Gemini Credit Card Cardholder Agreement 2026 04

The Gemini Credit Card Cardholder Agreement 2026 04 01 filing from Webbank sets out a 34.49% purchase APR and a 33.49% penalty rate. The purchase rate sits at roughly the 80th percentile of the 4,587 agreements indexed here.

What the document actually states

What follows is drawn entirely from Webbank's CFPB filing for Gemini Credit Card Cardholder Agreement 2026 04 01. It is issued on the Mastercard network and the filing runs 29 pages.

The filing is explicit about a purchase rate, a cash advance rate, a penalty rate, a late payment maximum and a foreign transaction fee. It is silent on a balance transfer rate, an annual fee line and a grace period.

The purchase rate in context

At 34.49%, the purchase APR falls at roughly the 80th percentile of the 2,280 filings indexed here, which is well above what most issuers disclosed.

The agreement labels the purchase rate variable, so the quoted figure reflects the index at the time of filing rather than a locked-in price.

Translating the rate into money

At the disclosed purchase APR, $2,500 revolving for a full year costs something like $1,029 in interest.

Against the corpus median of 21.99%, that is approximately $414 a year of extra interest on the same $2,500.

Month to month it reads as about $71.85 per cycle on that balance.

These figures are arithmetic on the disclosed rate, not a quote: they assume the balance is never reduced, ignore any payments, and take no account of fees charged separately.

The fee structure

Taking cash against the card means a cash advance fee of $10 or 3% of the advance, whichever is greater and a cash advance APR of 29.49%.

Foreign transactions carry no fee. Only about 22% of the filings here that disclose a foreign transaction fee set it at zero, so this is a genuine point of difference.

The downside terms

If the account defaults, the filing permits a rate of 33.49%. Among disclosing agreements here that ranks near the 69th percentile.

$35 is the disclosed ceiling on a late payment fee, placing it near the 54th percentile of the set.

Against the rest of Webbank's filings

23 separate Webbank filings appear in the corpus. The issuer's own range is 19.99%–36%. At 34.49%, this agreement is dearer than 10 of its siblings.

The limits of this document

This page cannot tell you balance transfer terms, an annual fee and a grace period, because the filing's disclosure table as read does not contain them.

It is worth being explicit about scope: these filings record terms and pricing. They say nothing about rewards programmes, cardholder benefits, promotional offers or who the issuer will approve, and this review does not speculate about any of it.

Go to the source

Everything here is a reading of the filed agreement, 29 pages of it, which is linked above and which governs. Terms also change between filings, so the date on the document matters.

In short

34.49% on purchases is the number that dominates this agreement. Paid in full each cycle it never applies; carried, it is among the dearer prices in this index.