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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...
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’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...
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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.
4.25
$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.
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 Snapshot
Welcome Bonus & Info
4% back on up to $200 in spend per month on gas and EV charging for a year (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
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.
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!
This all-purpose cash-back card offers great bonus categories, including bonus points for every purchase you make!
Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That's 6.5% on travel purchased through Chase Travel, 4.5% on dining and drugstores, and 3% on all other purchases.
Up to $300 cash back
$0
0% Intro APR for 15 months on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
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)
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
0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
5% back on travel purchased through Chase Travel
3% back on dining and drugstore purchases
1.5% back on all other purchases
No annual fee
Earn big on travel purchased through Chase Travel
Everyday bonus on dining and drugstores
Straightforward cash-back on all other purchases
Ability to pool points
Cons
3% foreign transaction fee
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 20.49% - 29.24%.
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 20.49% - 29.24%.
Foreign Transaction Fees: 3% of each transaction in U.S. dollars
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.
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.
This bonus value is an estimated valuation calculated by UP after analyzing redemption options, transfer partners, award availability and how much UP would pay to buy these points.
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