Gemini Credit Card
No fee
Gemini
Gemini Credit Card
3.7
(1,890 reviews)cryptorewards
Reviewed by CardCompare Editorial Board
|CFP-reviewed|Updated April 2026A real credit card (not debit) that earns crypto rewards. Get 3% back at restaurants and 2% at grocery stores — all deposited as the cryptocurrency of your choice into your Gemini account. It's a true credit card issued by WebBank with standard credit reporting.
Annual Fee
No annual fee
Purchase APR
19.49% – 29.49%
Rewards
1x base rate
Sign-Up Bonus
$100 value
Credit Score
Good (670-749)
Foreign Txn Fee
None
Who Should Get This Card
The Gemini Credit Card is best suited for established credit users who people who want a real credit card that earns crypto. With no annual fee, there's zero cost to keep it in your wallet long-term.
This card is great if you…
- Real credit card with crypto rewards
- 3% dining is competitive
- 60+ crypto choices
- People who want a real credit card that earns crypto
Consider another card if you…
- Crypto rewards are volatile
- No sign-up bonus currently
- 1% base is average
Rewards Breakdown
3% dining, 2% groceries, 1% everything else — all in crypto
| Category | Rate |
|---|---|
| Dining(Earned as crypto of your choice) | 3% |
| Groceries | 2% |
| Everything else | 1x |
Rewards Distribution
3x
top rate
Dining3x50%
Groceries2x33%
Everything else1x17%
Sign-Up Bonus
$100 in Bitcoin after spending $1,000 in 30 days
Fees & APR
| Annual Fee | No annual fee |
| Purchase APR | 19.49% – 29.49% |
| Balance Transfer Fee | 3% |
| Foreign Transaction Fee | None |
| Late Fee | Up to $29 |
Pros & Cons
Real credit card with crypto rewards
3% dining is competitive
60+ crypto choices
No annual fee
Crypto rewards are volatile
No sign-up bonus currently
1% base is average
Gemini account required
The Bottom Line
The Good: The Gemini Credit Card stands out for its real credit card with crypto rewards. The welcome bonus worth $100 adds significant first-year value. No foreign transaction fees make it a strong pick for international spending.
The Not So Good: Crypto rewards are volatile.
Our Verdict: The Gemini Credit Card scores 6/10 — a solid option for people who want a real credit card that earns crypto. With no annual fee, there's no risk in trying it.
Frequently Asked Questions
What is the annual fee for the Gemini Credit Card?▾
The Gemini Credit Card has no annual fee — you'll never be charged just for keeping the card open.
What is the sign-up bonus for the Gemini Credit Card?▾
The Gemini Credit Card currently offers a sign-up bonus worth approximately $100. $100 in Bitcoin after spending $1,000 in 30 days Terms apply — always verify the current offer directly with the issuer.
How do the rewards work on the Gemini Credit Card?▾
The Gemini Credit Card earns 1x points on all purchases, and up to 3x points in select bonus categories. Points can be redeemed for travel, cash back, gift cards, and more.
What credit score do I need for the Gemini Credit Card?▾
The Gemini Credit Card is recommended for applicants with good (670-749) credit. Approval is not guaranteed and depends on your full credit profile.
Does the Gemini Credit Card charge a foreign transaction fee?▾
No — the Gemini Credit Card has no foreign transaction fees, making it a solid choice for international purchases and travel abroad.
What is the APR on the Gemini Credit Card?▾
The Gemini Credit Card has a variable purchase APR of 19.49% – 29.49%. If you carry a balance, interest charges can quickly outweigh any rewards earned.
Who is the Gemini Credit Card best for?▾
The Gemini Credit Card is best for People who want a real credit card that earns crypto. A key advantage: real credit card with crypto rewards.
Customer Reviews
3.7
1,890 reviews
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Industry Ratings
3.5/5 avg
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3.5
Ratings from independent review sites. CardCompare is not affiliated with these sources.