Gemini Credit Card™ vs Coinbase One Card
Key differences
- The Gemini card offers a $200 sign-up bonus after spending $3,000 in 90 days, while Coinbase One Card has no sign-up bonus.
- Coinbase One Card rewards rate (2-4%) increases based on assets held on Coinbase, while Gemini uses fixed category-based rates (4% gas/transit, 3% dining, 2% groceries, 1% everything else).
- Coinbase One Card requires an active Coinbase One membership ($4.99/month minimum), while Gemini has no membership requirement.
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Card Material
Stainless steel card made from 75% recycled material.
Available colors:
Black
Silver
Rose Gold
Bitcoin Orange
Special editions:
The Bitcoin Credit Card™
Solana Edition
XRP Edition
Stainless steel card engraved with the Bitcoin Genesis Block
Card Details
Card Type
Credit Card
Credit Card
Network
Mastercard® World Elite
American Express®
Annual Fee
$0 - No annual fee
$49.99/year (or $4.99/month) Coinbase One membership required
Rewards Details
Rewards Rate
Category-based rewards:
- 4%: Gas, EV charging, transit, taxis & rideshares (on up to $300 in spending per month, then 1% back thereafter in that month)
- 3%: Dining
- 2%: Groceries
- 1%: All other purchases
Monthly cap: 4% category capped at $300 in spend per month. Spend cycle refreshes on the 1st of each calendar month.
Tiered rewards based on assets held on Coinbase:
- 2%: Less than $10,000 in assets
- 2.5%: $10,000-$50,000 in assets
- 3%: $50,000-$200,000 in assets
- 4%: More than $200,000 in assets
For the 2.5%, 3% and 4% rates, rewards are capped at $10,000 in purchases per month. After that, the rate drops to 2%.
Rewards Type
Bitcoin or 50+ other cryptocurrencies available on Gemini. Easily change the crypto you want to earn, as often as you want.
Bitcoin (automatically deposited into Coinbase account after each purchase clears)
Sign-Up Bonus
None
None
Rewards Cap
Monthly cap: 4% category (gas, EV, transit) is capped at $300 in spend per month. After reaching the cap, the rate drops to 1% for remaining purchases in that category for the month. Spend cycle refreshes on the 1st of each calendar month.
Tiered Rewards & Monthly Cap:
- <$10k AOC: 2% back, uncapped
- $10k–$49,999 AOC: 2.5% on first $10k/mo, then 2%
- $50k–$199,999 AOC: 3% on first $10k/mo, then 2%
- $200k+ AOC: 4% on first $10k/mo, then 2%
How Rewards Work
Rewards are instantly deposited into your Gemini account. In some rare cases, rewards are deposited when the transaction posts. Some exclusions apply to instant rewards. Subject to Rewards Program Terms.
Bitcoin is automatically added to your Coinbase account after each purchase posts No claiming or conversion needed
Signing Up
Availability
USA only
USA only
Eligibility
Available to: U.S. residents (subject to credit approval)
Credit requirement: Good to Excellent credit recommended
Available to- Coinbase One members in the U.S. (excluding U.S. Territories)
Subject to: Creditworthiness and other eligibility criteria
Credit Check
Good to Excellent credit recommended
No credit score impact when you check to see if you are approved
Using The Card
Foreign Transaction Fees
$0 - No foreign transaction fees
$0 - No foreign transaction fees
Restrictions
Some exclusions apply to instant rewards in which rewards are deposited when the transaction posts. Subject to Rewards Program Terms. 10% Vault Rewards are available on up to a limited value in spend per month and varies depending on the merchant offer.
Not all transactions are eligible to earn bitcoin back, including:
- Cash equivalent transactions
- Gambling or betting transactions
Coinbase may, at its sole discretion, determine a transaction is not eligible and may deny, restrict, or claw back bitcoin rewards accordingly.
APR
Regular APR
18.74% - 34.74% Variable APR
No APR for purchases – This card is a debit-style card, not a traditional credit card. You spend your own funds from your Coinbase account, so there is no purchase interest or regular APR. If you use the optional crypto-backed loan feature, loan APRs start around 5%.
Intro APR
N/A - No intro APR for purchases or balance transfers
N/A – No introductory APR; card does not have a revolving credit line.
Additional Info
Official Site
Referral Program
Referral program: Earn $50 in crypto for each referral and an extra $250 bonus each time you make 5 referrals. Up to 50 referrals per year (up to $5,000 total). This offer is only available for the Credit Card Referral Program and Terms Apply.
Launched
October 2021
Fall 2025
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