Gemini Credit Card

Gemini Card Fees

What You Should Know About Gemini Card Fees

Zero Annual & Foreign Fees: The card has no annual fee and no foreign transaction fees, making it cost-effective for international travel.
Instant Rewards: Crypto rewards (up to 4% on gas/EV, 3% on dining) are deposited into your Gemini account instantly at the time of the transaction.
Reward Caps: High-tier rewards are capped; for example, the 4% rate applies to the first $300 spent per month, reverting to 1% thereafter.
Selling Fees: While there are no exchange fees to receive rewards, standard Gemini trading fees apply when you later sell or convert those crypto rewards.

Gemini Credit Card Fee & Reward Structure (2026)

The Gemini Credit Card is a crypto-rewards credit card issued by WebBank. It stands out for having no annual fee and providing instant rewards in over 40+ cryptocurrencies.

1. Core Fees

Fee Type	Cost	Notes
Annual Fee	$0	No monthly or yearly maintenance fees.
Foreign Transaction Fee	0%	No fees for purchases made outside the US.
Crypto Exchange Fee	0%	No fees to receive your crypto rewards.
Cash Advance Fee	$10 or 3%	Whichever is greater (Standard credit terms).
Late Payment Fee	Up to $40	Standard penalty for missed payments.

2. Rewards Tiers

Rewards are earned instantly at the time of purchase and deposited into your Gemini account.

Category	Reward Rate	Limits
Gas & EV Charging	4% Back	On up to $300 spend/mo (then 1%).
Dining	3% Back	Unlimited.
Groceries	2% Back	Unlimited.
All Other Purchases	1% Back	Unlimited.

Instant Reward Estimator

Estimate how much crypto you could earn monthly based on your spending.

Gas ($):

Dining ($):

Groceries ($):

Other ($):

Monthly Reward Value: $0.00

Financial Responsibility: APRs range from 17.99% to 31.99% based on creditworthiness. Always pay your balance in full to avoid interest charges that far outweigh crypto rewards.