Gemini Credit Card
Real-time crypto-back credit.
- Who holds it
- A licensed crypto-asset custodian holds the assets on your behalf — NYDFS trust.
- The ledger
- The custodian’s books, reconciled against on-chain balances.
- If it fails
- Recovery hinges on the custodian’s solvency and how cleanly client assets are segregated.
Derived from Gemini Credit Card’s regulation type and custody — a class of protection, not a guarantee. Limits and eligibility vary by scheme, balance and jurisdiction; confirm before you rely on it. What happens if a neobank shuts down →
The facts
| Category | hybrid |
| HQ | New York, US |
| Founded | 2014 |
| Custody | Custodial |
| Regulation type | VASP / MSB / crypto licenses |
| License detail | NYDFS trust |
| Card | MC · Credit |
| Cashback | Up to 4% BTC/ETH |
| Stablecoins | Yes |
| KYC | Yes |
| Active regions | North America |
| Countries | United States |
| Founders | Cameron & Tyler Winklevoss |
| Funding | Public (GEMI, 2025) |
Verified links: official site ↗ · terms ↗ · privacy ↗ · @Gemini ↗
Common questions about Gemini Credit Card
What is Gemini Credit Card?
Gemini Credit Card is a fiat-and-crypto neobank, headquartered in New York, US and founded in 2014. Your money is held custodially, so Gemini Credit Card or its partner bank holds the balance and you hold a claim on it. It holds VASP / MSB / crypto licenses (NYDFS trust).
Does Gemini Credit Card have a card, and where can you use it?
It issues a Mastercard credit card. It is available in North America.
Does Gemini Credit Card require KYC?
Yes. Gemini Credit Card requires identity verification (KYC) to open an account, as a vasp / msb / crypto licenses.
What does Gemini Credit Card cost?
From the verified fields: cashback Up to 4% BTC/ETH. Cashback and yield are "up to" figures that change constantly and often depend on a paid plan — confirm current terms with Gemini Credit Card before relying on them.
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Peers
Revolut · Cash App · Mogo · Venmo · Robinhood · Crypto.com
Gemini Credit Card appears in
Neobanks operating under crypto and money-transmitter licenses (25) · Neobanks available in North America (126) · Neobanks that issue a Mastercard (150) · Neobanks in United States (66)
Figures compiled from public sources, for comparison only — not financial advice. "Up to" rates change constantly; always confirm with the issuer. Spotted an error? Suggest a fix.