Gemini Credit

The Gemini Credit's best feature is its 4% back on gas, EV charging, and transit, but that rate applies only to the first $300 of combined spend in those categories each month, after which it drops to 1%. That cap limits the boost to about $12 a month, so it rewards modest commuters more than heavy drivers. Beyond that, you get 3% on dining, 2% on groceries, and 1% on everything else, with no annual fee and no foreign transaction fees. The weak 1% base rate is the real catch: anything outside the bonus categories earns less than a flat 2% card would, so the Gemini works best as a targeted category card alongside something stronger for general spending. Watch the regular APR, which runs as high as 34.49%, if you ever carry a balance.