WebBank · Personal
Gemini
A no-annual-fee card earning cash back: 4× on 4 categories, 1× on everything else.
- Annual fee
- $0No annual fee
- Signup bonus
- NoneNo signup bonus listed
- Top rate
- 4×4 categories
- Point value
- 1¢Cash back, a cent a point
Year one and year two
Is it worth it for you?
Tick the credits you’d really use and enter what you spend. The ledger adds up the bonus, your points and the credits, less the fee.
| Line | Year one | Year two |
|---|---|---|
| Signup bonus None listed | $0 | – |
| Cash back on your spend Enter your spending | $0 | $0 |
| Credits you’d use No statement credits listed | $0 | $0 |
| Annual fee No annual fee | $0 | $0 |
| NetYear one includes the bonus · at your inputs · our estimates* | $0 | $0 |
Earning structure
7 categories, 4 rates
| Icon | Category | Points per $1 | Worth per $100 (our estimate)* |
|---|---|---|---|
EV Charging Cap $300 / 1 mo, sharedNotes4% back on up to $300 per month spent on gas, EV charging, transit, taxis, and rideshares (then 1% thereafter for that month). | 4× | $4.00 | |
Gas Stations Cap $300 / 1 mo, sharedNotes4% back on up to $300 per month spent on gas, EV charging, transit, taxis, and rideshares (then 1% thereafter for that month). | 4× | $4.00 | |
| Ridesharing Cap $300 / 1 mo, shared | 4× | $4.00 | |
Transit Cap $300 / 1 mo, sharedNotes4% back on up to $300 per month spent on gas, EV charging, transit, taxis, and rideshares (then 1% thereafter for that month). | 4× | $4.00 | |
| Dining | 3× | $3.00 | |
| Groceries | 2× | $2.00 | |
| All Other | 1× | $1.00 |
The rest of the card
Details, rules and benefits
Card details
- Annual fee
- None
- Card type
- Personal
- Network
- –
- Bank
- WebBank
- Point system
- Cash back
- Foreign transaction fee
- None
- Transfer partners
- No
- Travel portal redemption
- No
- Cash to travel
- No
Benefits1 · 0 high value
- Instant Perks & Status Earn Crypto
Benefit details, terms, and availability may vary. Please refer to the card’s terms and conditions for complete information.
Alternatives
Head to head with similar cards
 Gemini |  AAA Travel Advantage |  AT&T Points Plus |  Expedia Group One Key | |
|---|---|---|---|---|
| Annual fee | $0 | $0Same | $0Same | $0Same |
| Signup bonus | None | $100 | None | $250 |
| Top rate | 4×4 categories | 5×EV Charging, Gas Stations | 3×Gas Stations, EV Charging | 3×7 categories |
| Travel value * | –Cash back | 1¢AAA Points | 1.67¢ThankYou Points | 0.9¢One Key |
| Why it’s here | This card | Also no annual fee | Also no annual fee | Also no annual fee |
The card earns rewards in cryptocurrencies, not traditional points. The rewards are worth one cent at the current market price of the chosen cryptocurrency, which can fluctuate.
* Point valuations are RICH with POINTS™ editorial estimates, averaged from published valuations by The Points Guy, Upgraded Points, and Frequent Miler. They are not issuer figures and do not represent guaranteed redemption value.
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