CryptoCardsPerks
Utorg Card
7.0/10
Ranked #30 of 76
Overview
The Gemini Card is a custodial crypto card aimed primarily at users in USA. It runs on the Mastercard network, so it's accepted anywhere Mastercard is, and supports Apple Pay and Google Pay for tap-to-spend. In our ranking it currently sits at #30 of 76 cards, with an overall score of 6.9 out of 10.
★ Gemini Card referral code
GEMINI9212
New users who sign up with this code typically get bonus cashback for your first 30 days. Rewards vary by region and are set by Gemini Card.
Rating breakdown
How the Gemini Card scores across the categories we weigh into its overall 6.9/10.
Fees & value7.2
Rewards7.3
Ease of use6.8
Security & custody6.9
Availability6.3
Cashback & rewards
Spending on the Gemini Card earns cashback, starting around 3% on the base tier. Higher rates are typically unlocked by staking the provider's token or moving up to a paid plan, and base-tier rewards are usually capped monthly. Here's how the tiers generally compare:
| Tier | Requirement | Cashback | Monthly cap |
|---|---|---|---|
| Starter | No stake required | 3% | ~30 / month |
| Plus | Token stake or paid plan | 5% | ~100 / month |
| Premium | Higher stake / top tier | 8% | Higher or uncapped |
Cashback is usually paid in the provider's token or in stablecoin. Exact rates, caps and the assets you can earn vary by region — confirm current numbers on the official site.
Fees & limits
A snapshot of the typical fee structure. Always verify the live figures before applying, as providers adjust these often.
| Fee | Typical amount |
|---|---|
| Monthly fee | $1.99 |
| Card issuance | $9.99 |
| Card spend (USD)Fee on purchases made in US dollars | 0% |
| FX fee (non-USD transactions)Charged when you spend in a currency other than USD | 1% |
| ATM withdrawals | 2% after free limit |
How to get the Gemini Card
- Download the Gemini Card app or open the provider's website.
- Create an account and complete KYC with a photo ID and selfie.
- Enter referral code GEMINI9212 during sign-up to claim any welcome perk.
- Top up your account with crypto or fiat, then order your physical card or start using the virtual card.
- Add the card to Apple Pay or Google Pay to tap and spend.
Pros & cons
Pros
- Earns up to 3% cashback on eligible spending
- Physical card available for in-store and ATM use
- Works with Apple Pay and Google Pay
Cons
- Custodial — funds are held by the provider
- Requires full KYC (government ID + selfie)
- Availability limited mainly to USA
Who it's for
Gemini Card suits people based in USA who want a straightforward way to spend crypto without managing wallets directly. Be ready to complete standard identity verification during signup.
Frequently asked questions
Does the Gemini Card offer cashback?
Yes. The Gemini Card pays cashback starting around 3% on the base tier, with higher rates available on upgraded or staked tiers. Base rewards are usually capped monthly.
Is the Gemini Card available in my country?
The Gemini Card is primarily available in USA. Check the provider's site for the current list of supported countries.
Does the Gemini Card require KYC?
Yes. The Gemini Card requires standard KYC — typically a government ID and a selfie — during sign-up.
Is the Gemini Card custodial or non-custodial?
The Gemini Card is custodial, meaning the provider holds your funds on your behalf.
What network does the Gemini Card run on?
The Gemini Card runs on the Mastercard network, so it's accepted wherever Mastercard is supported, and it works with Apple Pay and Google Pay.