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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 scores 4.4/5 on Sweepbase vs 3.6/5 for Fold. That gap shows up mostly in fees and feature coverage.
| Feature | ||
|---|---|---|
| Overview | ||
| Card type | Virtual + Physical | Virtual + Physical |
| Network | Visa Debit + Visa Bitcoin Rewards Credit Card | Mastercard Credit |
| Custody | Custodial | Custodial |
| Costs | ||
| Issuance fee | Free | Free |
| Annual fee | Fold+: $8.33/month ($100/year); standard plan: free | Free |
| FX fee | No foreign transaction fees, standard Visa rates | 0% foreign transaction fees (2.49% applies only to crypto purchases on Gemini exchange, not card FX) |
| Rewards | ||
| Cashback | Up to 2% | Up to 4% |
| Yield on spendable balance | No | NoThe issuer pays yield, but in a separate product |
| Access | ||
| Apple / Google Pay | Yes (Apple Pay; Google Pay) | Yes (Apple Pay; Google Pay) |
| Bank account in your name | No | No |
| Daily spend limit | Based on creditworthiness | None (US credit card) |
| ATM withdrawal limit | $250/transaction, $1000/day, $1000/month; $2.50 fee (free for Fold+) | Cash advance only; 3% + $10 fee, 29.99% APR |
| Top-up methods | Link bank account for USD funding; Bitcoin purchases | 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 | ||
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| Get Fold Card | Get Gemini Credit Card | |
Gemini Credit Card is the better card here. 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 (4.4/5) is the stronger option for most people compared to Fold Card (3.6/5).
