Fold Card vs Gemini Credit Card
The short answer
Winner: Fold Card — 6.8/10 versus 6.6/10. It leads on the blend of fees, trust, and community sentiment.
Updated July 2026
Fold Card
KYC
Gemini Credit Card
KYC
Score
Annual fee
$149
Free
Monthly fee
Free
Free
Cashback
0%
4%
ATM fee
Free
3%
FX fee
3%
Free
Per transaction
$15k
Unlimited
Daily limit
$15k
Unlimited
Monthly limit
$50k
Unlimited
KYC
KYC
KYC
Card type
Debit
Credit
Custody
Custodial
Custodial
Conversion fee
1.5%
Free
ATM per transaction
$400
Unlimited
Network
visa
mastercard
IBAN
✗
✗
Apple Pay
✓
✓
Google Pay
✗
✓
Countries
1
1
Coins
BTC
BTC, ETH, MATIC, SOL, USDC, XRP
Fold Card vs Gemini Credit Card FAQ
On our composite score Fold Card edges ahead (6.8/10 vs 6.6/10). The right pick still comes down to what you weigh most — fees, privacy, or cashback.