You should just use them in tandem, imo. The credit card will necessarily have better sats back because you have to pay them interest on any balance you don't instantly pay off. So they are just giving you back a portion of what you pay them. Only the people who never pay interest actually make more sats than what they pay to Gemini. Fold is a debit card and they are just paying you the fee they would normally get as the service provider. Its like pass through affiliate in a way, and they just sell access for a smaller fee. It's actually really clever, imo. But it won't be able to match a credit card simply because there are no interest charges to pay back.

Now, I don't know when it's happening - I'm sure everything will take longer than they want because the banking system is a nightmare - but as i understand there *will* be a credit card as well in the future. And from how I was explained they are doing it you should keep an ear out. 😉