WebBankGemini Mastercard® Credit CardRegistry illustration · issuer artwork unavailable

Gemini Mastercard® Credit CardWebBank · NM bank, UT · FDIC 34404

CurrentLast observed Aug 23, 2026Source date Aug 23, 2026Official issuerCredit card · Consumer

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Purchase APR

34.49%

p.1variable

Balance transfer

—

Cash advance APR

29.49%

p.1variable

Annual fee

p.8none

Foreign fee

—

Grace period

—

Product terms with exact source passages
Term	Value	As printed in the source	Source
APR for purchases	34.49% variableWebBank · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“16.49 to 34.49% when you open your account, based on your creditworthiness. After that, your APR will vary with the market based on the Prime Rate. 1”WebBank · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 1
APR for balance transfers	—	no source read
APR for cash advances	29.49% variableWebBank · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“29.49% This APR will vary with the market based on the Prime Rate. 2”WebBank · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 1
Penalty APRafter a late payment or returned payment	33.49% variableWebBank · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“33.49% . This APR will vary with the market based on the Prime Rate. 3 This APR may be applied to your Account if you: ● Make late payments in two consecutive months; ● Make late payments in two non-consecutive months in any six-month period; or ● Make a payment that is returned. How Long Will the Penalty APR Apply? If your APRs are increased for any of these reasons, the Penalty APR will apply u…”WebBank · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 1
Paying interestgrace period on new purchases	—	no source read
Annual fee	$0WebBank · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“None.”WebBank · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 8
Transaction fees
Cash advance	—	no source read
Balance transfer	—	no source read
Foreign transaction	—	no source read
Penalty fees
Late payment	—	no source read
Returned payment	—	no source read

Gemini_Credit_Card_Cardholder_Agreement 2026-04-01_page 1 of 29

The Gemini Mastercard® Credit Card Cardholder Agreement

Important Disclosures About Your Gemini Mastercard Credit Card.

Gemini Mastercard Credit Card is issued by WebBank

Interest Rates and Interest Charges Annual Percentage Rate (“APR”) for Purchases · 16.49 to 34.49% when you open your account, based on your creditworthiness. After that, your APR will vary with the market based on the Prime Rate. 1 APR for Cash Advances · 29.49% This APR will vary with the market based on the Prime Rate. 2 Penalty APR and When it Applies · 33.49% . This APR will vary with the market based on the Prime Rate. 3 This APR may be applied to your Account if you: ● Make late payments in two consecutive months; ● Make late payments in two non-consecutive months in any six-month period; or ● Make a payment that is returned. How Long Will the Penalty APR Apply? If your APRs are increased for any of these reasons, the Penalty APR will apply until you make six consecutive minimum payments when due. 4 Paying Interest · Your payment is due at least 25 days after the close of each monthly billing cycle (“Payment Due Date”). We will not charge you any interest on purchases if you pay your entire balance by the Payment Due Date each month. We begin charging interest on cash advances on the transaction date. For Credit Card Tips from the Consumer Financial Protection Bureau. · To learn more about factors to consider when applying for or using a credit card, please visit the website of the Consumer Financial Protection Bureau at https://www.consumerfinance.gov/learnmore Fees Transaction Fees Cash Advance · Either $10 or 3% of the amount of each cash advance, whichever is greater.

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29Pages 1 and 8 are cited

Archived Aug 23, 2026Open full document

Sources and dates

Contractual terms come from retained issuer disclosures. Historical cohort statistics come from the CFPB survey and do not change the issuer's terms.

Issuer disclosures and source details

Exact passages support the published terms or show additional details that remain unresolved.

WebBank
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“29.49% This APR will vary with the market based on the Prime Rate. 2”
Read exact source ↗
WebBank
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“33.49% . This APR will vary with the market based on the Prime Rate. 3 This APR may be applied to your Account if you: ● Make late payments in two consecutive months; ● Make late payments in two non-consecutive months in any six-month period; or ● Make a payment that is returned. How Long Will the Penalty APR Apply? If your APRs are increased for any of these reasons, the Penalty APR will apply u…”
Read exact source ↗
WebBank
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“16.49 to 34.49% when you open your account, based on your creditworthiness. After that, your APR will vary with the market based on the Prime Rate. 1”
Read exact source ↗
WebBank
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 8
“None.”
Read exact source ↗
WebBank
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 8
“e. Minimum Interest Charge. If you are charged interest in a billing cycle, the charge will be no less than $0.50 on purchases and Cash Advances.”
Additional source detail; structured values remain unknown. This agreement passage is retained verbatim. The pricing interpretation does not replace the complete card-terms declaration.
Read exact source ↗

History

dates on sources or when they were captured

Aug 23, 2026: Annual fee, Cash advance APR, Penalty APR, Purchase APR

Offered through: WebBank
Legal issuer: Not established by retained evidence
Regulator: FDIC certificate 34404
Branches: 1 in UT
Sources: Official issuer · 1 document · 2 pages cited

Documents

Gemini_Credit_Card_Cardholder_Agreement 2026-04-01_effective date not parsed

Gemini Mastercard® Credit CardWebBank · NM bank, UT · FDIC 34404

Rates and fees