Fold Debit Card vs Gemini Credit Card
Side by side at your spend: what each card keeps after fees and FX, where you can get it and what it includes.
a month in
Highest at this spendGemini Credit Card
Gemini Credit Card
$20.00 a month
1.0% effective, advertised up to 1.0%
Gemini Credit Card keeps $18.33 more a month than Fold Debit Card at this spend.
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| Detail | Fold Debit Card | Gemini Credit Card |
|---|---|---|
| Plan at this spend | Fold+ ($100/yr) | Standard |
| Paid in | BTC | BTC by default, or another eligible asset you pick on Gemini (50+, including USDC and GUSD) |
| FX on your spend | 0% | 0% |
| Yearly fee | $100 | None |
| Network | Visa | Mastercard |
| Card type | Prepaid | Credit |
| Custody | Custodial | Custodial |
| Available in | US | US |
| Perks | Discounts & offers | Discounts & offers, Metal card |
General information only. These figures are calculated from the spend you enter and the card terms we've collected. We haven't considered your objectives, financial situation or needs, and this isn't a recommendation. Consider whether a card suits you and read the provider's terms before applying. Figures are estimates; terms change; crypto is volatile.
Fold Debit Card
- No card, monthly or per-purchase fee on the free Fold Card
- Fold+ pays 0.5% back in bitcoin on purchases that don't get a boost, plus rotating category boosts up to 1.5% and merchant boosts
- Fold+ removes the $3.50 ATM fee and the $3.00 foreign transaction fee
- The free card earns no bitcoin on card purchases; only the daily prize wheel and gift card rewards
- Fold+ costs $100 a year (or $10 a month), so its 0.5% base rate only covers the fee above about $1,667 of monthly spend
Gemini Credit Card
- No annual fee and no foreign transaction fee, both stated in the WebBank cardholder agreement
- Rewards are usually credited in crypto at the moment of purchase, in BTC or another asset you choose
- 4% on gas, EV charging, transit, taxis and rideshare (first $300 a month), 3% on dining and 2% on groceries
- General spend outside the bonus categories earns 1%
- The 4% category rate only covers the first $300 of that spend each month
More: other comparisons, every card at your spend, or the cashback list.