Gemini Credit Card
Earn Rates
| Category | Rate | True cash-back value |
|---|---|---|
| Gas | 4% | 4% |
| EV Charging | 4% | 4% |
| Transit | 4% | 4% |
| Dining | 3% | 3% |
| Groceries | 2% | 2% |
| Everything else | 1% | 1% |
True value converts point multipliers to dollars using MaxWorth point valuations. Issuer-portal-exclusive rates are excluded.
Protections (1)
Mastercard ID Theft Protection
Mastercard ID Theft Protection monitors the internet, including the dark web, for misuse of your personal data and provides 24/7 access to specialists who help resolve identity theft issues. Alerts are delivered by SMS and email. Enrollment through Mastercard may be required.
Other (3)
10% Merchant Partner Rewards
Earn 10% back in crypto on purchases at select rotating merchant partners (past partners include Peacock, Instacart, Alo Moves, ResortPass, Lyft and Booking.com). Monthly spending limits apply per partner and the partner lineup changes periodically — check the Gemini app for the current list and caps.
No Foreign Transaction Fees
No foreign transaction fees on purchases made outside the United States or in a foreign currency.
Instant Crypto Rewards
Rewards are paid in Bitcoin or your choice of 50+ cryptocurrencies and are deposited to your Gemini account instantly when the transaction posts, rather than at statement close. You choose which crypto to receive and can change it at any time.
Stop tracking this in a spreadsheet.
The MaxWorth app tracks all 4 Gemini Credit Card benefits automatically — redemption progress, reset dates and expiry alerts.