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Comparison

Fold Bitcoin Credit Card vs. Gemini Credit Card compared

  • Illustration Drawn by us from the provider logo and card colours, not the official card picture. Drawn on Fold Bitcoin Credit CardFold
  • Illustration Drawn by us from the provider logo and card colours, not the official card picture. Drawn on Gemini Credit CardGemini

In short

  • Gemini Credit Card has the higher score (64.91).
Attribute Fold Bitcoin Credit CardFold Requires KYC Private Virtual Physical Gemini Credit CardGemini Requires KYC Private Virtual Physical Metal
Score average average
CostsWeight 25 % 100 100
KYC and privacyWeight 20 % 35 35
FeaturesWeight 15 % 53 93
AvailabilityWeight 10 % 17 17
RewardsWeight 10 % 64 52
TrustWeight 10 % 80 72
CommunityWeight 10 % not scored not scored
KYC KYC: ID document KYC: ID document
Limits (entry level)
  • Balance in total: not published
 no limits captured
Basics
Card form credit Source and check Source foldapp.com Wording at the source A credit card that is all-in on bitcoin. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? credit Source and check Source gemini.com Wording at the source The Gemini Credit Card® Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Card types (differs) virtual, physical Source and check Source foldapp.com Wording at the source This Agreement becomes effective and legally binding on the earliest of the date you activate or first use the Card, whether issued in physical form or as a virtual card through the Fold mobile applic... Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? virtual, physical, metal Source and check Source gemini.com Wording at the source Once verified, we will issue a digital version of your credit card. You can add this card to Apple Pay, Google Pay, and Samsung Pay or you can also use it for online purchases. To access your card det... Checked Verified Check overdue · last 29 Oct 2026 Value wrong? History What does [s] mean?
Card network (differs) Visa Source and check Source foldapp.com Wording at the source The Fold Bitcoin Credit Card is issued by Celtic Bank pursuant to a license from Visa U.S.A. Inc. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? Mastercard Source and check Source gemini.com Wording at the source Mastercard® World Elite Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Custody custodial Source and check Source foldapp.com Wording at the source Bitcoin custody and exchange services are provided by BitGo and are subject to BitGo's Terms of Use. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? custodial Source and check Source gemini.com Wording at the source ANY DIRECT DAMAGES IN EXCESS OF (IN THE AGGREGATE) THE VALUE OF ANY OF YOUR ALLEGEDLY LOST REWARDS AMOUNT IN THE CUSTODY OF GEMINI AT THE TIME OF LOSS. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Funding model credit line Source and check Source foldapp.com Wording at the source Credit is subject to approval. Applicants are subject to a credit check and must meet applicable lending criteria. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? credit line Source and check Source gemini.com Wording at the source You understand that by checking the box, you are providing written instructions to us to obtain information from your personal credit report or other information that we will use when considering your... Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Card currencies USD Source and check Source foldapp.com Wording at the source The Fold Bitcoin Credit Card may only be used for purchases and transactions in U.S. dollars ("USD"). Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? USD Source and check Source gemini.com Wording at the source The Gemini Credit Card is a reward credit card that allows you to use U.S. dollars and earn rewards in bitcoin or other accepted crypto, with rewards automatically added to your Gemini account. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Usage personal Source and check Source foldapp.com Wording at the source You may use the Card only for bona fide personal, family, or household purposes to purchase goods and services from merchants that accept the Card and access any other feature we expressly make availa... Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? personal Source and check Source gemini.com Wording at the source The Rewards Program enables eligible Gemini customers to receive digital asset rewards ("Rewards") on certain Qualifying Purchase Transactions (defined below) made using the Gemini Mastercard® Credit... Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Issuer / BIN sponsor (differs) Celtic Bank Source and check Source foldapp.com Wording at the source The Fold Bitcoin Credit Card is issued by Celtic Bank pursuant to a license from Visa U.S.A. Inc. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? WebBank Source and check Source gemini.com Wording at the source The Gemini Credit Card is issued by WebBank. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Limits depend on unknown unknown
Cards per account unknown unknown
Availability
Available in Available in: United States Source and check Source foldapp.com Wording at the source Available in the U.S. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? Available in: United States Source and check Source gemini.com Wording at the source We began onboarding waitlist members earlier this year, and given the overwhelming response, the Gemini Credit Card is now available to eligible individuals in all 50 U.S. states. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Crypto
Supported assets (differs) BTC Source and check Source foldapp.com Wording at the source All rewards paid in bitcoin. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? BTC, ETH, SOL, XRP, FET, RNDR, LPT Source and check Source gemini.com Wording at the source Gemini Credit Card holders benefited immensely from bitcoin and ether's recent rallies in particular. The value of bitcoin crypto rewards held by cardholders have appreciated by 141.3%, while ether re... Checked Verified Check overdue · last 29 Oct 2026 Value wrong? History What does [s] mean?
Number of supported assets (differs) unknown 50 Source and check Source gemini.com Wording at the source Earn XRP, bitcoin, or 50+ crypto available on Gemini. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Top-up networks (differs) unknown not applicable Source and check Source gemini.com Wording at the source You understand that by checking the box, you are providing written instructions to us to obtain information from your personal credit report or other information that we will use when considering your... Checked Verified Check overdue · last 29 Oct 2026 Add this value? Unchanged since 29 Oct 2026 What does [s] mean?
Fiat top-up (differs) unknown not applicable Source and check Source gemini.com Wording at the source You understand that by checking the box, you are providing written instructions to us to obtain information from your personal credit report or other information that we will use when considering your... Checked Verified Check overdue · last 29 Oct 2026 Add this value? Unchanged since 29 Oct 2026 What does [s] mean?
Payments
Mobile wallets (differs) Apple Pay Google Pay Source and check Source foldapp.com Wording at the source Pre-filled applications for verified Fold users, quick decisions, instant provisioning to Apple Pay and Google Pay. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? Apple Pay Google Pay Samsung Pay Source and check Source gemini.com Wording at the source Yes, the Gemini Credit Card works with Apple Pay, Google Pay, and Samsung Pay. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
ATM withdrawals (differs) No Source and check Source support.foldapp.com Wording at the source ATM withdrawals are NOT AVAILABLE Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? Yes Source and check Source gemini.com Wording at the source The following transactions are NOT considered purchases and are NOT Qualifying Purchase Transactions and you will NOT be eligible to receive Rewards for such transactions: - ATM transactions; - Card... Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Contactless unknown unknown
Fees
Virtual card issuance unknown unknown
Physical card issuance unknown unknown
Free cards unknown unknown
Shipping unknown unknown
Monthly fee (differs) 0.00 USD Source and check Source foldapp.com Wording at the source Keep a Reserve balance and every swipe earns at that tier — no monthly fee, no points math, no re-qualifying. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? unknown
Annual fee 0.00 USD Source and check Source foldapp.com Wording at the source Annual Fee. There is no annual fee imposed for the issuance or maintenance of the Card. Use of the Card requires an active Fold account in good standing. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? 0.00 USD Source and check Source gemini.com Wording at the source Earn up to 4% crypto back on every purchase with no annual fee Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Top-up fee unknown unknown
Crypto deposit fee unknown unknown
Crypto conversion fee (differs) unknown 0 % Source and check Source gemini.com Wording at the source No annual fee. Plus, no foreign transaction fees and no exchange fees to acquire your crypto rewards. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Foreign currency fee (differs) 0 % above the network rate Source and check Source foldapp.com Wording at the source Foreign Transaction Fee. We do not charge a fee for Transactions made in a foreign currency. The card network converts the amount to U.S. dollars using its own procedures. The rate applied on the proc... Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? 0 % Source and check Source gemini.com Wording at the source No foreign transaction fees Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
FX free allowance unknown unknown
Minimum FX fee unknown unknown
ATM fee unknown unknown
Declined payment fee unknown unknown
Refund fee unknown unknown
Inactivity fee unknown unknown
Minimum monthly spend unknown unknown
Inactivity rule (differs) Unredeemed rewards are forfeitable after twelve consecutive months of account inactivity. Source and check Source foldapp.com Wording at the source Rewards that remain unredeemed for twelve (12) consecutive months of account inactivity, or that remain outstanding when your Fold Program Accounts are closed or the Rewards Program terminates, are fo... Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? If you never use your digital card and don't activate your physical card within 60 days, Gemini may close your card, in accordance with, the cardholder agreement. Source and check Source support.gemini.com Wording at the source If you never use your digital card and don't activate your physical card within 60 days, Gemini may close your card, in accordance with, the cardholder agreement. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Card replacement unknown unknown
Rewards
Cashback (differs) 1.5 % (level 0); 1.5 % (level 1); 1.75 % (level 2); 2 % (level 3); 3 % (level 4); 4 % (level 5); 5 % (level 6) · in BTC 4 % (spend from 0/month); 3 % (spend from 0/month); 2 % (spend from 0/month); 1 % (spend from 0/month) · in BTC
Referral bonus (invited friend) (differs) 10 USD Source and check Source support.foldapp.com Wording at the source ## What does the referral-receiver receive? - Your referral gets $10 of bitcoin with their first Fold Debit Card purchase of at least $25. - 100 spins Checked Verified Value wrong? History What does [s] mean? unknown
Referral bonus (you) (differs) $5 of bitcoin when the referral spends $25 from their Fold balance, plus 100 spins and Spin Squad earnings of 1–50 sats on qualifying bitcoin purchases or Fold Debit Card use. Source and check Source support.foldapp.com Wording at the source ## What does the referral-giver receive? - You earn $5 of bitcoin when your referral spends $25 from their Fold balance. - Pro-tip: Suggest your friend purchases a Gift Card. Simplest, fastest, and... Checked Verified Value wrong? History What does [s] mean? unknown
Welcome bonus unknown unknown

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