Gemini Credit

The hook here is that rewards pay out in crypto, with 4% on gas (capped at $300/month), 3% dining, 2% groceries, and 1% on everything else, all with no annual fee or foreign transaction fees. It makes sense if you actively use Gemini and want to accumulate crypto, not dollars. As a plain cash-back card it is unremarkable, the high end of the APR runs up to 34.99%, and the rewards' value rides on whatever coin you hold, so carry no balance and treat the payout as speculative.