How do I apply for the Gemini Credit Card?
You can apply for the Gemini Credit Card by signing up for the waitlist. When it is your turn to apply, Gemini will send you an email to let you know it is your turn. That email will include a personalized link to the application. The link may not be shared or used by anyone else.
How can I find out the status of my credit card application?
If you applied online, you will get an answer usually within 60 seconds. In some cases, we will need additional information to process your application and will reach out to you via email or phone to collect this information.
How long will it take for my card to be mailed to me?
Your new card should arrive in the mail within 5-7 days of being approved for the account.
If I apply, will I get a metal card?
Yes, all approved accounts will have a metal card sent to them. After being approved, you can select from 3 card colors: black, silver or rose gold. For added security, we do not print your credit card number on the card, but you can access it by logging into your Gemini account and selecting "Card details".
Can I have my card mailed to a different address?
We will only mail your credit card to the address provided on your application. If you have established an account and if you need to update the address on the account, you can do that by logging into your Gemini account and going to the card settings tab.
How do I set up my online account access?
If you do not have an existing Gemini Exchange account, then when you apply for the card and are approved, we ask you to choose a password. This password is used to sign into your Gemini account where you can manage your credit card and access the Gemini Exchange account. The user name is the email address you used to apply for the Gemini Credit Card.
What is a Gemini Exchange account?
When you receive crypto rewards they are placed into a Gemini Exchange account. You can use this account to buy and sell additional crypto. You can sell your accrued crypto rewards for other crypto or US dollars that can be deposited into your bank checking or savings account.
What cryptocurrency do I earn rewards in?
During the application process you can choose to earn rewards in one of over 50 cryptocurrencies on the Gemini Platform. Only those cryptocurrencies available on the Gemini Platform may be selected. If you do not choose a cryptocurrency you will earn rewards in Bitcoin, which is the default cryptocurrency for the Gemini Credit Card.
Can I pre-qualify before applying for the Gemini Credit Card and will it impact my credit score?
You can quickly see if you are pre-qualified for the Gemini Credit Card with NO impact to your credit score. If you are pre-qualified, you will be asked for additional information and Gemini, on behalf of WebBank will make a hard inquiry of your credit report in order to make a final decision. The hard inquiry can impact your credit score.
What does being pre-qualified mean?
This means you have taken the first steps to being approved and you are likely to be approved for the Gemini Credit Card. However, even if you are pre-qualified, this does not guarantee you will be approved.
How can I learn more about soft/hard inquiry on my credit report?
You can learn more by visiting Experian.com and searching for soft/hard inquiry.
Does Gemini report my information to a credit bureau such as Experian, Trans Union or Equifax?
Gemini, on behalf of WebBank, reports your account information to Experian which is a credit bureau. Gemini, on behalf of WebBank may also report information to TransUnion and Equifax.
What information do you report to the Credit Bureau?
Gemini, on behalf of WebBank, reports that you applied for an account and the outcome of the application (approved or rejected). If approved for an account we also report the open date of the account, your credit limit, your balance, and your payment history including any late or missed payments.
Why was my application for a card declined/rejected?
After denial of credit, you will receive the reasoning for why your application was declined in an email.
Why was I declined for failure to identify?
We use several sources to verify identification and unfortunately we were not able to verify your identity with these sources. Based on regulatory requirements to verify your identity we are not able to approve your application.
What if I am approved for the Credit Card but not for a Gemini Exchange account?
In order to be approved for a Gemini Credit Card you must also be approved for a Gemini Exchange account. If you do not have an existing Gemini Exchange account when you apply we will run your application through both processes.
Can I appeal the reason for why my application was denied?
We realize being declined for the card is not what you hoped for, but we do not offer a process to appeal the decision. You can reapply in 30 days if you want to try again. If you do this you will go through the application pre-qualification process again, which will not impact your credit score. If you pass pre-qualification that means you are likely to be approved but does not guarantee you will be approved for the card. When you submit the full application at this stage Gemini, on behalf of WebBank, will perform a hard pull of your credit report and this can impact your credit score and be shown on your credit report.