Advertiser Disclosure

Many of the credit card offers that appear on this site are from credit card companies from which we receive financial compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). However, the credit card information that we publish has been written and evaluated by experts who know these products inside out. We only recommend products we either use ourselves or endorse. This site does not include all credit card companies or all available credit card offers that are on the market. See our advertising policy here where we list advertisers that we work with, and how we make money. You can also review our credit card rating methodology.

Gemini Credit Card – Full Review

Jarrod West's image
Jarrod West
Jarrod West's image

Jarrod West

Senior Content Contributor

487 Published Articles 1 Edited Article

Countries Visited: 21U.S. States Visited: 24

Boasting a portfolio of over 20 cards, Jarrod has been an expert in the points and miles space for over 6 years. He earns and redeems over 1 million points per year and his work has been featured in o...
Edited by: Keri Stooksbury
Keri Stooksbury's image

Keri Stooksbury

Editor-in-Chief

52 Published Articles 3472 Edited Articles

Countries Visited: 50U.S. States Visited: 28

With years of experience in corporate marketing and as the executive director of the American Chamber of Commerce in Qatar, Keri is now editor-in-chief at UP, overseeing daily content operations and r...
& Kellie Jez
Kellie Jez's image

Kellie Jez

Director of Operations & Compliance

6 Published Articles 1237 Edited Articles

Countries Visited: 10U.S. States Visited: 20

Kellie’s professional experience has led her to a deep passion for compliance, data reporting, and process improvement. Kellie’s learned the ins and outs of the points and miles world and leads UP’s c...

We may be compensated when you click on product links, such as credit cards, from one or more of our advertising partners. Terms apply to the offers below. See our Advertising Policy for more about our partners, how we make money, and our rating methodology. Opinions and recommendations are ours alone.

Gemini Credit Card

Gemini Credit Card

U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
Star rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating icon4.25
Apply Now(at Gemini's secure site)
  • $0

  • 18.24% to 30.24% Variable

Gemini Credit Card

The Gemini card is a great option for crypto enthusiasts looking to add to their stack!

U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
Star rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating icon4.25
Apply Now(at Gemini's secure site)
Summary

The information regarding the Gemini Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer. 


Fans of cryptocurrency trading platform Gemini can now add a branded credit card to their wallets that allows them to earn crypto rewards in 1 of 40+ supported assets — in real-time — each time they swipe their card.

The ability to earn instant rewards on a card with no annual fee not only separates the Gemini Credit Card™ from other crypto rewards cards, but from all other rewards cards as well.

Card Details

Card Snapshot

Welcome Bonus & Info

  • 4% back on up to $200 in spend per month on gas and EV charging (then 1% on all other gas and EV charging purchases that month)
  • 3% back on dining, 2% back on groceries, 1% back on all other purchases
  • Rewards available in bitcoin, ether, or 40+ other cryptocurrencies
  • Change your crypto reward type at any time, as much as you like
  • Receive rewards when the transaction occurs
  • No annual fee
  • No foreign transaction fees
  • No exchange fees to acquire your rewards; fees may be incurred for selling or converting your crypto rewards
  • Your choice of a black, silver, or rose gold stainless-steel card, made from 75% recycled material
Pros & Cons

Pros

  • 4% back on up to $200 in spend per month on gas and EV charging (then 1% on all other gas and EV charging purchases that month)
  • 3% back on dining purchases
  • 2% back on grocery purchases
  • 1% back on all other purchases
  • Rewards are earned and deposited into your Gemini account in real-time
  • You can choose to earn your rewards in 1 of over 40+ supported assets on the Gemini platform
  • No annual fee
  • No foreign transaction fees

Cons

  • No welcome bonus

Upgraded Points: Expertise You Can Trust

Our seasoned and experienced team brings years of expertise in the credit card and travel sectors. Committed to integrity, we offer data-driven guides to help you find the card(s) that best fit your requirements. See details on our intensive editorial policies and card rating methodologies.

  • Content by Leading Industry Experts
  • Routine Updates and Fact-Checks
  • First-Hand Credit Card Experience
  • Shared Across 200+ Top Outlets
  • Methodical “U.P. Rating” System
  • 1090+ Expert Credit Card Guides

Great Card If

  • You already invest in crypto or want to passively invest in crypto
  • You spend a lot on dining and groceries
  • You already use the Gemini platform

Don’t Get If

  • You have no interest in investing in or earning crypto

The Ideal Cardholder

If you’re someone who has invested in cryptocurrencies and already uses the Gemini platform, then its branded credit card is probably a perfect fit for you.

Similarly, if you want to earn crypto rewards passively without putting up any of your own funds, adding a crypto rewards card like the Gemini card to your wallet may be a great idea.

Gemini Card Benefits

Choose Your Asset for Rewards

As you may know, there are many cryptocurrencies available on the market today. One great feature about the Gemini card is you can choose to receive rewards in any of the platform’s 40+ assets. This means you aren’t locked in to just earning Bitcoin — the most popular cryptocurrency — but can also choose to earn other top coins like Ethereum, Chain Link, Uniswap, Polygon, and much more. And, once you’ve selected an asset to earn for your rewards, you can always change to another whenever you’d like.

Earn Rewards in Real-Time

One standout feature of the Gemini card is that your crypto rewards are automatically and instantly deposited into your Gemini account as soon as you complete a purchase with your card.

Why is this beneficial? Well, virtually all other rewards cards require you to wait until the end of the month to receive your rewards. But even more importantly, having your rewards deposited into your account immediately allows you to benefit from any price appreciation that might take place over the coming days or weeks.

It also allows you to instantly trade with the rewards if you choose, or even deposit into your Gemini Earn account so you can immediately start earning interest on those rewards.

How To Use Your Crypto for Max Value

Trade

Gemini at its core is a trading platform, so you’ll naturally have the ability to instantly trade your rewards for one of the many other supported assets on the Gemini platform if you so choose.

Sell

Lastly, you can always sell your rewards for cash anytime you need a little extra dough, or if the USD value of your rewards has appreciated considerably and you want to lock in some profits.

How To Earn More Crypto

Dining Purchases

The most lucrative bonus category on the Gemini card is dining purchases, allowing you to earn 3% back in crypto. You’ll want to make the Gemini card your go-to for dining purchases — especially if you are someone who dines out often.

Grocery Purchases

You’ll also earn an uncapped 2% back on all grocery store purchases with the Gemini card. Given that groceries tend to represent a relatively large portion of one’s budget, this presents a great opportunity for you to earn additional crypto on each grocery run.

All Other Purchases

Finally, you’ll earn 1% back on all purchases outside of the above 2 categories. There are other cards out there that offer a better return than this on purchases in non-bonus categories, but if you’re trying to earn as much crypto as possible, this is a great way to do so.

Alternative Cards to the Gemini Card

Chase Freedom Unlimited®

INTRO OFFER
Chase Freedom Unlimited®
Star rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating icon
U.P. Rating 
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

This all-purpose cash-back card offers great bonus categories, including bonus points for every purchase you make!

Apply Now(at Chase's secure site)
This all-purpose cash-back card offers great bonus categories, including bonus points for every purchase you make!
Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
Up to $300 cash-back
$0
0% Intro APR for 15 months on purchases and balance transfers, then a variable APR of 19.74% - 28.49%.
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)
Why We Like This Card

The Chase Freedom Unlimited® is easily one of the best cash-back credit cards on the market. There aren’t many no-annual-fee credit cards that offer multiple great bonus categories like 5% back on travel purchased through Chase, 3% back on dining and drugstore purchases, and 1.5% back on all other purchases.

When paired with other Chase cards in the Ultimate Rewards family, you can transfer that cash back into points if you wish – making it one of the most lucrative cards in your wallet.

Pros & Cons
Pros
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 19.74% - 28.49%.
  • 5% back on travel purchased through Chase Travel℠
  • 3% back on dining and drugstore purchases
Cons
    • 3% foreign transaction fee
Card Highlights
  • INTRO OFFER: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
  • Enjoy 6.5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
  • After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase Travel℠, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
  • No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
  • Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 19.74% - 28.49%.
  • No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
  • Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
  • Member FDIC
Financial Snapshot
  • APR: 0% Intro APR for 15 months on purchases and balance transfers, then a variable APR of 19.74% - 28.49%.
  • Foreign Transaction Fees: 3% of each transaction in U.S. dollars
Rewards Center

Chase Ultimate Rewards

If you aren’t interested in crypto and are looking for a no-annual-fee card that earns flexible rewards, then perhaps the Freedom Unlimited card would suit you better. It earns 5% back on travel purchases through the Chase travel portal, 3% back on dining and drugstore purchases, and 1.5% back on all other purchases. Plus, your rewards can be redeemed as cash-back, travel, gift cards, and much more.

The information regarding the Gemini Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.

Frequently Asked Questions

Which cryptocurrencies can you earn with the Gemini card?

You can choose any of the 40+ supported assets on the Gemini platform in which to earn rewards, with the exception of GUSD (Gemini Dollars).

Once you choose an asset to earn your rewards in, can you change it?

Yes, you can change which asset you earn your rewards in whenever you want. There is no limit on the number of times you can change, or any sort of fees to do so.

Are crypto rewards taxable?

In most circumstances, the IRS considers credit card rewards, no matter how they are received, to be a rebate and not income. In which case, your crypto rewards should not be taxable. But if you were to sell your crypto rewards for a profit, then you would own any applicable capital gains taxes on that transaction. Be sure to contact your tax advisor for further information or details.

Do you need a Gemini account in order to get the Gemini card?

Yes, having a Gemini account is required as that is where your rewards will be deposited when you earn them.

Jarrod West's image

About Jarrod West

Boasting a portfolio of over 20 cards, Jarrod has been an expert in the points and miles space for over 6 years. He earns and redeems over 1 million points per year and his work has been featured in outlets like The New York Times.

DMCA.com Protection Status