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Comparison

BitPay Card vs. Fold Bitcoin Credit Card compared

  • Illustration Drawn by us from the provider logo and card colours, not the official card picture. Drawn on BitPay CardBitPay
  • Illustration Drawn by us from the provider logo and card colours, not the official card picture. Drawn on Fold Bitcoin Credit CardFold

In short

  • Fold Bitcoin Credit Card has the lowest foreign currency fee (0 % above the network rate).
  • BitPay Card has the higher score (65.17).
Attribute BitPay CardBitPay Requires KYC Private Virtual Physical Fold Bitcoin Credit CardFold Requires KYC Private Virtual Physical
Score good average
CostsWeight 25 % 80 100
KYC and privacyWeight 20 % 35 35
FeaturesWeight 15 % 90 53
AvailabilityWeight 10 % 17 17
RewardsWeight 10 % 100 64
TrustWeight 10 % 80 80
CommunityWeight 10 % not scored not scored
KYC KYC: ID document KYC: ID document
Limits (entry level)
  • Top-up per transaction: 10,000 USD
  • Top-up per day: 10,000 USD
  • Spending per day: 10,000 USD
+5
  • Balance in total: not published
Basics
Card form (differs) prepaid Source and check Source bitpay.com Wording at the source 2. Your Card. The Card is a prepaid card. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? credit Source and check Source foldapp.com Wording at the source A credit card that is all-in on bitcoin. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Card types virtual, physical Source and check Source bitpay.com Wording at the source You may request, be issued, and/or use a physical plastic card (a "Physical Card") or a virtual representation of the card (a "Virtual Card"). Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? virtual, physical Source and check Source foldapp.com Wording at the source This Agreement becomes effective and legally binding on the earliest of the date you activate or first use the Card, whether issued in physical form or as a virtual card through the Fold mobile applic... Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Card network (differs) Mastercard Source and check Source bitpay.com Wording at the source Mastercard® that has been issued to you by Metropolitan Commercial Bank (Member FDIC) pursuant to a license from Mastercard International. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? Visa Source and check Source foldapp.com Wording at the source The Fold Bitcoin Credit Card is issued by Celtic Bank pursuant to a license from Visa U.S.A. Inc. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Custody (differs) unknown custodial Source and check Source foldapp.com Wording at the source Bitcoin custody and exchange services are provided by BitGo and are subject to BitGo's Terms of Use. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Funding model (differs) fiat balance Source and check Source bitpay.com Wording at the source The Card allows you to access funds loaded to your Card Account by you or on your behalf. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? credit line Source and check Source foldapp.com Wording at the source Credit is subject to approval. Applicants are subject to a credit check and must meet applicable lending criteria. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Card currencies USD Source and check Source bitpay.com Wording at the source If you effect a transaction with your Prepaid Mastercard in a currency other than US Dollars, Mastercard will convert the charge into a US Dollar amount. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? USD Source and check Source foldapp.com Wording at the source The Fold Bitcoin Credit Card may only be used for purchases and transactions in U.S. dollars ("USD"). Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Usage personal Source and check Source bitpay.com Wording at the source You must be 18 years old to qualify as a Cardholder. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? personal Source and check Source foldapp.com Wording at the source You may use the Card only for bona fide personal, family, or household purposes to purchase goods and services from merchants that accept the Card and access any other feature we expressly make availa... Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Issuer / BIN sponsor (differs) Metropolitan Commercial Bank Source and check Source bitpay.com Wording at the source Mastercard® that has been issued to you by Metropolitan Commercial Bank (Member FDIC) pursuant to a license from Mastercard International. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? Celtic Bank Source and check Source foldapp.com Wording at the source The Fold Bitcoin Credit Card is issued by Celtic Bank pursuant to a license from Visa U.S.A. Inc. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Limits depend on unknown unknown
Cards per account unknown unknown
Availability
Available in (differs) unknown Available in: United States Source and check Source foldapp.com Wording at the source Available in the U.S. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Crypto
Supported assets (differs) BTC, ETH, USDC, DOGE, LTC, DAI, BCH, MATIC, SHIB, WBTC, APE, USDP Source and check Source bitpay.com Wording at the source In addition to Polygon (MATIC), BitPay supports the following cryptocurrencies: - Bitcoin (BTC) - Bitcoin Cash (BCH) - Ethereum (ETH) - Litecoin (LTC) - Dogecoin (DOGE) - Shiba Inu (SHIB) - ApeCoin (... Checked Verified Check overdue · last 29 Oct 2026 Value wrong? History What does [s] mean?
+ 3 more BTCETHUSDCDOGELTCDAIBCHMATICSHIBWBTCAPEUSDPGUSDBUSDEUROC
BTC Source and check Source foldapp.com Wording at the source All rewards paid in bitcoin. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Number of supported assets unknown unknown
Top-up networks unknown unknown
Fiat top-up unknown unknown
Payments
Mobile wallets (differs) Apple Pay Source and check Source bitpay.com Wording at the source Users can add the BitPay crypto debit card to Apple Pay and make purchases wherever Apple Pay is accepted globally. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? Apple Pay Google Pay Source and check Source foldapp.com Wording at the source Pre-filled applications for verified Fold users, quick decisions, instant provisioning to Apple Pay and Google Pay. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
ATM withdrawals (differs) Yes Source and check Source bitpay.com Wording at the source With a PIN, you may use your Card to (i) obtain cash or check your balance at any Automated Teller Machine ("ATM") that bears the Mastercard® Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? No Source and check Source support.foldapp.com Wording at the source ATM withdrawals are NOT AVAILABLE Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Contactless (differs) Yes Source and check Source bitpay.com Wording at the source Apple Pay is not only available for in-app purchases, but contactless purchases in store and online using your iPhone, Apple Watch, iPad, and Mac. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? unknown
Fees
Virtual card issuance (differs) 0.00 USD Source and check Source bitpay.com Wording at the source Virtual Card purchase fee $0.00 We do not charge a fee for this service Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? unknown
Physical card issuance (differs) 0.00 USD Source and check Source bitpay.com Wording at the source Physical Card purchase fee $0.00 We do not charge a fee for this service Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? unknown
Free cards unknown unknown
Shipping unknown unknown
Monthly fee 0.00 USD Source and check Source bitpay.com Wording at the source Monthly fee $0.00 We do not charge a fee for this service Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? 0.00 USD Source and check Source foldapp.com Wording at the source Keep a Reserve balance and every swipe earns at that tier — no monthly fee, no points math, no re-qualifying. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Annual fee (differs) unknown 0.00 USD Source and check Source foldapp.com Wording at the source Annual Fee. There is no annual fee imposed for the issuance or maintenance of the Card. Use of the Card requires an active Fold account in good standing. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Top-up fee (differs) free Source and check Source bitpay.com Wording at the source BitPay loads and reloads $0.00 We do not charge a fee for this service Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? unknown
Crypto deposit fee unknown unknown
Crypto conversion fee unknown unknown
Foreign currency fee (differs) 3 % Source and check Source bitpay.com Wording at the source POS signature purchase We charge 3% when currency conversion is $0.00 (int'l) performed Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? 0 % above the network rate Source and check Source foldapp.com Wording at the source Foreign Transaction Fee. We do not charge a fee for Transactions made in a foreign currency. The card network converts the amount to U.S. dollars using its own procedures. The rate applied on the proc... Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
FX free allowance unknown unknown
Minimum FX fee unknown unknown
ATM fee unknown unknown
Transaction fee unknown unknown
Cross-border fee unknown unknown
Withdrawal fee unknown unknown
Activation fee unknown unknown
Minimum top-up unknown unknown
Declined payment fee unknown unknown
Refund fee unknown unknown
Inactivity fee (differs) 5.00 USD Source and check Source bitpay.com Wording at the source Assessed each month after 90 days of no Dormancy $5.00 transaction Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? unknown
Minimum monthly spend unknown unknown
Inactivity rule (differs) unknown Unredeemed rewards are forfeitable after twelve consecutive months of account inactivity. Source and check Source foldapp.com Wording at the source Rewards that remain unredeemed for twelve (12) consecutive months of account inactivity, or that remain outstanding when your Fold Program Accounts are closed or the Rewards Program terminates, are fo... Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Card replacement unknown unknown
Rewards
Cashback (differs) only in the app Source and check Source bitpay.com Wording at the source Each merchant is different, and the percentage you earn will be shown next to the offer and in the offer details. Checked Verified Check overdue · last 29 Oct 2026 Add this value? Unchanged since 29 Oct 2026 What does [s] mean? 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) (differs) unknown 10 USD Source and check Source support.foldapp.com Wording at the source ## What does the referral-receiver receive? - Your referral gets $10 of bitcoin with their first Fold Debit Card purchase of at least $25. - 100 spins Checked Verified Value wrong? History What does [s] mean?
Referral bonus (you) (differs) 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. Source and check Source support.foldapp.com Wording at the source ## What does the referral-giver receive? - You earn $5 of bitcoin when your referral spends $25 from their Fold balance. - Pro-tip: Suggest your friend purchases a Gift Card. Simplest, fastest, and... Checked Verified Value wrong? History What does [s] mean?
Welcome bonus unknown unknown

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