Weekly Crypto Card Intel — fee changes, new cards, cashback drops. Free.
Comparing Fold Card and Gemini Credit Card on fees, cashback, custody, and where each card is available. All data is current for 2026.
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The short version:
Gemini Credit rates 4.5/5, slightly ahead of Fold at 4.1/5. Both are solid options, but Gemini Credit is the better pick for most people.
Gemini Credit Card is the better card here. Gemini Credit also lets you earn yield on your deposits, something Fold doesn't offer. Zero fixed costs give Gemini Credit a cost advantage from day one. It works with Apple Pay and Google Pay, which is useful if you pay by phone. However, Fold may be better if you need something it does better.
In short: Gemini Credit Card (4.5/5) is the stronger option for most people compared to Fold Card (4.1/5).
| Features |  Fold Card |  Gemini Credit Card |
|---|---|---|
| Virtual + Physical | Virtual + Physical | |
| Custodial | Custodial | |
| Visa Credit Card | Mastercard Credit | |
| Free | Free | |
| Fold+: varies by tier | Free | |
| No foreign transaction fees, standard Visa rates | 0% foreign transaction fees (2.49% applies only to crypto purchases on Gemini exchange | |
| Up to 2% back in Bitcoin (Fold+ members); Standard: 1.5% BTC + up to $100 bonus. Up to 20% on gift cards and merchant boosts. | 4% on gas, 3% on dining, 2% on groceries, 1% on everything else. 4% category capped at $200/month spend. Cashback auto-converts to crypto of choice (50+ options). APR 18.99-34.99%. | |
| Based on creditworthiness | Cash advance only; 3% + $10 fee, 29.99% APR | |
| $250/transaction, $1000/day, $1000/month; $2.50 fee (free for Fold+) | Referral: $50 per friend + $250 bonus per 5 referrals (up to $5000/year) | |
| Link bank account for USD funding; Bitcoin purchases | not card FX) | |
| USA only | USA only | |
| Get Card | Get Card |