Apple Card vs Gemini Credit Card
Compare the Apple Card ($0/yr) against the Gemini Credit Card ($0/yr) to see which card earns you more rewards based on your spending.
See how the Apple Card and Gemini Credit Card stack up across annual fees, reward rates, and key benefits. Use the calculator below to find which card maximizes your rewards based on your actual spending.
| Feature | Apple Card | Gemini Credit Card |
|---|---|---|
| Annual Fee | $0 | $0 |
| Sign-Up Bonus | None | $200 after $3,000 spend in 90 days |
| Foreign Transaction Fee | 0% | 0% |
| Base Reward Rate | 2.0% | 1.0% |
| Dining Rewards | 2.0% | 3% |
| Grocery Rewards | 2.0% | 2% |
| Gas Rewards | 2.0% | 4% (up to $3,600/yr) |
| Key Benefits | 3% at Apple and select merchants, 2% with Apple Pay, 1% with physical card. | 4% on gas/EV/transit (up to $300/month), 3% dining, 2% groceries. |
| Issuer | Goldman Sachs | WebBank |
Quick Summary
The Apple Card has a $0 annual fee (same as Gemini Credit Card).
Apple Card has a higher base reward rate (2.0% vs 1.0%).
Which Card is Better for Your Spending?
Enter your typical monthly spending to see which card earns you more rewards.
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