Gemini Credit Card vs Fold Card
Gemini Credit Card scores 12/16, Fold Card scores 9/16 on the CBL Card Score. Here is every criterion side by side.
 Gemini Credit Card |  Fold Card | |
|---|---|---|
| Custody | 1 of 2 | 1 of 2 |
| Issuer and licence | 2 of 2 | 2 of 2 |
| Availability | 0 of 2 | 0 of 2 |
| FX fee on a foreign-currency purchase | 2 of 2 | 0 of 2 |
| Funding cost | 2 of 2 | 2 of 2 |
| Apple Pay and Google Pay | 2 of 2 | 2 of 2 |
| Freeze and dispute policy | 2 of 2 | 2 of 2 |
| Yield on idle balance | 1 of 2 | 0 of 2 |
| Total | 12 | 9 |
The short verdict: Gemini Credit Card leads overall (12 to 9). Custodial rewards; Gemini Trust states segregation, no foreign transaction fees FX. Health: Watch. Check each profile for what still needs confirming before deciding.
Cashback, as of 20 Oct 2026
| Gemini Credit Card | 4% in crypto on gas, EV charging and transit, on the first $300 of spend a month, then 1%; 3% on dining; 2% on groceries; 1% on everything else (official, card page, checked 20 Oct 2026). Rewards deposit when the transaction posts, in bitcoin or any of more than 50 cryptos on Gemini, switchable at any time (official). Vault Rewards of up to 10% at partner merchants, capped at a limited value per month (official, rewards agreement). Referral bonus of $50 in crypto per referral, up to 50 a year (official). |
| Fold Card | Base rate 0.25% back in bitcoin on all eligible purchases, no cap (official, terms of service, 13 Oct 2026). Boosts above the base rate need a Committed Balance of at least $15,000, with one $5,000 monthly cap on card boosts (official). Fold+ members earn 0.5% on eligible purchases processed as Visa Signature debit, with no guaranteed rate for free members (third-party: CryptoCardHub, updated 11 Aug 2026). Rewards are pending for 30 days after the qualifying event (official). Bitcoin is deposited into the Fold balance (official, card page). |
Cashback is shown as a dated fact and never scored.