Fold Card: $15.00Gemini Credit: $10.00on $1,000/mo abroad
Fold Card vs Gemini Credit
Arithmetic on published base numbers, $1,000 of non-USD spend a month: Fold Card 1.5% back minus 0% FX = $15.00; Gemini Credit 1% back minus 0% FX = $10.00. Caps, plan fees and payout rules are not in this number, see the rows below.
Cashback (base)1.5%1%
FX on non-USD0%0%
Cashback limitsnot statednot stated
Costnot statednot stated
Payoutpaid in BTC sats, 30-day lockpaid in crypto, usually within minutes
RegionsUSAUSA
Annual feeFold card $0 (pricing page)No annual fee
ATMIn-network $0; out-of-network $3.50 (free on Fold+)Cash advance: $10 or 3%, whichever is greater
Sourceissuer help centerissuer help center
Base tier numbers. Higher tiers on each fee sheet: Fold Card, Gemini Credit.
Questions answered
Which pays more cashback, Fold Card or Gemini Credit?
Fold Card pays 1.5% on the base tier, Gemini Credit pays 1%. Limits: Fold Card not stated; Gemini Credit not stated.
Which has lower FX fees, Fold Card or Gemini Credit?
Fold Card charges 0% on non-USD purchases, Gemini Credit charges 0%. Published fees only, no receipt data for this pair yet.
Can I get both Fold Card and Gemini Credit where I live?
Fold Card: USA. Gemini Credit: USA.