Is Gemini Credit Card Safe?
Gemini Credit Card scores 64/100 on our safety check. Each factor below links to its source.
Safety score
64/100
Good
Keep only what you plan to spend on the card. Stablecoins remove price risk while funds wait. Spreading funds across two providers limits the damage if one freezes.
Issued by a bank or e-money institution regulated in a tier-one jurisdiction. Source
The provider holds your balance. Source
The issuer states that customer funds are held separately from company funds. Source
No proof of reserves is published. Source
2024-02-28: NYDFS fined Gemini Trust Company $37 million over the Gemini Earn program and unsafe practices. Gemini also committed $40 million toward Earn customers' recovery in the Genesis bankruptcy. 2024-06-14: The New York Attorney General settled with Gemini over Gemini Earn. Gemini returned about $50 million in digital assets to more than 230,000 Earn investors. 2025-01-13: A federal court entered a CFTC consent order against Gemini Trust over misleading 2017 statements to the CFTC about a bitcoin futures contract. Gemini paid a $5 million civil penalty. 2026-01-23: The SEC dismissed with prejudice its January 2023 case against Gemini over Gemini Earn. It cited the 100% in-kind return of Earn investors' crypto. Source
A complete fee schedule is public. Source
Runs on Mastercard. Source
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Gemini Credit Card fees, limits and cashback · Compare Gemini Credit Card costs · How the score works
Sources
- Gemini Credit Card: fees · checked September 28, 2026
- Gemini Credit Card: availability · checked September 28, 2026
- Gemini Credit Card: cashback · checked September 28, 2026
- Gemini Credit Card: safety · checked September 28, 2026