Fold Card vs Gemini Credit Card: 2026 Comparison
Comparing Fold Card and Gemini Credit Card on fees, cashback, custody, and where each card is available.
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The short version:
Gemini Credit scores 4.4/5 on the Sweepbase formula and Fold scores 3.4/5, a gap of 1 points. The Strengths row in the table lists what each card is credited for. What moves the score for Gemini Credit: no issuance or annual fee, up to 4% cashback.
Side by side
| Feature | Fold Card 3.4 out of 5, Sweepbase rating Get card Fold Card | Gemini Credit Card 4.4 out of 5, Sweepbase rating Get card Gemini Credit Card |
|---|---|---|
| Overview | ||
| Card type | Virtual + Physical | Virtual and physical metal card, in several designs |
| Network | Visa Prepaid Debit | Mastercard Credit |
| Custody | Custodial | Custodial |
| Costs | ||
| Issuance fee | Strength: Free | Strength: Free |
| Annual fee | Free. Fold removed the Fold+ membership and its fee on 1 October 2026; the separate Fold Reserve balance that sets the rewards tier has no fee to hold | Strength: Free |
| FX fee | $3.00 per foreign transaction; waived for Fold Reserve members with a Reserve balance of $5,000 or more | 0% foreign transaction fees (2.49% applies only to crypto purchases on Gemini exchange, not card FX) |
| Rewards | ||
| Cashback | Strength: 0.25%, up to 3% with Fold Reserve | Strength: Up to 4% |
| Yield on spendable balance | No | NoThe issuer pays yield, but in a separate product |
| Access | ||
| Apple / Google Pay | Strength: Yes (Apple Pay; Google Pay) | Strength: Yes (Apple Pay; Google Pay) |
| Bank account in your name | No | No |
| Daily spend limit | $15,000 a day and per transaction; $50,000 a month | None (US credit card) |
| ATM withdrawal limit | $250 per withdrawal, $1,000 a day and $1,000 a month; $3.50 per withdrawal, waived for Fold Reserve members with a Reserve balance of $5,000 or more | Cash advance only; $10 or 3% of each cash advance, whichever is greater, at 29.49% APR charged from the transaction date |
| Top-up methods | Direct deposit to the card account's routing and account numbersThe fine print
| Link to Gemini account; spend in fiat (USD) |
| Regions | USA only | USA only |
| Behind the card | ||
| Card issuer | Sutton Bank, USA (Ohio)Named in the card terms | WebBank, USA (Utah industrial bank, FDIC-insured)Named in the card terms |
| Our read | ||
| Strengths |
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Which scores higher
Nothing in the formula favours Fold over Gemini Credit. What the formula cannot see is where you live and what you spend on: if Fold is sold in your country and Gemini Credit is not, that settles it, and the Regions row above is where to check.