# BitPay Card vs. Fold Bitcoin Credit Card: fees, limits & KYC

- Fold Bitcoin Credit Card has the lowest foreign currency fee (0 % above the network rate).
- BitPay Card has the higher score (65.17).

## Basics

|  | BitPay Card | Fold Bitcoin Credit Card |
| --- | --- | --- |
| **Card form** | prepaid | credit |
| Card types | virtual, physical | virtual, physical |
| **Card network** | Mastercard | Visa |
| **Custody** | unknown | custodial |
| **Funding model** | fiat balance | credit line |
| Card currencies | USD | USD |
| Usage | personal | personal |
| **Issuer / BIN sponsor** | Metropolitan Commercial Bank | Celtic Bank |
| Limits depend on | unknown | unknown |
| **Cards per account** | 1 | unknown |

## Availability

|  | BitPay Card | Fold Bitcoin Credit Card |
| --- | --- | --- |
| **Available in** | unknown | Available in: United States |

## Crypto

|  | BitPay Card | Fold Bitcoin Credit Card |
| --- | --- | --- |
| **Supported assets** | BTC, ETH, USDC, DAI, DOGE, LTC, BCH, MATIC, SHIB, WBTC, APE, USDP, GUSD, BUSD, EUROC | BTC |
| Number of supported assets | unknown | unknown |
| Top-up networks | unknown | unknown |
| Fiat top-up | unknown | unknown |

## Payments

|  | BitPay Card | Fold Bitcoin Credit Card |
| --- | --- | --- |
| **Mobile wallets** | Apple Pay | Apple Pay, Google Pay |
| **ATM withdrawals** | Yes | No |
| **Contactless** | Yes | unknown |

## Fees

|  | BitPay Card | Fold Bitcoin Credit Card |
| --- | --- | --- |
| **Virtual card issuance** | 0.00 USD | unknown |
| **Physical card issuance** | 0.00 USD | unknown |
| Free cards | unknown | unknown |
| Shipping | unknown | unknown |
| Monthly fee | 0.00 USD | 0.00 USD |
| **Annual fee** | unknown | 0.00 USD |
| **Top-up fee** | free | not applicable |
| Crypto deposit fee | unknown | unknown |
| Crypto conversion fee | unknown | unknown |
| **Foreign currency fee** | 3 % | 0 % above the network rate |
| FX free allowance | unknown | unknown |
| Minimum FX fee | unknown | unknown |
| **ATM fee** | unknown | not applicable |
| **Transaction fee** | free | unknown |
| Cross-border fee | unknown | unknown |
| Withdrawal fee | unknown | unknown |
| **Activation fee** | 0.00 USD | unknown |
| Minimum top-up | unknown | unknown |
| **Declined payment fee** | 0.00 USD | unknown |
| Refund fee | unknown | unknown |
| **Inactivity fee** | 5.00 USD | unknown |
| Minimum monthly spend | unknown | unknown |
| **Inactivity rule** | Dormancy fee assessed each month after 90 days of no transaction. | Unredeemed rewards are forfeitable after twelve consecutive months of account inactivity. |
| Card replacement | unknown | unknown |

## Rewards

|  | BitPay Card | Fold Bitcoin Credit Card |
| --- | --- | --- |
| **Cashback** | only in the app | 1.5 % (level 0); 1.5 % (level 1); 1.75 % (level 2); 2 % (level 3); 3 % (level 4); 4 % (level 5); 5 % (level 6) · in BTC |
| **Referral bonus (invited friend)** | unknown | 10 USD |
| **Referral bonus (you)** | unknown | $5 of bitcoin when the referral spends $25 from their Fold balance, plus 100 spins and Spin Squad earnings of 1–50 sats on qualifying bitcoin purchases or Fold Debit Card use. |
| Welcome bonus | unknown | unknown |

## Limits (entry level)

|  | BitPay Card | Fold Bitcoin Credit Card |
| --- | --- | --- |
| Limits (entry level) | Top-up per transaction 10,000 USD · Top-up per day 10,000 USD · Spending per day 10,000 USD | Balance in total not published |

- [BitPay Card](https://cryptocardss.com/en/bitpay-card.md)
- [Fold Bitcoin Credit Card](https://cryptocardss.com/en/fold-bitcoin-credit-card.md)

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- **Canonical URL:** https://cryptocardss.com/en/compare/bitpay-card-vs-fold-bitcoin-credit-card/
- **As of:** 30 Oct 2026
- **Data licence:** CC BY 4.0 (https://creativecommons.org/licenses/by/4.0/)

Please cite: Source: cryptocardss.com (cryptovss), as of 30 Oct 2026, https://cryptocardss.com/en/compare/bitpay-card-vs-fold-bitcoin-credit-card/