Weekly Crypto Card Intel — fee changes, new cards, cashback drops. Free.
Comparing Tuyo 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:
These two are close: Gemini Credit at 4.5/5 vs Tuyo at 4.3/5. Gemini Credit has a small lead, but which card works better depends on what you need.
Gemini Credit Card is the better card here. It works with Apple Pay and Google Pay, which is useful if you pay by phone. However, Tuyo may be better if you prefer self-custody need something it does better.
In short: Gemini Credit Card (4.5/5) is the stronger option for most people compared to Tuyo Card (4.3/5).
| Features |  Tuyo Card |  Gemini Credit Card |
|---|---|---|
| Virtual | Virtual + Physical | |
| Self-custody | Custodial | |
| Visa Debit | Mastercard Credit | |
| Free | Free | |
| Free | Free | |
| Standard Visa rates | 0% foreign transaction fees (2.49% applies only to crypto purchases on Gemini exchange | |
| TUYO rewards tokens (seasonal multipliers; TGE early 2026) | 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%. | |
| Up to $50000+/day based on verification | Cash advance only; 3% + $10 fee, 29.99% APR | |
| Not available (virtual only; no PIN/ATM access) | Referral: $50 per friend + $250 bonus per 5 referrals (up to $5000/year) | |
| USDC on Base network; automatic fiat-to-USDC conversion (USD/EUR/MXN) at no fee | not card FX) | |
| US, Spain, select EU and Latin America countries | USA only | |
| Get Card | Get Card |