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The Bitcoin Credit Card™, powered by cryptocurrency exchange Gemini, offers cardholders the ability to earn bitcoin or other digital assets instantly1 on everyday purchases. By combining real‑time crypto reward deposits with a suite of Mastercard benefits, the card is designed for users who want to integrate bitcoin rewards into their daily spending without an annual fee.2

Instant Crypto Rewards

In general, the Bitcoin Credit Card™, a new variation of the Gemini Credit Card, functions the same way as any other credit card does. Users spend USD and can keep track of their spending using the app. With this card however, users earn bitcoin or other cryptos on all eligible purchases at the point of sale.

With the Bitcoin Credit Card™, cardholders earn:

• 4% back on gas, EV charging, transit, and ridesharing services3
• 3% back on dining out
• 2% back on groceries
• 1% back on all other purchases

Instead of having to wait for monthly cycles to complete in order to receive your rewards, Gemini deposits the crypto into your account immediately, meaning you can maximize the long-term growth potential of your rewards while continuing to accumulate bitcoin.

The card itself has a minimalist metal design in bitcoin orange, with sensitive user information such as card number and CVV stored within the Gemini mobile app. The app also allows users all of the normal quality of life features expected of modern credit cards. Users can easily freeze or unfreeze their card instantly, set spending alerts and implement transaction limits.

World Elite Mastercard Status

Gemini recently announced that Bitcoin Credit Card™ holders will be upgraded from World to World Elite Mastercard status, meaning that holders of the card have access to more benefits including concierge for travel and dining arrangements, delay insurance, Mastercard ID Theft Protection and more.

The upgrade strengthens the case of the card not being a niche product for crypto enthusiasts, but a lifestyle card for all kinds of users.

Enhanced Rewards on Golf

Another feature announced recently was the limited-time expansion of the rewards program for golf. Using the Bitcoin Credit Card™ now grants 10% crypto back on up to $250 in monthly spend on green fees for both public and private golf courses until the end of September 2025, after which it will revert back to the usual 1%.

Rewards That Grow

Unlike traditional credit, where rewards remain fixed in value, the Bitcoin Credit Card™ offers crypto rewards that can change in value over time. Once a purchase is made, the rewards earned are deposited instantly in the cardholder’s Gemini account and begin tracking the live market value of the token

According to Gemini’s own data, cardholders who earned bitcoin rewards between the card’s launch and April 7, 2024, and held those rewards through April 6, 2025, saw an average gain of more than 176% in the value of their rewards.4

For long-term crypto holders or those new to crypto, the card offers the ability to passively build a crypto portfolio, and allows spending to become a pathway to digital asset investments. It’s important to remember however that past performance does not guarantee future results, and the value of these rewards could also decrease.5

The Bottom Line

The Bitcoin Credit Card™ combines the convenience of traditional credit cards, with the future-focussed growth potential of bitcoin rewards. It offers instant crypto rewards on purchases without an annual fee, and allows cardholders access to Mastercard perks to enhance their everyday spending.

Regardless of whether the card is being used to plan a trip, or used in everyday spending, cardholders are able to fully leverage their spending to accumulate crypto rewards and adopt a passive accumulation strategy.

Apply for the Gemini Bitcoin Credit Card™ here and start earning up to 10% back in instant bitcoin rewards across all spending categories. See the full details here.

The Gemini Credit Card is issued by WebBank.

1 Some exclusions apply to instant rewards in which rewards are deposited when the transaction posts. Subject to Rewards Program Terms.

2 See Rates & Fees for more information rates, fees, and other cost information.

3 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.

4 Analysis reflects a subset of Gemini Cardholders from 10/08/2021 to 04/06/2025 who held Bitcoin rewards for at least one year. Individuals results will vary based on spending habits, selected crypto rewards, and market performance. Cryptocurrency values are highly volatile and may result in gains or lesses. This information is for general information purposes only and does not constitute investment advice. Past performance is not indicative of future results.

5 This is not investment or financial advice. Crypto involves risk including the complete loss of value of the underlying assets. Past performance of crypto does not guarantee future results.

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