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 is issued by WebBank. 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 is issued by WebBank. 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 is issued by WebBank. The Gemini Credit Card® The Gemini Credit Card® Meet the XRP Edition Earn up to 4% XRP back on every purchase with no annual fee Earn up to 4% XRP back on every purchase with no annual fee Earn up to 4% XRP back on every purchase with no annual fee Earn up to 4% XRP back on every purchase with no annual fee Gas, EV & Transit 1 Everything else Gas, EV & Transit 1 Everything else Issued by WebBank. See for more information regarding rates, fees, and other cost information. Issued by WebBank. See for more information regarding rates, fees, and other cost information. Designed to stack XRP on every swipe. Spend Dollars, Earn XRP 2 ⛽ $75 gas tank = .972 XRP 🛒 $200 groceries = 1.29 XRP 🥩 $300 dinner = 2.91 XRP ⛽ $75 gas tank = .972 XRP 🛒 $200 groceries = 1.29 XRP 🥩 $300 dinner = 2.91 XRP Your Credit Card Just Got a Major Upgrade 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 . 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 3 No annual fee. Plus, no foreign transaction fees and no exchange fees to acquire your crypto rewards. 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% 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. 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 Earn up to 4% on every purchase Earn up to 4% on every purchase Earn XRP, bitcoin, or 50+ crypto available on Gemini. Earn XRP, bitcoin, or 50+ crypto available on Gemini. Rewards are instantly deposited ⁶ Rewards are instantly deposited ⁶ Earn up to 4% on every purchase Earn up to 4% on every purchase Earn XRP, bitcoin, or 50+ crypto available on Gemini. Earn XRP, bitcoin, or 50+ crypto available on Gemini. Rewards are instantly deposited ⁴ Rewards are instantly deposited ⁴ Refer friends, earn up to $5,000 in XRP ⁶  Frequently Asked questions 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. 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. 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. 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 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 XRP 2 ⛽ $75 gas tank = .972 XRP 🛒 $200 groceries = 1.29 XRP 🥩 $300 dinner = 2.91 XRP ⛽ $75 gas tank = .972 XRP 🛒 $200 groceries = 1.29 XRP 🥩 $300 dinner = 2.91 XRP Your Credit Card Just Got a Major Upgrade

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 . 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. No annual fee. Plus, no foreign transaction fees and no exchange fees to acquire your crypto rewards. 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 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 Earn up to 4% on every purchase Earn up to 4% on every purchase Earn XRP, bitcoin, or 50+ cryptos available on Gemini Earn XRP, bitcoin, or 50+ cryptos available on Gemini Rewards are instantly deposited ⁶ Rewards are instantly deposited ⁶ Refer friends, earn up to $5,000 in XRP ⁶  Frequently Asked questions 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. 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. 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. 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 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 XRP 2 ⛽ $75 gas tank = .972 XRP 🛒 $200 groceries = 1.29 XRP 🥩 $300 dinner = 2.91 XRP ⛽ $75 gas tank = .972 XRP 🛒 $200 groceries = 1.29 XRP 🥩 $300 dinner = 2.91 XRP Your Credit Card Just Got a Major Upgrade 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 . 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 3 No annual fee. Plus, no foreign transaction fees and no exchange fees to acquire your crypto rewards. 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% 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. 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 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 Earn up to 4% on every purchase Earn up to 4% on every purchase Earn XRP, bitcoin, or 50+ cryptos available on Gemini Earn XRP, bitcoin, or 50+ cryptos available on Gemini Rewards are instantly deposited ⁴ Rewards are instantly deposited ⁴ Refer friends, earn up to $5,000 in XRP ⁶  Frequently Asked questions 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. 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. 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. 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 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. 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. 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. . 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. Some exclusions apply to instant rewards in which rewards are deposited when the transaction posts. This offer is only available for the Credit Card Referral Program and . Visit our for more information and additional FAQs. The Gemini Credit Card is issued by WebBank. 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. 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. 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. Some exclusions apply to instant rewards in which rewards are deposited when the transaction posts. This offer is only available for the Credit Card Referral Program and . Visit our for more information and additional FAQs.