We can’t pick an overall winner yet: at least one of these cards doesn’t have enough verified data for a score.
Head-to-head
| Feature | Fold | Gemini | Better |
|---|---|---|---|
| Cashback without staking | 0.25% | 1% | Gemini |
| Best cashback | Up to 3% | Up to 4% | Gemini |
| Issuance fee | Free | Free | Tie |
| Monthly fee (entry tier) | Free | Free | Tie |
| FX fee (entry tier) | Not verified | 0% | — |
| Available in US | Available | Available | Tie |
| Available in UK | Not available | Not available | Tie |
| Available in EEA | Not available | Not available | Tie |
| Network | Visasource | Mastercardsource | — |
| Card type | Prepaid | Credit | — |
| Staking or paid plan for best rate | Yes | No | — |
| Top-up | Direct deposit $0; Instant Debit funding 1.5% (max $25)source | Not applicable (credit card, repaid monthly)source | — |
| Free ATM per month | None ($3.50 per withdrawal); unlimited $0 Fold fee with a Fold Reserve balance of $5,000+source | None — cash advances cost $10 or 3% (whichever is greater), with a 29.74% APR from the transaction datesource | — |
Built from the verified facts in each review. “Better” is blank when either value is unverified.
Rewards compared
Fold Card: entry-tier cashback 0.25%source, best rate Up to 3%source, paid in Bitcoinsource. The best rate needs a token stake, holding or paid plan.
Gemini Credit Card: entry-tier cashback 1%source, best rate Up to 4%source, paid in Bitcoin by default, or a chosen crypto from 50+ on Geminisource.
Fees compared
Example: you spend $1,000 a month on the entry tier, 20% of it in a foreign currency, and fund the card for free. Yearly result = entry-tier cashback − FX fees − monthly fees × 12.
| Card | Cashback | FX fees | Card fees | Net per year |
|---|---|---|---|---|
| Fold Card | Can’t calculate: a fee or rate is not verified | |||
| Gemini Credit Card | $120 | −$0 | −$0 | $120 |
Ignores issuance fees, ATM use, caps and token price moves. Fees are in each issuer’s currency for the region shown in the review. Run your own numbers.
Availability
Both issuers require identity verification (KYC). Not legal advice; an issuer can refuse any applicant.
Choose Fold Card if…
- You are looking for a card for US residents who want bitcoin back on everyday spending.
Choose Gemini Credit Card if…
- You want cashback without staking — 1% on the entry tier versus 0.25%.
- You can reach the top tier: the best advertised rate is 4%.
- You are looking for a card for US residents who want crypto rewards on a credit card with no annual fee.
FAQ
Which is better, Fold Card or Gemini Credit Card?
We can’t pick an overall winner yet: at least one of these cards doesn’t have enough verified data for a score.
Can I get Fold Card or Gemini Credit Card in the US?
Fold Card: Available. Gemini Credit Card: Available. Availability can change; check the issuer’s site before applying.