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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: Gemini Credit at 4.4/5 vs Tuyo at 4.2/5. Gemini Credit 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 | Standard Visa rates | 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 | Up to $50000+/day based on verification | 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 | |
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 (4.4/5) is the stronger option for most people compared to Tuyo Card (4.2/5).
