Tuyo Card vs Gemini Credit Card: 2026 Comparison
Comparing Tuyo Card and Gemini Credit Card on fees, cashback, custody, and where each card is available.
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The short version:
Gemini Credit rates 4.4/5, ahead of Tuyo at 3.9/5. The gap is 0.5 of a point: a few line items in the formula, not a different class of card. What moves the score for Gemini Credit: no issuance or annual fee, up to 4% cashback.
Side by side
| Feature | Tuyo Card 3.9 out of 5, Sweepbase rating Get card Tuyo Card | Gemini Credit Card 4.4 out of 5, Sweepbase rating Get card Gemini Credit Card |
|---|---|---|
| Overview | ||
| Card type | Virtual | Virtual and physical metal card, in several designs |
| Network | Visa | Mastercard Credit |
| Custody | Strength: Self-custody | Custodial |
| Costs | ||
| Issuance fee | Strength: Free | Strength: Free |
| Annual fee | Strength: Free | Strength: Free |
| FX fee | Up to 2% on a purchase in a currency other than USD made outside the US: a 1% FX fee plus a 1% abroad fee from the card…The fine print
| 0% foreign transaction fees (2.49% applies only to crypto purchases on Gemini exchange, not card FX) |
| Rewards | ||
| Cashback | Strength: Crypto rewards | Strength: Up to 4% |
| Yield on spendable balance | Strength: Yes | 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 | Strength: Virtual accounts via Bridge: EUR IBAN takes SEPAThe fine print
| No |
| Daily spend limit | Up to $50,000 a day for new cards, rising to $100,000 after $50,000 of total purchases and to $200,000 after $100,000The fine print
| None (US credit card) |
| ATM withdrawal limit | $250 per withdrawal including any ATM surcharge; at most 3 ATM attempts in a rolling 24 hours, declined attempts included; Visa ATMs, virtual card with PIN | 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 | USDC on Base in the Cash section; other tokens and networks converted to USDC on Base in the app; USD, EUR and MXN bank deposits converted to USDC | Link to Gemini account; spend in fiat (USD) |
| Regions | Worldwide except the United Kingdom, India, Israel, Nigeria, Turkey, Ukraine, Vietnam and other listed countries; state limits apply inside the United States | 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 policyNamed in the card terms | 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 |
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Which scores higher
Gemini Credit leads on the formula, but the score is a sum, and Tuyo wins some of its terms: Tuyo is self-custody and Gemini Credit is not, so your crypto stays in your own wallet until the moment you spend; the balance Tuyo spends from earns yield, and the one Gemini Credit spends from does not. If one of those is the thing you care about, read that row above before the score.