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: Jul 29, 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.
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
- OriginalNew 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.
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 China applicability
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
China applicability
The source text is retained below.
Original
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。
Updated: Jul 29, 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
User reviews
Showing 10 approved reviews matched to this card
Gemini Markets & Credit Card Google Play review - 5 star
Great app
View original Gemini Markets & Credit Card Google Play review - 1 star
Face Recognition isn't Working Please Fix
View original Gemini Markets & Credit Card Google Play review - 1 star
sound like scam to me
View original Gemini Markets & Credit Card Google Play review - 1 star
They stole the money ($39) I deposited to buy crypto with. I've contacted customer service 7 times (12 now) and done all the KYC and anything else I was asked. Nobody will help. They just stole my money. Its been over a week (2 now) and nothing. Account frozen. There is no way to contact them by phone. No way to get my money UPDATE Its been over 2 weeks. My account is still frozen. THERE HAVE BEEN ZERO SUSPICIOUS OR UNUSUAL ACTIVITIES ON MY ACCOUNT. FDO NOT GIVE THESSE GUYS YOUR MONEY.
View original Multiple errors in app deployment +
They also sent the wrong card and will not replace it refusing to replace it with customerservice, even though the error was on their part.
View original Honest review
The app itself is user friendly and has a lot of features. Overall it’s a well designed app for new traders or crypto holders, but the support team takes forever to respond. I was able to withdraw once on this app, but now I can’t even withdraw my money. My account has been on some sort of “security hold” and I’ve been trying to get in contact with support for over a month now.
View original App won’t open
The app won’t even open for me.
View original Awful
Worst platform I’ve ever used don’t use this platform
View original Gemini Markets & Credit Card Google Play review - 1 star
I'm trying to withdraw my crypto reward, and it keeps telling me "No crypto is available for withdrawal," but it shows up in my account, and I see it there. Please fix this problem.
View original Gemini Markets & Credit Card Google Play review - 5 star
Easy and quick.
View original Risk factors
Updated: Jul 9, 2026
No risk factors are available