Monthly spending. We rank on rewards minus the full annual fee, so statement credits and perks are listed separately and never counted for you.
Choosing between the Gemini Credit Card® (no annual fee) and the Target™ Mastercard® (no annual fee) comes down to where you spend most. Neither card has an annual fee, and Gemini earns at least as much as Target Mastercard in every category, more on dining, groceries and gas. Enter your monthly spending above to see which comes out ahead for you.
Strongest in gas at 4% (up to $3,600/yr). 4% on gas/EV/transit (up to $300/month), 3% dining, 2% groceries.
Perfect if: You want solid rewards without paying an annual fee.
Apply NowStrongest in dining at 2%. 5% off every Target purchase instantly at checkout, plus 2% on dining and gas and 1% elsewhere.
Perfect if: You want solid rewards without paying an annual fee.
Apply Now| Feature | Gemini Credit Card | Target Mastercard |
|---|---|---|
| Annual Fee | $0 | $0 |
| Sign-Up Bonus | None | None |
| Foreign Transaction Fee | 0% | 3% |
| Base Reward Rate | 1% | 1% |
| Dining Rewards | 3% | 2% |
| Groceries Rewards | 2% | 1% |
| Gas Rewards | 4% (up to $3,600/yr) | 2% |
| Key Benefits | 4% on gas/EV/transit (up to $300/month), 3% dining, 2% groceries. | 5% off every Target purchase instantly at checkout, plus 2% on dining and gas and 1% elsewhere. |
Gemini Credit Card pulls ahead for dining, groceries, gas spending.
Not sure which fits your life? Enter your spending below and we’ll do the math. The calculator ranks purely on rewards minus the full annual fee, so credits and perks are yours to judge.