe your experience (optional)
View original Gemini Markets & Credit Card Google Play review - 5 star
I have no problem with the credit card. no problem with the app very easy to use. love xrp as the bonus for using the card
View original Gemini Markets & Credit Card Google Play review - 1 star
won't accept password!!
View original Gemini Markets & Credit Card Google Play review - 1 star
Useless app, crashes everytime you open it.
View original Gemini Markets & Credit Card Google Play review - 2 star
First off let me say that I like Gemini. This app is awfully slow. Tap. Tap. Tap. Maybe get a response. Whenever I log in I'm asked to set up a pin-code. Regardless of the fact that I have already chosen one many times previously. This pin-code is never used anywhere! The fees!!!! I'll stick with the website for buying or selling anything. Why the dichotomy??? Good luck trying to change your phone number in your profile. I've been trying for years.
Official reply
View original Hi there, thank you for reaching out and we are sorry to hear about your experience. Our team will be happy to help you with this. Please submit a request via our help center by following this link here: https://support.gemini.com/hc/en-us/requests/new
Risk factors
Updated: Jul 9, 2026
No risk factors are available
Frequently asked questions
Answers drawn from the published record on this page.
Does Gemini Credit Card require KYC?
Our record lists the Gemini Credit Card verification requirement as: Full KYC. Document and review details are in the KYC section of this page.
Does Gemini Credit Card support Apple Pay and Google Pay?
Apple Pay: Supported. Google Pay: Supported.
Which assets can I top up Gemini Credit Card with?
Our record lists Gemini Credit Card support for: USDC, BTC, ETH, SOL, XRP, ADA, DOGE, and AVAX (16 in total).
Is Gemini Credit Card a virtual or a physical card?
Gemini Credit Card is offered as: Virtual + physical card and Virtual + metal card.
Where is Gemini Credit Card available?
Our record lists 2 countries or regions as available and 1 as restricted. Country-by-country status is in the regions section of this page.
Who issues Gemini Credit Card?
Gemini Credit Card is operated by Gemini on the Mastercard network.