TuyoTuyo
74
Side-by-side card comparison
Tuyo vs Gemini Credit: same score, different trade-offs
Tuyo Card and Gemini Credit Card share an Overall Score of 74. Tuyo Card looks stronger for Funds control and Lowest fees, while Gemini Credit Card comes out ahead for Cashback, Travel, and Transfers.
Information checked Aug 30, 202635 official sources reviewed
01 · A level score
The scores are tied, but the cards are not the same
Tuyo Card and Gemini Credit Card have the same Overall Score. Start with what matters most to you: day-to-day costs, rewards, control of your funds or moving money. The sections below show how they differ. You should also check that your preferred card is available in your country.
OverallTuyo74Gemini Credit74Same score
CashbackTuyo39Gemini Credit61Higher score
TravelTuyo42Gemini Credit82Higher score
Funds controlTuyo100Gemini Credit57Higher score
Lowest feesTuyo71Gemini Credit45Higher score
TransfersTuyo72Gemini Credit92Higher score
Choose Tuyo Card if funds control and lowest fees matter most
Tuyo Card comes out ahead for Funds control and Lowest fees 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, Travel, and Transfers 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 the cards part company
A tied score can hide meaningful differences in cost, custody, rewards and everyday access.
- Overall Score
- Tuyo74Gemini Credit74
Both cards have the same displayed Overall Score of 74.
- 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 Credit4 stablecoins · Stablecoin transfers; Gemini USD bank transfer
Gemini Credit Card lists more stablecoins and ways to send money out (6 vs 2).
02 · Read the shortlist
A closer look at the tie
The score is level. These quick facts show where the cards still ask you to make a choice.
- 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
- 1 crypto · 1 fiat
- Payout methods
- 1 crypto · 1 fiat
03 · Compare the details
Put the details side by side
We highlight a better number only when both cards publish values that can be compared fairly. Anything missing stays clearly marked.
Best known Not disclosed
CardsTuyo CardOverall74Gemini Credit CardOverall74
Tuyo CardOverall74Gemini Credit CardOverall74Scores
6 fields- Overall Score
- Tuyo Card74Gemini Credit Card74
- Cashback score
- Tuyo Card39Gemini Credit Card61
- Travel score
- Tuyo Card42Gemini Credit Card82
- Funds control score
- Tuyo Card100Gemini Credit Card57
- Lowest fees score
- Tuyo Card71Gemini Credit Card45
- Transfers score
- Tuyo Card72Gemini Credit Card92
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 CardBitcoin, Ethereum, Solana, Arbitrum, Avalanche, Base +2
- Crypto deposits
- Tuyo CardStablecoins: USDCGemini Credit CardOther crypto: Supported Gemini crypto and stablecoins
- Fiat deposits
- Tuyo CardVirtual-account receivingGemini Credit CardUSD bank transfer
- Transfers
- Tuyo CardStablecoin transfersGemini Credit CardStablecoin transfers; Gemini USD bank transfer
- Payout currencies
- Tuyo CardNot disclosedGemini Credit CardUSD
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 closer call
Tuyo Card and Gemini Credit Card need a closer personal call
The Overall Score ends level at 74, so there is no honest all-round winner here. 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%).
Tuyo Card looks stronger for Funds control and Lowest fees, while Gemini Credit Card comes out ahead for Cashback, Travel, and Transfers. 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.
Gemini Credit Card lists more stablecoins and ways to send money out (6 vs 2). Your final check should be whether the card is available where you live and whether the latest provider terms match the features you expect to use.
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 and Gemini Credit Card tie at 74 in the Overall Score. Compare their costs, rewards, way of holding funds and everyday features to decide which suits you.
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.