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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: Tuyo at 4.5/5 vs Gemini Credit at 4.4/5. Tuyo has a small lead, but which card works better depends on what you need.
| Feature | ||
|---|---|---|
| Overview | ||
| Card type | Virtual | Virtual + Physical |
| Network | Visa Debit | Mastercard Credit |
| Custody | Self-custody | Custodial |
| Costs | ||
| Issuance fee | Free | Free |
| Annual fee | Free | Free |
| FX fee | 0% fee on USD transactions; up to 1% FX spread fee in other currencies (tuyo.com/card fee table, read 2026-08-27) | 0% foreign transaction fees (2.49% applies only to crypto purchases on Gemini exchange, not card FX) |
| Rewards | ||
| Cashback | Crypto rewards | Up to 4% |
| Yield on spendable balance | Yes | 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 | IBAN yes (Luxembourg via Bridge); USD/EUR/MXN virtual accounts; SEPA implied | No |
| Daily spend limit | $10,000/day, "increases with usage" (tuyo.com/card fee table, read 2026-08-27; the earlier $50,000+/day-by-verification claim is no longer published) | None (US credit card) |
| ATM withdrawal limit | Not available (virtual only; no PIN/ATM access) | Cash advance only; 3% + $10 fee, 29.99% APR |
| Top-up methods | USDC on Base network; automatic fiat-to-USDC conversion (USD/EUR/MXN) at no fee | Link to Gemini account; spend in fiat (USD) |
| Regions | US, Spain, select EU and Latin America countries | USA only |
| Behind the card | ||
| Card issuer | Third National (Nimbus LLC) — USA — Puerto Rico money transmitter (NMLS #2612780); a subsidiary of Signify Holdings, Inc. ("Rain") per Rain's privacy policyInferred, not stated by the issuer | WebBank — USA (Utah industrial bank, FDIC-insured)Named in the card terms |
| Our read | ||
| Strengths |
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| Trade-offs | Nothing flagged by these checks |
|
| Get Tuyo Card | Get Gemini Credit Card | |
Tuyo Card is the better card here. With self-custody, your crypto stays in your wallet until you actually spend it, unlike Gemini Credit where the issuer holds your funds. Tuyo also lets you earn yield on your deposits, something Gemini Credit doesn't offer. It works with Apple Pay and Google Pay, which is useful if you pay by phone. However, Gemini Credit may be better if you need something it does better.
In short: Tuyo Card (4.5/5) is the stronger option for most people compared to Gemini Credit Card (4.4/5).
