by Daniel | Last Updated Feb 4th, 2025
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Imagine a credit card that doesn’t just give you points or miles, but actual cryptocurrency with every purchase you make.
Whether you’re already deep into the world of crypto or just curious about how to get started, the Gemini Credit Card might be the perfect fit for you. This card doesn’t just offer typical rewards—it opens the door to earning Bitcoin, Ethereum, and other leading cryptocurrencies effortlessly, simply by using it for your everyday spending.
And best of all, when you do receive crypto back after making a purchasing, your rewards are automatically deposited into your Gemini account.
So If you’ve been looking for an easy way to grow your crypto portfolio while managing your finances, stick around as I dive into how the Gemini Credit Card can turn your everyday purchases into digital assets.
What Exactly Is Gemini?
Now before I get in to the finer details about the Gemini Credit card lets take a quick look what Gemini actually is.
So Gemini is a well-known cryptocurrency exchange and custodian platform that allows users to buy, sell, and store digital assets such as Bitcoin, Ethereum, and many other cryptocurrencies. It is recognized for its strong emphasis on security, regulatory compliance, and providing a user-friendly experience for both beginner and advanced crypto traders.
They also offer the Gemini credit card which you learn more about in the review.
Who Founded Gemini?
Gemini was founded in 2014 by brothers Cameron and Tyler Winklevoss, who are prominent figures in the cryptocurrency space and were early Bitcoin adopters. The Winklevoss twins gained initial fame from their involvement in the early development of Facebook, but they have since become leading entrepreneurs in the cryptocurrency world.
Why Gemini Was Founded
The Winklevoss twins created Gemini to build a secure and regulated, platform for trading and storing cryptocurrencies. Their goal was to address the concerns of many potential crypto users about the safety and legitimacy of the space, particularly in light of high-profile hacks and regulatory issues surrounding other exchanges at the time.
By focusing on regulatory compliance, Gemini aimed to bridge the gap between the traditional financial system and the emerging world of cryptocurrency, making it more accessible to institutions and everyday users alike.
So Who Is The Gemini Credit Card Good For ?
Crypto Enthusiasts
If you’re already familiar with the crypto world and want an easy way to build your holdings without adding any additional steps, the Gemini credit card is ideal. Instead of the hassle of converting cash to crypto, you can earn rewards directly in your choice of digital currencies, making it a seamless experience.
Crypto Curious
For those new to the world of cryptocurrency, the Gemini Credit Card offers a simple entry point. You can start earning and learning about crypto with no need for deep technical knowledge. Plus, it’s a low-risk way to get involved, as you’re earning crypto instead of buying it outright.
Everyday Spenders
Even if you’re not into crypto yet, the Gemini Credit Card still provides solid value. With up to 4% back at gas stations and EV charging, 3% back on dining, 2% on groceries, and 1% on everything else, you can get excellent rewards on daily purchases. And as crypto continues grows in popularity, your rewards could potentially appreciate in value over time.
People Who Value Flexibility
Since you can choose which cryptocurrency you want to earn, this card allows for a personalized approach to your rewards. Whether you want to stick with Bitcoin, diversify with Ethereum, or try out something new, the flexibility makes this card appealing to a wide range of users.
This card is great for anyone looking to make their everyday spending work a little harder by earning assets that could potentially grow over time. Whether you’re passionate about crypto or just curious about what it can do for you, the Gemini Credit Card is a unique option to consider.
Annual Fee And Sign Up Bonus
Now from here, let’s take look at how much the annual fee will cost you each year and how valuable the sign-up bonus is.
So the Gemini Credit Card has no annual fee, making it an attractive option for those who want to earn crypto rewards without worrying about extra costs. This fee-free structure allows you to keep more of what you earn, making every rewards count towards your crypto portfolio.
As for the sign-up bonus, Gemini Credit Card’s current intro offer lets you earn a bonus of $200 in the crypto of your choice after spending $3,000 in the first 90 days. To qualify, applications need to be submitted and approved by June 30th, 2025.
You can learn more about the rates and fees associated with the Gemini Credit Card by clicking the See Rates & Fees link in the description below.
What Is The Gemini Cards Earning Potential?
Ok so we now need to look at the earning ability of the Gemini credit card.
And this is quite an important factor to consider when choosing any credit card.
Thankfully the Gemini Credit Card offers solid earning potential from quite a decent range of categories.
So here’s how the rewards break down:
4% on fuel and EV charging
If you have a car, whether it is electric or ICE, you can earn 4% back in your Crypto of choice up to $200 each month.
And with fuel and electricity prices being relatively high at the moment, it shouldn’t be to hard to reach the $200 cap.
3% back on dining
Then if you’re grabbing a quick bite to eat or enjoying a night out at a fancy restaurant, you’ll earn 3% in crypto on all dining purchases.
So if you do eat out a lot, you will be able to earn quite a substantial amount of crypto over the course of a year.
2% back on groceries
Now as with pretty much everyone, we all need to buy food from the grocery store, and with the Gemini credit card you will earn 2% back in crypto when shopping at grocery stores.
So if your like me and spend quiet a bit on groceries each week, you will have the opportunity to earn a decent amount of crypto back.
1% back on all other purchases
Then for everything else that you purchase using the Gemini credit card, you’ll be earning 1% in cryptocurrency.
So the beauty of the Gemini Credit Card is that there’s no limit on the amount of crypto you can earn, and your rewards are automatically deposited into your Gemini account in real time. This means you’ll immediately start benefiting from any potential growth in the value of your crypto.
Earning Potential Example
So to make it a little easier to understand, I’ll just walk you through a few examples of how much crypto you can earn by spending in some of these categories.
If you spend a total of $200 on fuel or EV charging during a month, (which is the cap for earning 4% back) you will earn $8 in Crypto each month at the 4% rate.
Then if you spend $500 a month on dining, you’ll earn $15 in crypto each month at the 3% rate.
If you spend $400 on groceries each month, that’s an additional $8 each month at the 2% rate.
Then for everything else that is purchased on the card, if you manage to spend $1,000, each month you’ll earn an additional $10 each month at the 1% rate.
So in total, with this example, you’d earn $41 in crypto rewards every month—or around $492 per year—just for making your usual purchases. And if the value of your chosen cryptocurrency rises, those rewards could grow even more.
What Are The Best Benefits And Perks?
So the Gemini Credit Card comes with a variety of different benefits and perks that helps it stand out, especially for those interested in cryptocurrency.
Here are some of the best features:
Wide Choice of Cryptocurrencies
Unlike some crypto reward programs that limit you to just Bitcoin, the Gemini Credit Card allows you to choose from over 50 different cryptocurrencies, including Ethereum, Litecoin, and more. Basically it allows you to diversify your crypto rewards portfolio to match your personal strategy.
Real-Time Rewards
Many rewards cards require you to wait for your points or cash back to be processed. With the Gemini Credit Card, your crypto rewards are deposited into your account instantly after making a purchase. This gives you the chance to benefit from potential price increases right away.
No Crypto Exchange Fees on Rewards
When you earn crypto rewards, there are no fees for converting your rewards into your chosen cryptocurrency. This means you’re getting the full value of your rewards without any hidden costs.
Flexibility to Use Rewards
You can choose to hold onto your crypto rewards, sell them, or convert them into another cryptocurrency through your Gemini account. The card offers the flexibility to manage your rewards however you like.
World MasterCard Benefits
As this is a World MasterCard, the Gemini Credit Card comes with additional perks, such as:
Cell phone protection
With cell phone protection it is possible to receive reimbursements for damage or theft of your phone as long as you pay your phone bill with the Gemini credit card.
This covers up to $600 per claim and a total of $1,000 per 12 month period.
And each claim has a $50 deductible fee.
Extended warranty protection
Then with extended warranty protection, if you purchase a new item with the Gemini card it is possible to receive up to 24 additional months of coverage as long as the item you purchased has an original manufacturers warranty of 24 months or less.
This coverage covers up to a total of $10,000.
Purchase protection
For items that are paid for entirely with the Gemini card you will receive Purchase Assurance that provides you with 90 days of coverage against theft or damage.
This covers up to a maximum of $1,000 per loss and a total of $25,000 per card, per 12 month period.
MasterRental Coverage
If you pay for a car rental for a duration of 15 days or less with the Gemini card and decline the optional collision/damage waiver that is offered by the rental agency you will receive MasterRental Coverage.
But just note that the car must has an MSRP of $50,000 or less to be valid.
Security Features
With the Gemini card, you also get features like zero-liability protection against unauthorized purchases, and instant access to the card via the Gemini app for mobile payments even before your physical card arrives.
Metal Card Design
The Gemini Credit Card comes in a sleek, metal design, available in three colors: rose gold, silver and black. So it not only offers unique crypto rewards but also a premium feel in your wallet.
Final Thoughts
Ok so that covers just about everything you need to know about the Gemini credit card, and as you can see, the card offers you the ability to earn a decent amount of value from your everyday purchases.
And if you lucky, the crypto you do earn back may well be worth substantially more in the future.
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And if you are interested in applying for the Gemini credit card you can apply for it here