Fold vs Gemini Credit Card
Compare the Fold ($0/yr) against the Gemini Credit Card ($0/yr) to see which card earns you more rewards based on your spending.
See how the Fold and Gemini Credit Card stack up across annual fees, reward rates, and key benefits. Use the calculator below to find which card maximizes your rewards based on your actual spending.
| Feature | Fold | Gemini Credit Card |
|---|---|---|
| Annual Fee | $0 | $0 |
| Sign-Up Bonus | None | $200 after $3,000 spend in 90 days |
| Foreign Transaction Fee | 0% | 0% |
| Base Reward Rate | 3.5% | 1.0% |
| Dining Rewards | 3.5% | 3% |
| Grocery Rewards | 3.5% | 2% |
| Gas Rewards | 3.5% | 4% (up to $3,600/yr) |
| Key Benefits | Up to 3.5% bitcoin back on all purchases. | 4% on gas/EV/transit (up to $300/month), 3% dining, 2% groceries. |
| Issuer | Sutton Bank | WebBank |
Quick Summary
The Fold has a $0 annual fee (same as Gemini Credit Card).
Fold has a higher base reward rate (3.5% vs 1.0%).
Which Card is Better for Your Spending?
Enter your typical monthly spending to see which card earns you more rewards.
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