Gemini Credit Card
Gemini Credit Card is a crypto card issued on Mastercard, rated 7.4/10 in our latest review. Below: what it costs and what it demands, the tiers the issuer publishes, and how the card cleared our live checkouts.
Gemini Credit Card is the strongest fit for app store / play and free issuance, and asks for ID + proof at signup — we carry it at low (regulated bank-issued true credit card; APR 18.49–34.74%; US-only) risk. Treat the fee rows as the deciding factor: a card that clears reliably but charges on every top-up costs more than its rating suggests.
Profile
| Issuer / category | Gemini Credit Card · Crypto Card |
| Official site | https://gemini.com/credit-card |
| Best for | App Store / Play · Free issuance |
| Network | Mastercard |
| Rating | 7.4/10 (3.5★, 596 data points) |
| Data quality | partial |
Costs and fees
| Card creation fee | Free |
| Top-up (deposit) fee | 0% |
| FX / conversion fee | 0% foreign transaction fee |
Verification and risk
| KYC required | yes ··· |
| Risk level | Low ··· |
| 3-D Secure | yes |
Funding and limits
| Crypto top-up | yes ··· |
| Bank transfer | no |
| Alipay / WeChat Pay | no |
Billing
| Billing country | USA (all 50 states + Puerto Rico) |
Platform compatibility
| App Store / Google Play | yes |
What the issuer states on its own site
- 4% back on qualifying purchases is available on up to $300 in spend/month (then 1% on all other qualifying purchases that month).
- 10% Vault Rewards are available on up to a limited value in spend per month and varies depending on the merchant offer.
- All qualifying purchases under the 4% back category earn 4% back on up to $300 in spend per month (then 1% thereafter in that month).
Source: https://gemini.com/credit-card.
How it performed in our tests
| BIN range | Network | Issuing country | Type | Charges | Cleared | Clear rate |
|---|---|---|---|---|---|---|
| 257634 | Mastercard | United States | Debit | 169 | 118 | 69.8% |
We logged 118 cleared charges out of 169 attempts on 1 documented range for this brand. Counts include renewals, not just first charges.
Where to go next
Checkout guides built around this card
Category guides
Issuing country
Other Mastercard virtual cards
Frequently asked
What does Gemini Credit Card cost to run?
The cost lines stack like this: issuing the card is free; loading it carries no top-up fee; conversion is priced at 0% foreign transaction fee. Cash-out costs are what compound here, so weigh the recurring lines above the one-off fee.
Do I need to verify my identity for Gemini Credit Card?
Gemini Credit Card asks for ID + proof at signup. The check runs once when the account opens, not on each charge, and the issuer's own wording is: yes (full KYC - government ID, SSN, selfie/liveness; hard credit inquiry)
How can I fund Gemini Credit Card?
You can fund it with crypto (rewards paid in BTC, ETH, USDC, SOL + 70 tokens; card does not accept crypto top-ups). Pick the one you can top up cheaply and repeatedly, because the load fee is charged every time.
Which billing address does Gemini Credit Card need?
Setting it up: cards are issued against USA (all 50 states + Puerto Rico). Copy the address the issuer generates rather than retyping it. A transposed digit is the most common reason a working range starts failing.
Does Gemini Credit Card work for subscriptions and AI tools?
We recorded successful charges for the App Store and Google Play. Where a card passes on one merchant and fails on another, the difference is usually the processor and the 3-D Secure setting rather than the card itself.
Will Gemini Credit Card trigger 3-D Secure?
Yes. Gemini Credit Card supports 3-D Secure, so expect a step-up prompt on larger or first-time charges. An OTP you can complete is fine; a challenge that never arrives is what kills the order, so keep the issuer app open at checkout.
How VCCFinder tests
VCCFinder buys cards at retail and charges them on live checkouts, then publishes the clear rate and decline reasons next to each range. Where a card declined, the reason sits on its BIN page rather than in a footnote here.