US credit
Credit · Mastercard50 US states
United StatesResidence supported; identity requirements apply
Apply nowFees and rewards
- Issuance
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No initial issue fee listed; one free replacement per 12 months
Further replacements in that period cost $50 each; issuance requires credit approval.
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assets.ctfassets.net - Ongoing fees
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$0 annual fee
No annual fee does not waive borrowing interest or cash-advance charges.
- Foreign currency
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No foreign transaction fee
Mastercard currency conversion applies; cash advances still incur fees and interest.
- Rewards & conditions
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4% gas/EV/transit, 3% dining, 2% groceries, 1% other eligible purchases
The 4% category applies to the first $300 each calendar month, then 1%. Merchant classification determines rewards, paid in selected crypto to Gemini. Cash advances excluded; merchant-specific Vault offers are separate.
- Funding / conversion
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Spend a credit line; no prepaid top-up
Repay the USD bill using a linked bank account or check; crypto deposits are not repayments.
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support.gemini.com - ATM withdrawals
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Yes： Yes Cash advance fee: 3%, minimum $10
Interest starts on the transaction date without a grace period. April 1, 2026 disclosure: variable APR 29.49% (Prime + 22.74%).
Spending and limits
- Card format
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Metal physical card plus a digital card with the same number
Activate the physical card in Card settings after delivery. Digital spending may be available earlier with restricted available credit.
- Apple Pay
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Yes Apple Pay supported
Add the issued digital card on a supported device and wallet.
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support.gemini.com - Google Pay
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Yes Google Pay supported
Samsung Pay is also supported for the digital card, subject to device and wallet requirements.
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support.gemini.com - Assets and funding
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USD credit purchases; repay from a bank account
Open Credit Card Dashboard → Make a payment and link a checking/savings account using ACH details, or mail a check. The help page excludes direct crypto and Gemini Exchange balance payments.
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support.gemini.com - Spending and withdrawal limits
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Personal credit limit is shown in approval email and monthly statements
Cash advances are limited to 10% of the credit limit and $1,000/day. Available credit may not recover until the next cycle or cleared funds; processing can take seven business days.
Application and account
- Residence / identity
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18+ residents of the 50 US states; identity and credit approval required
A Gemini Exchange account must also be approved. Prequalification is not approval; a full application triggers a hard credit inquiry. Non-US residents are not eligible.
- Application and activation
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Prequalify, then submit a full credit application
Start from the Gemini credit-card page. Prequalification has no score impact; the full application uses a hard inquiry. After approval and verification, access the digital card and activate the physical card when received.
- Custody
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Credit is issued by WebBank; rewards are held in Gemini
Purchases do not debit an onchain wallet or require crypto collateral. Rewards follow the platform account custody rules.
- Refunds, repayment and card controls
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Pay each statement in full to retain the purchase grace period
Payment is due at least 25 days after statement close. The two April 1, 2026 official documents disagree on the purchase APR floor: Rates & Fees lists 18.49%–34.49%, while the Cardholder Agreement lists 16.49%–34.49%, both variable with Prime. Neither floor is a promised approved rate; check the individual disclosure when applying. Regaining a lost grace period requires two consecutive full timely statement payments; cash advances have no grace period.
Below $25, pay the balance. Otherwise the minimum is the greater of $25 or 2.5% of the balance excluding interest, fees and Rewards Charges, plus those charges; add overdue and over-limit amounts. Read Minimum Payment Due on the statement.
Official noticeFirst late payment: up to $25; another within six cycles: up to $35. Returned payment: $25 first, $35 for repeats within six cycles, subject to agreement caps. Qualifying repeated lateness or returned payment may trigger variable penalty APR, disclosed as 33.49%.
Official notice Official noticeFor lawful personal/household spending, not business use. Lock the card in the app and contact card support for disputed transactions; billing-error rights are in agreement Exhibit B.
Official notice Official notice