TuyoTuyo
74
Side-by-side card comparison
Tuyo vs Gemini Credit: overall score versus use-case fit
Tuyo Card has the higher Overall Score by 5 points (74 vs 69). Tuyo Card looks stronger for Funds control, Lowest fees, and Transfers, while Gemini Credit Card comes out ahead for Cashback and Travel.
Information checked Aug 30, 202635 official sources reviewed
01 · Overall score versus use-case fit
Tuyo Card is the better all-round starting point
Tuyo Card has the higher Overall Score in this comparison. Gemini Credit Card may be the better fit for Cashback and Travel. A score cannot tell you whether a provider will accept your application or whether every feature will be available where you live, so check the latest provider terms before signing up.
OverallTuyo74Gemini Credit69Higher score
CashbackTuyo39Gemini Credit60Higher score
TravelTuyo42Gemini Credit80Higher score
Funds controlTuyo100Gemini Credit39Higher score
Lowest feesTuyo71Gemini Credit45Higher score
TransfersTuyo72Gemini Credit26Higher score
Choose Tuyo Card if funds control and lowest fees matter most
Tuyo Card comes out ahead for Funds control, Lowest fees, and Transfers in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Self-custody wallet control
- Virtual Visa with both phone wallets
- Multichain USDC funding and spendable Earn
Choose Gemini Credit Card if cashback and travel matter most
Gemini Credit Card comes out ahead for Cashback and Travel in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- No annual or foreign transaction fee
- A 1%-4% crypto reward schedule
- Metal card and three phone wallets
Where each card has the edge
The overall leader does not win every use case, so the reason you want the card matters here.
- Overall Score
- Tuyo74Gemini Credit69
Tuyo Card has the higher Overall Score by 5 points.
- Entry cost & FX
- Tuyo$0 plan · 1–3% FXGemini Credit$0 plan · $0 foreign transaction fee; Mastercard exchange rates and credit interest remain separate FX
Gemini Credit Card has the lower published FX fee ($0 foreign transaction fee; Mastercard exchange rates and credit interest remain separate vs 1–3%).
- Purchase rewards
- Tuyo0% base · up to 100%Gemini Credit1% base · up to 4%
Gemini Credit Card has the higher published base cashback rate (1% vs 0%).
- Funds control
- TuyoSelf-controlled walletGemini CreditCustodial balance
Tuyo Card uses a self-controlled wallet setup, while Gemini Credit Card uses a custodial balance setup. Neither approach is always better, so choose the level of control you are comfortable with.
- Everyday access
- TuyoVirtual · Apple Pay, Google PayGemini CreditVirtual + Physical · Apple Pay, Google Pay
Gemini Credit Card lists more card formats and phone-wallet options (4 vs 3).
- Money movement
- Tuyo1 stablecoin · Stablecoin transfersGemini Credit0 stablecoins · Not modeled
Tuyo Card lists more stablecoins and ways to send money out (2 vs 0).
02 · Read the shortlist
A closer look at the split decision
Start with the strengths that drive each use-case result, then test them against costs and access.
- Cashback
- 0%-100%
- Plan cost
- $0
- FX fee
- 1–3%
- ATM fee
- Not available
- Card formats
- Virtual
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 1 crypto · 1 fiat
- Payout methods
- 1 crypto · 0 fiat
- Cashback
- 1%-4%
- Plan cost
- $0
- FX fee
- $0 foreign transaction fee; Mastercard exchange rates and credit interest remain separate
- ATM fee
- 3–29.49%
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 0 crypto · 0 fiat
- Payout methods
- 0 crypto · 0 fiat
03 · Compare the details
See how the trade-offs line up
Comparable figures receive a marker; missing or unverified details stay visible instead of becoming an assumed advantage.
Best known Not disclosed
CardsTuyo CardOverall74Gemini Credit CardOverall69
Tuyo CardOverall74Gemini Credit CardOverall69Scores
6 fields- Overall Score
- Tuyo Card74Gemini Credit Card69
- Cashback score
- Tuyo Card39Gemini Credit Card60
- Travel score
- Tuyo Card42Gemini Credit Card80
- Funds control score
- Tuyo Card100Gemini Credit Card39
- Lowest fees score
- Tuyo Card71Gemini Credit Card45
- Transfers score
- Tuyo Card72Gemini Credit Card26
Strengths & trade-offs
2 fields- Strengths
- Tuyo CardSelf-custody wallet control, Virtual Visa with both phone walletsGemini Credit CardNo annual or foreign transaction fee, A 1%-4% crypto reward schedule
- Trade-offs
- Tuyo CardReward value is unpredictable, Virtual-only with no ATM accessGemini Credit CardVariable APR and costly cash advances, Applications are limited to the United States
Costs
7 fields- Plan cost
- Tuyo Card$0Gemini Credit Card$0
- FX fee
- Tuyo Card1–3%Gemini Credit Card$0 foreign transaction fee; Mastercard exchange rates and credit interest remain separate
- Top-up fee
- Tuyo CardNot disclosedGemini Credit CardNot applicable; linked-bank and check routes repay the credit account
- Card spending fee
- Tuyo Card0%Gemini Credit Card0%
- ATM fee
- Tuyo CardNot availableGemini Credit Card3–29.49%
- Virtual card
- Tuyo CardFreeGemini Credit CardNot disclosed
- Physical card
- Tuyo CardComing soon; not currently availableGemini Credit CardNot disclosed
Plans
2 fields- Available plans
- Tuyo CardNot disclosedGemini Credit CardNot disclosed
- Top cashback plan
- Tuyo CardNot disclosedGemini Credit CardNot disclosed
Everyday use
8 fields- Network
- Tuyo CardVisaGemini Credit CardMastercard
- Card formats
- Tuyo CardVirtualGemini Credit CardVirtual, Physical
- ATM withdrawals
- Tuyo CardNot availableGemini Credit CardAvailable
- Mobile wallets
- Tuyo CardApple Pay, Google PayGemini Credit CardApple Pay, Google Pay
- Apps
- Tuyo CardiOS, AndroidGemini Credit CardiOS, Android, Web
- Daily spending limit
- Tuyo CardUp to $10,000 per day; limits can change with usage and account history.Gemini Credit CardApplicant-specific credit limit; no reusable daily purchase limit is published
- Monthly spending limit
- Tuyo CardNo fixed monthly card-spend limit is publicly disclosed.Gemini Credit CardApplicant-specific credit limit; no reusable monthly purchase limit is published
- ATM limit
- Tuyo CardATM withdrawals are not currently supported.Gemini Credit Card$1,000 daily and no more than 10% of the total credit limit
Funding & transfers
5 fields- Networks
- Tuyo CardEthereum, Base, Arbitrum, Optimism, PolygonGemini Credit CardNot disclosed
- Crypto deposits
- Tuyo CardStablecoins: USDCGemini Credit CardNot disclosed
- Fiat deposits
- Tuyo CardVirtual-account receivingGemini Credit CardNot disclosed
- Transfers
- Tuyo CardStablecoin transfersGemini Credit CardNot disclosed
- Payout currencies
- Tuyo CardNot disclosedGemini Credit CardNot disclosed
Rewards
3 fields- Base cashback
- Tuyo Card0%Gemini Credit Card1%
- Max cashback
- Tuyo Card100%Gemini Credit Card4%
- Reward currency
- Tuyo CardUSDGemini Credit CardSelected eligible crypto asset
Earn
5 fields- Advertised APY
- Tuyo CardUp to 11% APYGemini Credit CardUp to 2.1% APY
- How it works
- Tuyo CardEarn on spending balance, Optional earn vaultGemini Credit CardOptional earn vault
- Separate deposit
- Tuyo CardYesGemini Credit CardNo
- Use balance for spending
- Tuyo CardYesGemini Credit CardNo
- Lock-up
- Tuyo CardNot disclosedGemini Credit CardNot disclosed
Trust & availability
7 fields- Custody
- Tuyo CardSelf-custodyGemini Credit CardCustodial
- Control until payment
- Tuyo CardYou keep controlGemini Credit CardProvider controls funds
- Card issuer
- Tuyo CardThird NationalGemini Credit CardWebBank
- Card processing
- Tuyo CardSignify Holdings, Inc. (Rain)Gemini Credit CardGemini Constellation, LLC
- Custody / key management
- Tuyo CardNot disclosedGemini Credit CardGemini Trust Company, LLC / Gemini Moonbase, LLC
- Deposits & withdrawals
- Tuyo CardBridge Ventures, Inc. (Bridge)Gemini Credit CardNot disclosed
- Bank transfers
- Tuyo CardBANEX Microfinance Bank LimitedGemini Credit CardNot disclosed
Sources
2 fields- Official sources
- Tuyo Card12Gemini Credit Card23
- Last reviewed
- Tuyo CardAug 5, 2026Gemini Credit CardAug 30, 2026
04 · The trade-off
Tuyo Card is the stronger all-round choice
Tuyo Card finishes ahead with an Overall Score of 74 versus 69 for Gemini Credit Card. Gemini Credit Card has the lower published FX fee ($0 foreign transaction fee; Mastercard exchange rates and credit interest remain separate vs 1–3%). Gemini Credit Card has the higher published base cashback rate (1% vs 0%).
Gemini Credit Card still comes out ahead for Cashback and Travel, which may matter more than the overall result if that is how you plan to use the card. Tuyo Card uses a self-controlled wallet setup, while Gemini Credit Card uses a custodial balance setup. Neither approach is always better, so choose the level of control you are comfortable with.
Tuyo Card lists more stablecoins and ways to send money out (2 vs 0). Before applying, confirm availability in your country and recheck the provider's current fees and reward conditions.
If one card now looks like the better fit, you can check the latest application terms on the provider site or read our full Tuyo Card and Gemini Credit Card reviews first.
Continue with
Tuyo Card
Continue with
Gemini Credit Card
05 · Common questions
Tuyo vs Gemini Credit FAQ
Is Tuyo or Gemini Credit better overall?
Tuyo Card has the higher Overall Score (74 vs 69). That does not make it better for everyone: your preferred fees, rewards, way of holding funds and country availability can change the practical choice.
Which has lower fees, Tuyo or Gemini Credit?
Gemini Credit Card has the lower published FX fee ($0 foreign transaction fee; Mastercard exchange rates and credit interest remain separate vs 1–3%). Compare plan, FX, card-spend, top-up and ATM charges separately because one fee does not represent the full cost.
Which has better cashback, Tuyo or Gemini Credit?
Gemini Credit Card has the higher published base cashback rate (1% vs 0%). Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do Tuyo and Gemini Credit differ on custody?
Tuyo Card uses a self-controlled wallet setup, while Gemini Credit Card uses a custodial balance setup. Neither approach is always better, so choose the level of control you are comfortable with.
How current is this Tuyo vs Gemini Credit comparison?
The latest information check for these two cards was August 30, 2026, using 35 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.