The Gemini Credit Card® | Mastercard® World Elite
The Gemini Credit Card® | Mastercard® World Elite
The Bitcoin Credit Card™
The Gemini Credit Card is issued by WebBank.
The Gemini Credit Card®
Mastercard® World Elite
The Bitcoin Credit Card™
The Gemini Credit Card is issued by WebBank.
The Gemini Credit Card®
Meet the XRP Edition
Earn up to 4% XRP back on every purchase with no annual fee
Gas, EV
& Transit1
4%
Dining
3%
Groceries
2%
Everything else
1%
Issued by WebBank. See for more information regarding rates, fees, and other cost information.
Designed to stack
XRP on every swipe.
Spend Dollars,
Earn XRP2
⛽ $75 gas tank = .972 XRP
🛒 $200 groceries = 1.29 XRP
🥩 $300 dinner = 2.91 XRP
Your Credit Card Just Got
a Major Upgrade
$200 XRP bonus
Welcome bonus
Get $200 in XRP when you spend $3,000 in your first 90 days.3
Mastercard®
World Elite
Mastercard® monitors your account for unauthorized purchases and identity theft, ensuring you won’t be held liable and can stay focused on the perks. Learn more about .
$0
No annual fee4
No annual fee. Plus, no foreign transaction fees and no exchange fees to acquire your crypto rewards.
The Credit Card Designed to Grow
Your XRP Portfolio
XRP rewards earned on The Gemini Credit Card® and held for at least 1 year have appreciated an average of 452.9%
Analysis reflects Gemini Credit Card holders who earned XRP rewards between 10/08/2021 and 7/27/2024 and held all such rewards in their Gemini account through 07/27/2025. Calculation is based on XRP market value changes during the holding period. Individual results will vary depending on spend behavior, chosen rewards currency, holding duration, and market performance. Past performance is not indicative of future results. This information is for general informational purposes only and does not constitute investment advice.
Earn 10% Back on the Internet’s Favorite Brands.⁵
XRP Edition
Earn up to 4% on every purchase
Earn XRP, bitcoin, or 50+ crypto available on Gemini.
Rewards are instantly deposited⁶
Classic
Earn up to 4% on every purchase
Earn XRP, bitcoin, or 50+ crypto available on Gemini.
Rewards are instantly deposited⁶
Refer friends, earn up to $5,000 in XRP⁷
Frequently Asked questions
Who can apply for the Gemini Credit Card?
Residents in all 50 U.S. states and Puerto Rico will be eligible to apply (terms and restrictions will apply). Unfortunately, the Gemini Credit Card will not be available outside of the U.S.
Does the Gemini credit card work with Apple Pay, Google Pay and Samsung Pay digital wallets?
Yes, the Gemini Credit Card works with Apple Pay, Google Pay, and Samsung Pay.
What is my digital/virtual card?
Once verified, we will issue a digital version of your credit card. You can add this card to Apple Pay, Google Pay, and Samsung Pay or you can also use it for online purchases. To access your card details, log into your account and click on "Card details" to get your card account number, expiration date and security code. In order to keep your card safe and secure, we may require additional verification for you to access your virtual card.
How to Add an Authorized User
- Select “Add authorized users” in Card Settings
- Fill out the authorized user’s information (name, email, DOB)
- Send the invite
- Repeat for up to 5 authorized users on your account
Designed to stack
XRP on every swipe.
Spend Dollars, Earn XRP2
⛽ $75 gas tank = .972 XRP
🛒 $200 groceries = 1.29 XRP
🥩 $300 dinner = 2.91 XRP
Your Credit Card Just Got a Major Upgrade
$200 XRP bonus
Welcome bonus
Get $200 in XRP when you spend $3,000 in your first 90 days.3
Mastercard®
World Elite
Mastercard® monitors your account for unauthorized purchases and identity theft, ensuring you won’t be held liable and can stay focused on the perks. Learn more about .
No annual fee 4
No annual fee. Plus, no foreign transaction fees and no exchange fees to acquire your crypto rewards.
$0
Earn 10% Back on the Internet’s Favorite Brands.5
Same Card, Unique Design
The XRP card functionality remains the same as all current Gemini cards in the market - but with an innovative design for the XRP Army to show their allegiance. You can still earn bitcoin or 50+ cryptos back - and can swap them anytime
Classic
XRP Edition
Earn up to 4% on every purchase
Earn XRP, bitcoin, or 50+ cryptos available on Gemini
Rewards are instantly deposited⁶
Refer friends, earn up to $5,000 in XRP⁷
Frequently Asked questions
Who can apply for the Gemini Credit Card?
Residents in all 50 U.S. states and Puerto Rico will be eligible to apply (terms and restrictions will apply). Unfortunately, the Gemini Credit Card will not be available outside of the U.S.
Does the Gemini credit card work with Apple Pay, Google Pay and Samsung Pay digital wallets?
Yes, the Gemini Credit Card works with Apple Pay, Google Pay, and Samsung Pay.
What is my digital/virtual card?
Once verified, we will issue a digital version of your credit card. You can add this card to Apple Pay, Google Pay, and Samsung Pay or you can also use it for online purchases. To access your card details, log into your account and click on "Card details" to get your card account number, expiration date and security code. In order to keep your card safe and secure, we may require additional verification for you to access your virtual card.
How to Add an Authorized User
- Select “Add authorized users” in Card Settings
- Fill out the authorized user’s information (name, email, DOB)
- Send the invite
- Repeat for up to 5 authorized users on your account
Designed to stack
XRP on every swipe.
Spend Dollars, Earn XRP2
⛽ $75 gas tank = .972 XRP
🛒 $200 groceries = 1.29 XRP
🥩 $300 dinner = 2.91 XRP
Your Credit Card Just Got a Major Upgrade
$200 XRP bonus
Welcome bonus
Get $200 in XRP when you spend $3,000 in your first 90 days.3
Mastercard®
World Elite
Mastercard® monitors your account for unauthorized purchases and identity theft, ensuring you won’t be held liable and can stay focused on the perks. Learn more about .
$0
No annual fee4
No annual fee. Plus, no foreign transaction fees and no exchange fees to acquire your crypto rewards.
The Credit Card Designed to
Grow Your XRP Portfolio
XRP rewards earned on The Gemini Credit Card® and held for at
least 1 year have appreciated an average of 452.9%
Analysis reflects Gemini Credit Card holders who earned XRP rewards between 10/08/2021 and 7/27/2024 and held all such rewards in their Gemini account through 07/27/2025. Calculation is based on XRP market value changes during the holding period. Individual results will vary depending on spend behavior, chosen rewards currency, holding duration, and market performance. Past performance is not indicative of future results. This information is for general informational purposes only and does not constitute investment advice.
Earn 10% Back on the Internet’s Favorite Brands.⁵
Same card, Unique Design
The XRP card functionality remains the same as all current Gemini cards in the market - but with an innovative design for the XRP Army to show their allegiance. You can still earn bitcoin or 50+ cryptos back - and can swap them anytime
Classic
XRP Edition
Earn up to 4% on every purchase
Earn XRP, bitcoin, or 50+ cryptos available on Gemini
Rewards are instantly deposited⁶
Refer friends, earn up to $5,000 in XRP⁷
Frequently Asked questions
Who can apply for the Gemini Credit Card?
Residents in all 50 U.S. states and Puerto Rico will be eligible to apply (terms and restrictions will apply). Unfortunately, the Gemini Credit Card will not be available outside of the U.S.
Does the Gemini credit card work with Apple Pay, Google Pay and Samsung Pay digital wallets?
Yes, the Gemini Credit Card works with Apple Pay, Google Pay, and Samsung Pay.
What is my digital/virtual card?
Once verified, we will issue a digital version of your credit card. You can add this card to Apple Pay, Google Pay, and Samsung Pay or you can also use it for online purchases. To access your card details, log into your account and click on "Card details" to get your card account number, expiration date and security code. In order to keep your card safe and secure, we may require additional verification for you to access your virtual card.
How to Add an Authorized User
- Select “Add authorized users” in Card Settings
- Fill out the authorized user’s information (name, email, DOB)
- Send the invite
- Repeat for up to 5 authorized users on your account
The Gemini Credit Card is issued by WebBank.
1. 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). Spend cycle will refresh on the 1st of each calendar month.
2. XRP conversions shown are based on XRP prices and reward rates as of 08/18/2025. Product and reward images are for illustrative purposes only. Results will vary based on factors such as spending levels, selected rewards asset, holding period, market conditions, and timing. This information is for general informational purposes only and does not constitute investment advice. Past performance is not indicative of future results.
3. .
4. The standard variable APR for purchases will be between 17.24% - 29.24%, based on your creditworthiness. After that, your APR will vary with the market based on the Prime Rate. The standard variable APR for cash advances will be 30.24%. This APR will vary with the market based on the Prime Rate. The variable penalty APR is 34.24% and may be applied if you make a late payment or make a payment that is returned. Annual fee—None. Fee for foreign purchases—None. Cash advance fee—either $10 or 3% of the amount of each cash advance, whichever is greater. Late payment fee—up to $8. Returned payment fee—up to $35. Issued by WebBank. Subject to cardholder . Subject to .
5. 10% Vault Rewards are available on up to a limited value in spend per month and varies depending on the merchant offer. Subject to the Rewards Program Terms.
6. Some exclusions apply to instant rewards in which rewards are deposited when the transaction posts.
7. This offer is only available for the Credit Card Referral Program and .
Visit our for more information and additional FAQs.
