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

- BitPay Card has the higher score (65.17).

## Basics

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

## Availability

|  | BitPay Card | Fold Card |
| --- | --- | --- |
| Available in | unknown | unknown |

## Crypto

|  | BitPay Card | Fold 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 | Yes |

## Payments

|  | BitPay Card | Fold Card |
| --- | --- | --- |
| Mobile wallets | Apple Pay | Apple Pay |
| ATM withdrawals | Yes | Yes |
| Contactless | Yes | Yes |

## Fees

|  | BitPay Card | Fold Card |
| --- | --- | --- |
| Virtual card issuance | 0.00 USD | 0.00 USD |
| Physical card issuance | 0.00 USD | 0.00 USD |
| 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 | unknown |
| Crypto deposit fee | unknown | unknown |
| **Crypto conversion fee** | unknown | 1 % |
| **Foreign currency fee** | 3 % | unknown |
| FX free allowance | unknown | unknown |
| Minimum FX fee | unknown | unknown |
| **ATM fee** | unknown | 3.50 USD (Per withdrawal; waived for Fold Reserve members with a Reserve Balance of USD 5,000 or more; ATM operator fees may apply.) |
| Transaction fee | free | free |
| 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 | 0.00 USD |
| Minimum monthly spend | unknown | unknown |
| **Inactivity rule** | Dormancy fee assessed each month after 90 days of no transaction. | The card account becomes inactive after 6 consecutive months without a transaction initiated by the cardholder; the inactivity fee is $0. |
| **Card replacement** | unknown | 5.00 USD (Lost or stolen cards, standard delivery; expired cards are replaced free; waived for Fold Reserve members.) |

## Rewards

|  | BitPay Card | Fold Card |
| --- | --- | --- |
| **Cashback** | only in the app | 0.25 % (level 0); 0.25 % (level 5,000); 0.5 % (level 15,000); 1 % (level 25,000); 1.5 % (level 50,000); 2 % (level 75,000); 3 % (level 100,000) · 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 Card |
| --- | --- | --- |
| Limits (entry level) | Top-up per transaction 10,000 USD · Top-up per day 10,000 USD · Spending per day 10,000 USD | Top-up per 24 hours 15,000 USD · Top-up per day 15,000 USD · Spending per transaction 15,000 USD |

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

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- **Canonical URL:** https://cryptocardss.com/en/compare/bitpay-card-vs-fold-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-card/