true-credit
Gemini Credit Card
Best for: category-based crypto rewards on a true credit card
A no-annual-fee Mastercard that earns instant crypto rewards on every purchase — 4% on gas, 3% on dining, 2% on groceries, and 1% on everything else. No staking required.
A
80/100
Overall Score
Visit issuer website for application details.
Score Breakdown
| Code | Criterion | Score | |
|---|---|---|---|
C-01 | Rewards Rate | 78 | |
C-02 | No FX Fees | 95 | |
C-03 | Crypto Custody | 80 | |
C-04 | Global Acceptance | 65 | |
C-05 | Sign-up Friction | 65 | |
C-06 | Annual Fee | 100 | |
C-07 | Crypto Cashback | 82 | |
| Overall Score | 80/100 | How we score → | |
Card Details
- Annual Fee
- $0 — None
- Rewards Type
- crypto
- Foreign Transaction Fee
- None
- Self-Custody
- No
- Global Acceptance
- Staking Required
- No staking required
- Min. Credit Score
- 670
- APR Range
- 18.99%–34.99%
Rewards Details
Earn instant crypto rewards on every purchase: 4% back on gas, EV charging, transit, taxis and rideshares (capped at $300 spend per month, then 1%); 3% on dining; 2% on groceries; 1% on all other purchases. Rewards are deposited instantly into your Gemini account in your chosen cryptocurrency — select from Bitcoin, Ethereum, or 50+ other cryptocurrencies. No annual fee, no foreign transaction fees, no exchange fees on rewards.
Market Availability
United States