Gemini Card

#14 (out of 51) in Crypto Cards
#2 (out of 11) in Crypto Cards for North America
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6.9
Overall Rating
CRITERIA:
Company Strength
4.5
Fee Structure
8
Customer Service
8.2
PROS:
  • Rewards awarded in crypto, at the time of purchase (not a month later)
  • No monthly fees, no foreign exchange fees, no inactivity fees
CONS:
  • No 3D feature
  • High Interest Rate (though if you pay back on time, there isn't much else they will charge you for)
Visa or MC
Debit or Credit

Credit Card

Denominated In$ USD
Apple PayEnabled
Monthly Fee

0.00 USD

Monthly Inactivity Fee

0.00 USD

Interest Rate

17.99 – 29.99%

Crypto to USD Crypto->USD Conversion Cost

~1.74%

Highest Cashback

up to 3%

Entry-Level Cashback

3%

Entry-Level Cashback Monthly Cap

750 USD

Daily Spending Limit

25,000 USD

Daily ATM Withdrawal Limit

1,000 USD

Foreign Exchange Fee

0%

Crypto to Fiat Conversion

Manual when Repaying

Crypto Asset Management

Custodial (stores crypto keys on your behalf)

Supported Countries
Supported CryptocurrenciesAAVEAMPANKRAPEAPI3AVAXAXSBATBCHBTCCHZCOMPCRVCTXCUBEDAIDOGEDOTELONENJETHFETFILFTMGRTGUSDLINKLPTLRCLTCMANAMASKMATICMKROXTPAXGQNTQRDORENSANDSHIBSKLSNXSOLSTORJSUSHIUMAUNIUSDCXTZYFIZECZRXShow All (53)

Gemini Card Benefits and Rewards

  • 10% crypto back on Gas at the Pump and Electric Vehicle Charging Stations (EV) spending up to $200 a month. After $200 (up to a total spend of $2400 over the whole promotional period), the rewards rate is 1%.

The unused monthly limit does not roll over to the next month. Non-gasoline purchases at gas stations are not eligible for the promotional rate.

  • 3% crypto back on Dining, which includes traditional restaurants, bars, nightclubs, and fast food establishments.
  • 2% crypto back on Groceries at traditional grocery stores and specialty food stores. Excludes wholesale clubs like Costco and Sam’s Club, and specialty shops like candy stores and bakeries.
  • 1% crypto back on all other qualifying purchase transactions.

Certain merchants like Costco, Sam’s Club, Walmart, Target, or delivery services like Uber Eats, may not have a merchant code in the grocery category. As a result, purchases at these merchants would not qualify for rewards in the grocery category. Purchases at places such as gas stations, which might include groceries but are categorized under a different merchant code, will not qualify for the grocery rewards rate.

Reality CheckAlthough other cards may advertise higher cashback rates, entry-level users with 1,000 USD in assets typically receive much lower cashback rates from those cards. When compared at the entry-level tier, Gemini Card's 3% cashback offers more value:

Gemini CardIndustry Average1
Entry Level Cashback3%1%
Entry Level Cashback Monthly Cap750 USD400 USD

Gemini Card is a Credit Card

  • Debit Card
  • Credit Card
  • Prepaid Card
  • No Bank Account Offered

Gemini Card acts like a traditional credit card, and has an Interest Rate of 17.99 - 29.99%. You will not need to convert your crypto in advance, nor when spending using the card. The time you will be converting your crypto to real-life currency is when you'll be paying off the card at the end of the month.

It should be noted that Gemini doesn't offer a bank account with this card, as some crypto cards do, which means you won't be able to receive third-party payments, like fiat withdrawals from exchanges, for example.

It Comes in Both Physical and Virtual Forms

You can get Gemini Card in both physical and virtual versions, a feature only available with 40% of crypto cards. They'll mail you the physical card, and you can instantly get the virtual card online after completing KYC Identity Verification.

Wondering about the perks of each card type? Here are some highlights:

Physical Card
Virtual Card
ATM WithdrawalsSecond Card Number
Required for Car Rentals, HotelsInstant Availability
Useful When Phone Dies, or no WifiFreeze for Safety
Backup Payment MethodSet Lower Spend Limits

You will find the physical Gemini Card useful for in-person purchases, while the virtual card will be perfect for online transactions like subscriptions.

Crypto-to-USD Conversion Cost with Gemini Card

Gemini Card Doesn't Require Crypto Conversion to USD

With Gemini Card, you will not need to convert your crypto in advance, nor when spending using the card. Since this is a credit card, your crypto will be used as collateral only. The time you will likely convert your crypto to real-life currency is when you'll be paying off the card at the end of the month.

Crypto
Crypto to Fiat Conversion Fee1.49%
Sell Spread~0.25%
Transaction Fee
0%
Total Crypto to USD Cost~1.74%
USD

Reality Check:Compared to the average ~1.7% crypto-to-fiat cost of other cards, converting crypto with Gemini Card will cost you about the same (~1.74%).

From all crypto cards we reviewed for North America, Crypto.com Card, Shakepay Card and Netcoins Card offer the cheapest crypto-to-fiat conversions (~0.75%, ~0.75% and ~1.1% respectively), while converting crypto with Coinbase Card will cost you the most, ~4%.

How Does Gemini Card Compare to Other Crypto Cards?

Gemini Card ranks #14 out of 51 amongst all the crypto cards we have reviewed so far. This means it's in the Top 30%.

We compared Gemini Card with 10 similar crypto cards, available for the same geographical region. See the resulting pros and cons below.

Strongest Features Against Competitors

Here are the strongest features of Gemini Card against its 10 competitors:

  • Offers up to 750 USD per month in cashback for entry-level users (exceeding the competitors' 400 USD average).
  • Has a Foreign Exchange Fee of 0% (other cards have 1.5% average).
  • Offers a generous 25,000 USD daily spend limit (other cards offer 11,500 USD limit on average).
  • Supports 53 cryptocurrencies (while other cards support an average of 30).
  • Their customer service is very good with a 8.2/10 score (others score only 5.8/10 on average).
  • You can get both a physical card and a second virtual card (while 60% of competing crypto cards offer only one type - either physical or just virtual).
  • Their overall fee structure is incredibly budget-friendly, with a score of 8/10 (average fee structure rating amongst other cards is 6.4/10).
  • Available for residents of United States.

Gemini Card vs. Coinbase Card vs. Wealthsimple Card

Gemini Card
Coinbase Card
Wealthsimple Card
Monthly Fee 0.00 USD 0.00 USD 0.00 CAD
Crypto to Fiat Cost ~1.74% ~4% ~3%
Highest Cashback up to 3% up to 4% 1%
Entry-Level Cashback 3% 1% 1%
Daily Spending Limit 25,000 USD 2,500 USD 5,000 CAD
Daily ATM Limit 1,000 USD 1,000 USD 1,000 CAD
Foreign Exchange Fee 0% 2.49% 0%
Asset Management Custodial Custodial Custodial
Availability for United States flagUnited States
Supported Cryptocurrencies 53 235 57
Apple Pay Enabled Enabled Enabled
Customer Service Great Great Great
Company Strength Medium Strong Medium

If you plan to use your card for daily purchases, then daily spending limit is an important consideration for you. Gemini Card offers the highest daily spending limit of 25,000 CAD. You will get lower daily limits with Coinbase Card and Wealthsimple Card.

Cashback rewards are a great way to earn back some of the money you spend on your card and is an important consideration as well. Out of the three, Coinbase Card offers the best cashback rewards of up to 4%. The cashback rewards for Gemini Card and Wealthsimple Card are not as high.

To make a good choice, look through all features, as it is an individual choice. If you will mostly do online transactions with this card, then Apple Pay availability may not be a very important feature for you. If you travel a lot, foreign exchange rate will matter. And so on.

Gemini Card ATM Fees: The Real Cost of Cashing Out

Local ATM Withdrawals in USD

Here's a breakdown of the fees you'll face when making local ATM withdrawals with your Gemini Card:

You're at a local ATM and have:
0.0577 ETH (200 USD)
-3.48 USD
Gemini Crypto-to-Fiat Conversion Cost: ~1.74%
-10 USD
Gemini ATM Withdrawal Fee: 3%, min 10 USD
-3 USD
ATM Operator Fee: ~3 USD
183.52 USD

Starting with an initial amount of 200 USD in ETH, the ATM withdrawal with Gemini Card will cost you a total of ~16.48 USD (8.2% of 200 USD), resulting in a final cash withdrawal of 183.52 USD in hand.

We Tested Gemini's Customer Support

We asked Gemini's customer support different questions, and then rated their responses to evaluate how good their support is.

Why should you Care:When you'll have a money-related question, like a missing deposit or being overcharged - having good support at that moment will be crucial for you.

Gemini offers support via the following channels:

Emailsupport@gemini.com
Phone+1 (877) 725-1116
Web Formhttps://support.gemini.com/hc/en-us/requests/new
Twitterhttps://twitter.com/GeminiSupport
Reddithttps://www.reddit.com/user/Gemini-Support/

Location: Gemini customer service reps are located in United States flagUnited States and United Kingdom flagUnited Kingdom.¹

Support Channel Our Interaction Score
Email
(replied in
9 h 3 min)
Replied the same day, with a reassuring, detailed response to a security related question. Encouraged to use phone support.
High Competence
Not Personalized
Flawless English, Professional Tone
9/10
Web Form
(replied in
3 d 22 h )
Replied to a question about 3D authentication, with a concise and to the point response.
Late Reply
High Competence
Somewhat Personalized
Flawless English, Professional Tone
7.5/10
Email
(replied in
13 h 18 min)
Personalized, friendly response to a question about change of address.
High Competence
Highly Personalized
Flawless English, Professional Tone
10/10
Twitter
(replied in
11 h 40 min)
Didn't answer the question, gave exchange link rather than linking to a relevant FAQ page.
Low Competence
Not Personalized
Flawless English, Professional Tone
4.5/10
Email
(replied in
3 h 4 min)
Attentive and caring response to a question about using different currencies. Great, informative reply.
High Competence
Highly Personalized
Flawless English, Professional Tone
10/10

To summarize,

Competence and Problem-Solving: More often than not, Gemini's customer service responses are highly competent, proving they're a company that takes your questions seriously.

Customer Love: Their responses will be personalized when they need to look up specific information from your account, although they may not always address you by name.

Reply Speed: Response times are inconsistent, ranging from as quick as 3 hours to as slow as 4 days.

Overall Customer Service Rating: 8.2/10

This excellent score places Gemini's Customer Service well above the crypto card industry average of 7.5/10.

Gemini Promo Code - to Get 15 USD Bonus

You can use promo code g7mdadmux to get 15 USD bonus when you create an account on Gemini platform.

Here's how you can enter the promo code:

Gemini promo code

..or, just click here.

Your bonus will be paid out to you right after you trade your first 100$ in crypto.

p.s. Are we getting paid for referring you? Yes, and it helps us continue our mission. It's like you are buying us lunch 🍱 for all the hard work we've put into building this site. We really appreciate it. Thank you. 🙏🤗

Is Gemini Card Available for Residents of United States?

Yes, Gemini Card is available for residents of United States.

Gemini Card supports: United States.

To see our list of available crypto cards for United States, see this list. There are currently 9 cards listed there.

You may also be interested in this article: Crypto Cards for USA: The Best Options for Americans.

Splendid. What's My Next Step?

Paulina Masson

Paulina Masson

Paulina has a strong background in finance and cryptocurrency. She's been involved with crypto since its early days and has observed its progression over the years. Notably, she possesses expertise in various crypto products, having personally tested and evaluated many of them. In her spare time, she is developing a crypto bot designed to automatically trade on short timeframes.

⭑cryptonoshi
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