Fold Debit Card* vs. The Gemini Credit Card®
The Gemini Credit Card® is a traditional credit card that offers a nice welcome bonus and ongoing ways to earn bitcoin rewards, with impressive rewards rates on categories popular in most people’s budgets. Fold charges a fee if you want to earn the highest rewards rates, but there’s no annual fee or additional fees to get Gemini’s best rates.
You can check your eligibility for the Gemini card with no impact on your credit. But if you continue with the application after confirming eligibility, it will require a hard pull on your credit. Note that eligibility does not guarantee final approval.
Fold Debit Card* vs. Venmo Credit Card*
The Venmo Credit Card* offers custom cash back for your top two eligible spending categories each month. Earn 3% on your top eligible category and 2% on your next category. The list of categories eligible for the best rates is fairly comprehensive. It includes travel, transportation, dining, nightlife, groceries, entertainment, bills and utilities, health and beauty and gas.
While the Venmo Credit Card* technically earns cash back, it offers a “Cashback to Crypto” feature that automatically purchases the cryptocurrency of your choice with cash back you earn on the card. Cryptocurrencies available through Venmo include bitcoin, ethereum, litecoin, bitcoin cash, solana and chainlink.
Fold Debit Card* vs. Crypto.com Visa Card*
Similar to the Fold card, the Crypto.com Visa Card* is a prepaid card, which means no hard inquiry to your credit. There is a 1% fee to top up your balance, even with a debit card. Topping up with a credit card carries a 2.99% fee, and PayPal has a 2.1% fee.
There’s no annual fee, but the card does have tiered staking requirements to earn more rewards with a higher lockup. It also has varied ATM, transfer and purchase limits with each card tier. Higher tiers include benefits like airport lounge access, and each level offers varying degrees of Spotify and Netflix subscription rebates.