Monthly spending. We rank on rewards minus the full annual fee, so statement credits and perks are listed separately and never counted for you.
Choosing between the Fold (no annual fee) and the Gemini Credit Card® (no annual fee) comes down to where you spend most. Neither card has an annual fee, so it comes down to where you spend: Fold earns more on flights, hotels, other travel and other purchases, Gemini on dining, groceries and gas. Enter your monthly spending above to see which comes out ahead for you.
1.5% bitcoin back on all purchases (stackable up to 4% with bitcoin activity). Earns a solid 1.5% on everything else.
Perfect if: You want solid rewards without paying an annual fee.
Apply NowStrongest in gas at 4% (up to $3,600/yr). 4% on gas/EV/transit (up to $300/month), 3% dining, 2% groceries.
Perfect if: You want solid rewards without paying an annual fee.
Apply Now| Feature | Fold | Gemini Credit Card |
|---|---|---|
| Annual Fee | $0 | $0 |
| Sign-Up Bonus | None | None |
| Foreign Transaction Fee | 0% | 0% |
| Base Reward Rate | 1.5% | 1% |
| Dining Rewards | 1.5% | 3% |
| Groceries Rewards | 1.5% | 2% |
| Gas Rewards | 1.5% | 4% (up to $3,600/yr) |
| Key Benefits | 1.5% bitcoin back on all purchases (stackable up to 4% with bitcoin activity). | 4% on gas/EV/transit (up to $300/month), 3% dining, 2% groceries. |
Fold pulls ahead for travel spending.
Gemini Credit Card wins on dining, groceries, gas.
Not sure which fits your life? Enter your spending below and we’ll do the math. The calculator ranks purely on rewards minus the full annual fee, so credits and perks are yours to judge.