Fold Card vs Gemini Credit Card

Side-by-side comparison of 2 crypto debit cards

	Fold Card 2.5/5 self_custodialvisa	Gemini Credit Card 4.0/5 self_custodialmastercard
Rating
Overall	2.5/5	4.0/5
Fees
Monthly Fee	See card_tiers	$0
Issuance Fee	$0	$0
Rewards
Max Cashback	0.51%	Up to 4% on gas, EV charging, transit & rideshares (up to $300 monthly spend, then 1%), 3% on dining, 2% on groceries, 1% on all other purchases
Features
Apple Pay	Yes	Yes
Google Pay	Yes	Yes
Custody	self_custodial	self_custodial
KYC Required	No KYC	No KYC
Pros & Cons
Pros	Unique gamified rewards system adds excitement to everyday purchases No card issuance fee for either tier Guaranteed 0.5% Bitcoin back on qualifying transactions plus category boosts (up to 1.5%) and merchant boosts (up to 15%) for Fold+ members Enhanced rewards on gift card purchases (up to 20% at select merchants)	No annual fee makes it accessible to most credit-qualified users Instant rewards provide immediate crypto exposure Wide selection of 50+ reward cryptocurrencies offers flexibility Metal card design with enhanced security features
Cons	Currently limited to U.S. residents only Free tier has no guaranteed cashback rate (relies on wheel outcome) $100/year subscription fee for Fold+ may not be worth it for low spenders Rewards limited to Bitcoin only (subject to crypto volatility)	Cannot be used for spending cryptocurrency directly Some users report transaction decline issues affecting reliability Limited to US residents only Caps on high-earning reward categories limit maximum benefits