Our verdict
Best US category cashback Availability is united states residents in eligible states, subject to credit approval.. The spreadsheet currently records free for recurring or annual fees and up to 4% (50+ cryptos) for rewards.
Rewards
Published reward: Up to 4% (50+ cryptos). Up to 4% (50+ cryptos)
Stablecoin yield
Spreadsheet value: —.
Stablecoin yield may be a separate provider product or balance feature. It is not guaranteed card cashback, and rates, eligible assets and regional terms can change.
Fees
| Annual / recurring | Free |
|---|---|
| FX | 0% FX |
| Conversion | Not publicly confirmed |
| ATM | Not publicly confirmed |
| Limits | Credit limit is assigned by the issuer after approval; account-specific. |
Apple Pay and Google Pay
Yes
Yes
A blank spreadsheet wallet field is shown as “Not publicly confirmed,” not “No.” Wallet support can vary by issuing region.
Custody and payment model
Custodial account. Card type: Credit. Identity checks: Full.
Availability
United States residents in eligible states, subject to credit approval.
Regional summary: US.
Pros and cons
Potential strengths
- + Best US category cashback
- + Official application route available
- + Product facts maintained in the Cards spreadsheet
Limitations
- − Eligibility varies by region
- − Rewards and rates can be conditional
- − Unknown fields require provider confirmation
Risks and detailed terms
Crypto conversion, custody, issuer, network, market and stablecoin risks may apply. Headline rewards and yields are not guaranteed for every user. Review the provider’s current fees, eligibility and cardholder terms before applying.
Official sources
- https://www.gemini.com/credit-card
- https://support.gemini.com/hc/en-us/categories/1260802420830-The-Gemini-Credit-Card
- https://www.gemini.com/legal/credit-card-referral-program-terms
Last verified in the spreadsheet: 2026-07-31