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Gemini · synced with issuer page
Gemini

Credit Card

Annual fee
$0
Network
mastercard
Type
personal
Prerequisite: Requires an active Gemini account. Not included in annual-fee or break-even math.

It earns up to 4% back in crypto on gas, EV charging, and transit (subject to a monthly spending cap), 3% on dining, 2% on groceries, and 1% on other eligible purchases.

See current offer See your savings
Gemini Credit Card

Heads up: Rates, fees, and welcome offers below are pulled directly from the issuer and refreshed continuously. Confirm final terms on the issuer site before applying.

Perqt Analysis

Three ways to value this card. Only one of them is yours.

01Published
$246

What the issuer advertises.

02Realistic
$0

Pays out with no hoops.

03Yours
Open your wallet

From your real spend and redemptions.

$246 of the advertised value — 100% — comes with strings attached.

Why Perqt says this
  • $246 advertised across 4 benefits.
  • $246 (100%) needs a booking, enrollment, or deadline.
  • Biggest credit — Instacart $10 Off Second Order, $120 — comes with conditions.
Better fit if
  • You'll actually use Instacart $10 Off Second Order.
  • 10× on the Internet’s Favorite Brands matches your spend.
Probably not if
  • You won't use Instacart $10 Off Second Order.
  • You'd forget monthly credits.
How Perqt calculates this

Earning rates

  • Everything else
    1×
    cash back
  • Top earn
    The Internet’s Favorite Brands
    available on up to a limited value in spend per month and varies depending on the merchant offer
    10×
    cash back
  • Gas, EV charging, transit, taxis & rideshare
    on up to $300 in spend per month (then 1% thereafter in that month)
    4×
    cash back
  • Groceries
    2×
    cash back

On-card benefits & credits

  • Instacart $10 Off Second Order
    $10
    /Monthly

    Get $10 off your second Instacart order each month. Promotion ends 1/31/2027.

  • Lyft Take 3, Get $5
    $5
    /Monthly

    Take three Lyft rides in a calendar month paid with this card to earn a $5 Lyft credit. Also save 10% on scheduled rides to or from U.S. airports. Offer ends 1/31/2027.

  • Peacock $3 Monthly Credit
    $3
    /Monthly

    $3.00 monthly statement credit when you subscribe to a full-priced Peacock Premium or Premium Plus monthly plan directly from Peacock. Ends 12/31/2027.

  • Mastercard Transit Benefit
    $3
    /Monthly

    Receive a $2.50 statement credit when you spend $10 or more in a calendar month on contactless fares at participating transit systems. Ends 12/31/2027.

  • Mastercard Golf
    $0
    /As needed

    Exclusive PGA TOUR experiences and golf benefits through the Golf Concierge Service.

  • Priceless Experiences
    $0
    /As needed

    Experiences in culture, dining, sports, entertainment and more in over 45 destinations around the globe.

  • Priority Restaurant Access (Priceless Dining)
    $0
    /As needed

    Priority access to award-winning, hard-to-book restaurants and priceless experiences. Some dining benefits are fulfilled by a third party; book at priceless.com/culinary.

  • Mastercard Zero Liability
    $0
    /As needed

    Protection against unauthorized transactions in stores, online and in app. Conditions and exceptions apply.

  • Mastercard ID Theft Protection
    $0
    /As needed

    Monitors your credit file for fraud, sends alerts for suspicious activity and gives access to a resolution specialist. You must register for this service (provided by Iris Powered by Generali).

  • Global Emergency Services
    $0
    /As needed

    Call 1-800-MASTERCARD (1-800-627-8372) for 24/7 assistance to report a lost or stolen card.

  • Fast Track Airport Security
    $0
    /As needed

    Purchase discounted access to a dedicated security lane for you and your guests at select airports in 30+ countries outside the U.S. This is a paid service, not free access; enrollment may be required. Provided by DragonPass.

  • Taste by Priceless Airport Dining
    $0
    /As needed

    Airport dining club with chef-curated menus, now open at Hong Kong International Airport. Access is purchased for yourself and guests (for a fee).

  • Three Months of Instacart+
    $0
    /One-time

    New Instacart+ members can get three free months of Instacart+. Promotion ends 1/31/2027.

  • Mastercard Presale and Preferred Tickets
    $0
    /As needed

    Access to Presale and Preferred tickets for music and entertainment events, subject to availability. Valid through 12/31/2028.

  • Mastercard Travel Rewards
    $0
    /As needed

    Cash back rewards from select merchants when traveling internationally and shopping from home.

  • No Foreign Transaction Fees
    $0
    /As needed

    The card charges no foreign transaction fees on purchases made abroad.

  • Instant crypto reward deposits
    $0
    /As needed

    Eligible crypto rewards are deposited instantly; some exclusions apply, in which case rewards deposit when the transaction posts.

  • Choice of 50+ crypto reward currencies
    $0
    /As needed

    Choose Bitcoin or any of more than 50 supported cryptocurrencies for rewards, and change the selected cryptocurrency as often as desired.

  • Instant digital card access
    $0
    /One-time

    Approved applicants receive immediate access to a digital card and can add it to a mobile wallet for online, in-app, and point-of-sale purchases.

  • Priority Pass Lounge Access
    $0
    /As needed

    Access to 1,800+ airport lounges worldwide plus in-terminal dining, retail and spa offers. Mastercard notes fees and restrictions may apply, so lounge visits are not included free.

  • Mastercard Concierge
    $0
    /As needed

    Complimentary 24/7 concierge agent for lifestyle needs, travel bookings and event access.

Is the Gemini Credit Card right for your spend?

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