Eligible residents across all 50 US states
Key Profile Facts (Categorized)
Fee & Exchange Rate Structure
- Public Fee Summary
- No monthly fee, $0 annual fee ($0 Annual Fee); 0% foreign exchange and cross-border transaction fee (0% Foreign Transaction Fee); cash advance fee of 3% or $10 (whichever is greater).
- Debit / Deduction Model
- Genuine revolving credit card: Credit limit underwriting and clearing provided by WebBank, with instant crypto rewards settled upon swipe
Application Eligibility & KYC
- KYC Identity Verification
- KYC required. Open exclusively to compliant tax residents of all 50 US states; requires a US Social Security Number (SSN) and undergoes a rigorous personal credit history inquiry (Hard Credit Check).
- Officially supported countries and regions
- Eligible residents across all 50 US states
Payment Compatibility & Issuer Rails
- Card Network & Rails
- Mastercard (Mastercard World Elite metal physical card and virtual card, supporting Apple Pay and Google Pay)
- Issuer Arrangement / Payment Rails
- WebBank (FDIC member bank) and Gemini. Card BIN is not publicly disclosed; this page does not speculate on specific BINs.
- Apple Pay / Google Pay
- Official native support for Apple Pay, enabling one-click provisioning to iPhone and Apple Watch for contactless payments.
- Overseas AI Subscriptions
- Tier-1 US bank prime credit BIN, smoothly supporting 100% friction-free subscriptions to ChatGPT Plus, Claude Pro, Midjourney, and all overseas services.
Spending Rewards & Cardholder Perks
- Cashback & Reward Rules
- Real-time crypto cashback: 4% on gas, EV charging and transit (on the first $300 of eligible spending each month, then 1% for the rest of that month), 3% on dining, 2% on groceries and 1% on everything else, credited instantly in BTC, ETH, SOL and 40+ other tokens. The 4% cap is $300 of spending per month, not $200 of rewards per year.
This is a summary of the cited public information, not a complete list of fees or regions and not a guarantee of approval or card access.
Detailed Facts
- A Genuine, Fully Regulated Revolving Credit Card
- Not a prepaid or secured debit card; a genuine revolving credit line opened directly by FDIC-member WebBank, helping cardholders build their US credit history (FICO score). [1] [2]
- 0% FX Fees & $0 Annual Fee Premium World Elite Card
- Rarely offers permanent $0 annual fees and zero foreign transaction fees (0% FX) for a premium World Elite product, eliminating currency markup friction during global travel and business trips. [1]
- Instant-Settlement Cryptocurrency Rewards
- Transaction authorization immediately triggers crypto reward disbursement, completely eliminating the monthly statement delays, voucher redemptions, and point-devaluation risks of traditional credit cards. [1]
- How the 4% monthly cap works
- The official page limits the 4% to the first $300 of eligible spending each month, with anything beyond that earning 1% for the rest of the month and the cap resetting the following month. The record said "up to $200 of rewards per year", which mistook a spending cap for a reward cap — different in both unit and period. [1]
Issuing, mobile wallets and AI subscriptions
- Card network listed in the comparison source
- Mastercard World Elite
- Issuer arrangement / BIN
- WebBank (FDIC member bank) and Gemini. Card BIN is not publicly disclosed; this page does not speculate on specific BINs.
- Apple Pay
- ✅ Explicitly stated in official materials: Official native support for Apple Pay, enabling one-click provisioning to iPhone and Apple Watch for contactless payments.
- Google Pay
- ✅ Explicitly stated in official materials: Official native support for Google Wallet, supporting global contactless POS tap-to-pay.
- AI subscriptions such as ChatGPT and Claude
- ✅ Explicitly stated in official materials: Tier-1 US bank prime credit BIN, smoothly supporting 100% friction-free subscriptions to ChatGPT Plus, Claude Pro, Midjourney, and all overseas services.
Compatibility information for this card was verified on 2026-10-23 against the sources listed on the card profile; undisclosed items are marked "Not stated officially". Status symbols preserve source statements; "Not stated officially" does not mean unsupported, and community reports do not guarantee stable availability.
See the full comparison of 230 cards · Use BIN & Issuer Inspector
Mobile Apps & Privacy Compliance
Independent verification of mobile client presence, global app store availability, privacy disclosures, and account deletion / data erasure rights.Mobile Clients & Official Download Channels
- Client App
- Gemini Markets: Trade It All (Gemini Trust Company, LLC)
- Web Portal Support
- Full Web Portal (Cards Supported) — Web portal exchange.gemini.com supports account login; credit card statements and payments can be viewed online at creditcard.exchange.gemini.com, or managed within the app
- Apple App Store
-
App Store Official Download ↗ Excludes Mainland China; Missing key markets: Macau, Malaysia, Thailand, Philippines, Indonesia, Japan, India, UAE, Saudi Arabia, Germany, Netherlands, Nigeria
- Google Play
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▶ Google Play Official Download ↗ Missing key markets: Indonesia
Data Compliance, Privacy Labels & Account Erasure
- Regulations & Rights
-
Explicit GDPR Compliance
Gemini Privacy Policy (2026-05-11): covers Gemini Trust Company and regional subsidiaries, with Section 13 dedicated to jurisdiction-specific disclosures; invokes GDPR for EEA/UK users (cross-border transfers include Article 49(1)(f) derogations), listing rights to access, rectification, erasure, restriction, objection, portability, and withdrawal of consent, alongside complaint channels for the EEA, Switzerland, UK, Australia, the Philippines, and Brazil; requests may be sent to privacy@gemini.com, with DPO email at DPO@gemini.com; collects biometric data such as facial geometry for identity verification; retail and credit card customers are additionally subject to the Consumer Privacy Notice (US GLBA)
- Official Privacy Policy
- Official Privacy Policy ↗
- Data Retention
- Retained for the duration necessary to provide services, fulfill legitimate business purposes, and comply with legal and regulatory obligations; following account closure, data is retained for fraud monitoring, tax, accounting, and financial reporting obligations
- App Store Privacy Label
- No tracking data; Linked to you: 6 categories; Not linked to you: 0 categories
- Google Play Data Safety
- Shared with 3rd parties: App activity, App info and performance, Device or other IDs, Financial info, Personal info, Photos and videos; Collects 6 categories; Deletion can be requested; Data encrypted in transit
- Account Deletion Flow
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Self-service account closure available: via web at Profile Settings > Account Closure > Close account and enter CLOSE, or in the app under Account > Preferences and enter CLOSE; following closure, data is retained per legal and regulatory requirements; Google Play notes deletion can be requested
Verified on 2026-10-18. App store availability and privacy disclosures are independently verified from official developer stores and privacy policies; store availability may vary dynamically by region.
A Benchmark Fusion of Prime Traditional Finance and Digital Assets
The Gemini Credit Card is one of the most mature and thoroughly compliant crypto credit cards on the market, seamlessly combining premium rewards with long-term dollar-cost averaging into digital assets. [1] [2]
Application Requirements and US Credit Underwriting
Applicants must possess an established US credit history (generally recommended FICO 670+) and must be legal US residents, making it unavailable to non-US offshore users. [1]
Frequently asked questions
Does the Gemini Credit Card have an annual fee?
No. The card has a permanent $0 annual fee ($0 Annual Fee) and charges zero foreign transaction fees on international purchases (0% FX).
Is the crypto cashback paid out instantly?
Yes. As soon as a transaction is approved, the corresponding cryptocurrency rewards (such as Bitcoin or Ethereum) are instantly credited to the user’s Gemini spot account at real-time market prices.
Will applying affect my credit score?
Yes. Submitting an application will trigger a hard pull credit inquiry with US credit bureaus.
📜 Rules & Fee Changelog History
Continuous Tracking · Historical Evidence BaseCommunity posts
The following public X posts were selected based on whether the original is accessible and how specific the information is. They reflect personal experiences or third-party observations, not official commitments, and do not replace the official sources on this page.
No public post has yet met our criteria for specific experience details and an accessible original link. You can browse public discussion of Gemini Credit Card on X; search results may change over time.
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