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Gemini Credit: fees & cashback
Source: issuer help center, checked 04 Nov 2026.
CashbackUp to 4% (gas/EV/transit, $300/mo); 3% dining; 2% grocery; 1% other
FX / conversionNo foreign transaction fees
Annual feeNo annual fee
IssuanceFree
ATMCash advance: $10 or 3%, whichever is greater
RegionsUSA
Bonus: 4% back in BTC or 50+ cryptos
Note: US credit card; APR 16.49-34.49% variable; cash advance APR 29.49%
Tiers by plan
TierCashbackFXCapCost
Base1%0%
Source: issuer help center, checked 04 Nov 2026.
Questions answered
What cashback does Gemini Credit pay?
Up to 4% (gas/EV/transit, $300/mo); 3% dining; 2% grocery; 1% other
Does Gemini Credit charge a foreign exchange fee?
No foreign transaction fees Listed FX on non-USD spend: 0%.
What does Gemini Credit cost?
Annual fee: No annual fee. Issuance: Free.
Where is Gemini Credit available?
USA
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