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Comparison

Fold Card vs. Gemini Credit Card compared

  • Image source Source foldapp.com Retrieved on Logos and card pictures are trademarks of their owners and are shown for identification only. Fold 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 CardFold Requires KYC Private Virtual Physical Gemini Credit CardGemini Requires KYC Private Virtual Physical Metal
Score average average
CostsWeight 25 % 90 100
KYC and privacyWeight 20 % 35 35
FeaturesWeight 15 % 77 93
AvailabilityWeight 10 % 17 17
RewardsWeight 10 % 35 52
TrustWeight 10 % 90 72
CommunityWeight 10 % not scored not scored
KYC KYC: ID document KYC: ID document
Limits (entry level)
  • Top-up per 24 hours: 15,000 USD
  • Top-up per day: 15,000 USD
  • Spending per transaction: 15,000 USD
+6 		no limits captured
Basics
Card form (differs) prepaid Source and check Source foldapp.com Wording at the source ### Fold Prepaid Debit Card Issued by Sutton Bank Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 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 Open a Fold account from the app and request your card. Use a virtual card right away while the physical one ships. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 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 Card runs on the Visa network, so it works at virtually every merchant in the country and at ATMs when you need cash. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 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 Fold uses the second model, through BitGo. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 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 (differs) fiat balance Source and check Source foldapp.com Wording at the source You must have enough funds loaded onto your Card Account to pay for your purchase and you must have enough funds not subject to a hold (see Merchant Holds on Available Funds). Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 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 Prepaid Debit Card is limited to loads and spends in U.S. dollars ("USD"). Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 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 The Card is for personal use only. You agree not to use the Card for business purposes. Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 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) Sutton Bank (Member FDIC) Source and check Source foldapp.com Wording at the source The Fold Prepaid Debit Card is issued by Sutton Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc. Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 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 (differs) unknown 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 Set up direct deposit, transfer in from a linked account, or load funds instantly. Move bitcoin to your cash balance anytime for spending. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 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) Yes Source and check Source foldapp.com Wording at the source Set up direct deposit, transfer in from a linked account, or load funds instantly. Move bitcoin to your cash balance anytime for spending. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? 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 Source and check Source foldapp.com Wording at the source For each of the Fold Prepaid Debit Card and Fold Bitcoin Credit Card (defined below), you acknowledge and agree that your use of Apple Pay or other mobile payment platforms in connection with such Car... Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 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 Yes Source and check Source foldapp.com Wording at the source The Fold Card runs on the Visa network, so it works at virtually every merchant in the country and at ATMs when you need cash. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 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 (differs) Yes Source and check Source foldapp.com Wording at the source ## Tap, swipe, or insert anywhere Visa is accepted Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? unknown
Fees
Virtual card issuance (differs) 0.00 USD Source and check Source foldapp.com Wording at the source | Card Purchase | $0 | Fee charged for purchase of the Fold Visa® Prepaid Debit Card. Additional cards and replacement cards are available for the fees described below. | Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? unknown
Physical card issuance (differs) 0.00 USD Source and check Source foldapp.com Wording at the source | Card Purchase | $0 | Fee charged for purchase of the Fold Visa® Prepaid Debit Card. Additional cards and replacement cards are available for the fees described below. | Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? unknown
Free cards unknown unknown
Shipping unknown unknown
Monthly fee (differs) 0.00 USD Source and check Source foldapp.com Wording at the source | Annual or Monthly Fee | $0 | There is no annual or monthly fee. | Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? unknown
Annual fee 0.00 USD Source and check Source foldapp.com Wording at the source | Annual or Monthly Fee | $0 | There is no annual or monthly fee. | Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 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) 1 % Source and check Source foldapp.com Wording at the source If you are not a Fold Reserve member, or your Committed Balance is below $5,000, a Transaction Fee of 1% applies to each Fold Bitcoin Buying transaction, including, but not limited to, transactions ma... Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? 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) unknown 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 (differs) 3.50 USD (Per withdrawal; waived for Fold Reserve members with a Reserve Balance of USD 5,000 or more; ATM operator fees may apply.) Source and check Source foldapp.com Wording at the source | ATM Withdrawal | $3.50 per withdrawal | This fee is waived for Fold Reserve members with a Reserve Balance of $5,000 or more. You may be charged a fee by the ATM operator even if you do not complete... Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? unknown
Declined payment fee unknown unknown
Refund fee unknown unknown
Inactivity fee (differs) 0.00 USD Source and check Source foldapp.com Wording at the source | Inactivity Fee | $0 | Card Account becomes inactive when you fail to initiate a transaction for 6 consecutive months. Fee is charged on a per month basis. | Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? unknown
Minimum monthly spend unknown unknown
Inactivity rule (differs) unknown 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 (differs) 5.00 USD (Lost or stolen cards, standard delivery; expired cards are replaced free; waived for Fold Reserve members.) Source and check Source foldapp.com Wording at the source | Replacement Card (Standard Delivery) | $5.00 | Per replacement card ordered. This fee is for lost or stolen Cards only. No fee will be incurred to replace expired Cards. This fee is waived for Fold... Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? unknown
Rewards
Cashback (differs) 0.25 % (level 0); 0.25 % (level 5,000); 0.5 % (level 15,000); 1 % (level 25,000); 1.5 % (level 50,000); 2 % (level 75,000); 3 % (level 100,000) · 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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