CoinsOnCards

    Gemini Credit CardReview

    Custodial Mastercard credit card earning crypto rewards in a Gemini exchange account.

    4.0· Updated: Solana Edition and automatic staking for SOL rewards introduced (Oct 2025)
    Visit issuer
    Cashback
    Up to 4.0%
    Custody
    custodial
    KYC
    full
    Networks
    —
    Monthly fee
    Free
    Available in
    —

    The verdict

    Best for: US residents earning up to 4% back on gas and transit.

    Skip if: You want to spend crypto or live outside the United States.

    • Earns 4% on gas/transit up to $300 monthly spend, then 1%.
    • Choose from 50+ cryptos, with auto-staking for Solana (SOL).
    Get the Gemini Credit Card

    How it works

    • Card Network: Mastercard
    • Card Type: Credit
    • Card Material: Metal (Bitcoin orange, black, silver, or rose gold)
    • Security: No visible card number on physical card, Mastercard Zero Liability Protection, ID Theft Protection, instant card lock via app.
    • Mobile Wallets: Apple Pay, Google Pay, Samsung Pay.
    • Virtual Card: Available immediately upon approval.
    • Editions: Classic, XRP Edition, Solana Edition, and a Business Card option are available.

    Funding: No top-up required - standard credit card

    Borrowing terms

    Interest: APR (Purchases): 18.99%–34.99% variable; APR (Cash Advances): 29.99% variable; Penalty APR: 33.99% variable

    This is a credit card, not a crypto-backed loan product

    Custody & risk

    • If the issuer disappears
      If Gemini ceases operations, users may lose access to assets held on the exchange.
    • Counterparty risk
      Custodial model means Gemini holds all private keys for crypto rewards

    Crypto rewards are deposited directly into the user's Gemini exchange account. Gemini holds all private keys for the earned crypto assets. Users do not have direct control of the private keys.

    Protections

    • No visible card number on physical card
    • Card details stored securely in Gemini app
    • Mastercard Zero Liability Protection
    • ID Theft Protection included
    • Instant card lock functionality via app
    • Contactless-enabled EMV chip card

    Insurance & coverage: $125 million in digital asset insurance for certain losses (as of March 1, 2024), with coverage split between hot wallet and offline storage protections. Gemini Custody® provides additional security measures for qualifying assets.

    Limits

    notes
    4% category (gas, EV charging, transit & rideshares) capped at $300 monthly spend (4% on first $300, then 1% on other qualifying purchases that month)

    The good

    • 4% back on gas/transit up to $300/month.
    • Choose rewards from 50+ cryptocurrencies.
    • Automatic staking option for Solana (SOL) rewards.
    • Virtual card available instantly upon approval.

    The catches

    • 4% reward category capped at $300 monthly spend.
    • Merchant rewards can take up to 30 days to post.
    • Card may be closed if not activated in 60 days.

    Limitations

    • majorCannot be used for spending cryptocurrency - you can only earn crypto, not spend it
    • majorAvailable only to US residents (all 50 states and Puerto Rico)
    • moderateReported transaction declines especially with tap-to-pay functionality (anecdotal user reports)
    • moderateRewards caps on high-earning categories (4% gas/EV charging/transit category limited to $300 monthly spend)
    • moderateNumerous transaction types excluded from earning rewards
    • minorMerchant offer rewards can take up to 30 days to be applied
    • minorMinimum withdrawal fees can be prohibitive for small balances
    • minorPhysical card must be activated within 60 days or Gemini may close the card account

    Recent activity

    • August 25, 2025
      Gemini launches new XRP card
      Gemini launches new XRP Edition credit card

    What users say

    App Store
    4.8/5.0 (106,433 ratings)
    Google Play
    4.3/5.0 (53,159 ratings)
    Trustpilot
    1.5/5.0 (1,278 ratings)

    Mixed - excellent app store ratings but poor Trustpilot score

    Rating breakdown

    Net reward
    5.0
    Custody risk
    2.0
    Availability
    3.0
    User experience
    4.6
    Features & convenience
    4.5

    See our methodology for how we score each axis.