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Quick Verdict
The crypto card offers several offers, making it an unmissable option to check before deciding on a credit card. However, the APRs are higher than others and offer no travel perks.
Coingape Review on Gemini Card
We found the Gemini card better than average because of the practical approach. It is offering discounts on groceries, dining, rides, and others. These are the things that are used regularly by everyone; thus, users will get to reap the benefits.
The penalty on late payments is higher than usual, also the APRs. In case the user fails to pay the credit card bills on time, charges would pile up. However, there are not many hidden charges except for crypto conversions.
- Numerous supported cryptocurrencies : Gemini cards support a wide range of cryptocurrencies. Cardholders can earn rewards in one crypto and then convert to another between transactions.
- Earn rewards while spending The credit cards offer huge discounts on a number of purchases, and Gemini cards are even more giving. A 4% discount on gas, EV, or transit, taxis, and rideshare. Another 3% is spent on groceries, and 2% on dining. These discounts are given intelligently on practical expenditures, whereas others offer rebates on superficial purchases. The rewards are given instantly and can be withdrawn at any time
- No extra charges : Another feature that makes the Gemini card popular among users is that there are no additional fees. Unlike many other cards, the Gemini Card does not charge an annual fee, transaction fees, or foreign exchange fees.
- Instant digital card : Once the approval of the credit card is received, the user can download the digital card from any of the Play Stores—Google or Apple Pay, and start using it.
- Needs Gemini account : To obtain a Gemini card, one must have a Gemini exchange account.
- High interest rates : In comparison to others, the card has high APRs and no options for lowering them.
- No travel benefits : The card provides no travel benefits, whereas others do, such as lounge access and perks for frequent travelers.
The Gemini Credit Card has mentioned many details about the fees on the home page of the official website. However, as is popularly known, there are other fees implied on credit cards as well that are not easily made available. We dug around the cardholder agreement and have found the following.
What happens when you don’t pay your Gemini credit card bill on time?
If you use your Gemini credit card to make a $1200 purchase and are unable to write off the bill within the same month, the charges are summarized below. The card would carry a purchase charge of 18.49% and 34.49%.
If this amount is carried forward for two consecutive months, the final bill will include a $35 late fee.
Other Costs or Charges
This is mainly in the fine print of every credit card offering company. We tried to find exact charges in the following segments.
Crypto conversion or slippage:
Although Gemini claims there are no fees associated with earning, there are 0.9% or 1% fees associated with selling or converting cryptocurrency rewards within the platform or through external wallets.
ATM withdrawals:
They are treated as cash advances, and charges will apply on use.
Security, Regulation, and Trust Signals
We have covered almost everything in the above-mentioned segments. Here, we will be discussing the security features, regulations, and where it stands on the trust score as per our understanding.
About the company
Founded in 2014, Gemini Trust Company LLC by Cameron and Tyler Winklevoss in New York. Gemini exchange, credit cards, and related services are run by the company.
Regulatory Compliance
Gemini is regulated by the New York State Department of Finance. It is also registered as a money services business (MSB) with the U.S. Financial Crimes Enforcement Network (FinCEN). The credit card is issued by WebBank in partnership with Mastercard.
Custody model
Gemini stores digital assets in cold storage, which is geographically distributed and has a sufficient air gap from the internet. These assets are segregated and auditable, separate from Gemini’s operational funds.
Insurance
The cold storage shows an insurance of $100+, but with no clear details.
Scams and Hacks
As for the card, no major complaints can be found. However, in 2023, the SEC charged Gemini for a program called Gemini Earn, which had nothing to do with credit cards. Gemini has received no complaints as of late 2025.
Trust Signals
In terms of credit cards, the company has a clear image. It has been systematically registered and insured, and its name has not appeared in any scams or hacks in recent years. According to our research, it is dent-free in terms of trust signals.
Final Words: Who Should Choose and Who Shouldn't ?
The card appears to be ideal for daily use, including household work. The Gemini card is ideal for those who want to save money on groceries or gas. However, if your travel itinerary is longer, the Gemini card will not help you in any way. It is critical to pay bills on time with a Gemini card because the late fee penalty is steep.
Alternatives of Gemini Card
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Our Review Methodology
We review crypto cards using a consistent framework focused on real-world use, fees, risk, and usability. Here’s a quick look at how each card is evaluated before it’s ranked.
1. Real-World Testing
We review crypto cards based on how they behave once you actually start using them. This includes onboarding, spending, settlement speed, and how balances and rewards update in practice.
2. Fees & Terms Checked
Fees, limits, FX costs, and reward rules are verified using official issuer terms and fee schedules. Temporary promotions or targeted offers are not included in scores.
3. Risk & Reliability
We look at custody setup, issuer background, regulatory signals, and past operational issues to understand where user risk really sits.
4. Independent Scoring
All cards are scored using the same framework. Rankings are not pay-to-play, and commercial relationships do not influence ratings.
