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Comparison

BitPay Card vs. Fold Card compared

  • Illustration Drawn by us from the provider logo and card colours, not the official card picture. Drawn on BitPay CardBitPay
  • Image source Source foldapp.com Retrieved on Logos and card pictures are trademarks of their owners and are shown for identification only. Fold CardFold

In short

  • BitPay Card has the higher score (65.17).
Attribute BitPay CardBitPay Fold CardFold
Score good average
CostsWeight 25 % 80 90
KYC and privacyWeight 20 % 35 35
FeaturesWeight 15 % 90 77
AvailabilityWeight 10 % 17 17
RewardsWeight 10 % 100 35
TrustWeight 10 % 80 90
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
  • Top-up per 24 hours: 15,000 USD
  • Top-up per day: 15,000 USD
  • Spending per transaction: 15,000 USD
+6
Basics
Card form 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? prepaid Source and check Source foldapp.com Wording at the source ### Fold Prepaid Debit Card Issued by Sutton Bank Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 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 Open a Fold account from the app and request your card. Use a virtual card right away while the physical one ships. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 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 Card runs on the Visa network, so it works at virtually every merchant in the country and at ATMs when you need cash. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
Custody (differs) unknown custodial Source and check Source foldapp.com Wording at the source Fold uses the second model, through BitGo. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
Funding model 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? fiat balance Source and check Source foldapp.com Wording at the source You must have enough funds loaded onto your Card Account to pay for your purchase and you must have enough funds not subject to a hold (see Merchant Holds on Available Funds). Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 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 Prepaid Debit Card is limited to loads and spends in U.S. dollars ("USD"). Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 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 The Card is for personal use only. You agree not to use the Card for business purposes. Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 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? Sutton Bank (Member FDIC) Source and check Source foldapp.com Wording at the source The Fold Prepaid Debit Card is issued by Sutton Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc. Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
Limits depend on unknown unknown
Cards per account unknown unknown
Availability
Available in unknown unknown
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 Set up direct deposit, transfer in from a linked account, or load funds instantly. Move bitcoin to your cash balance anytime for spending. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
Number of supported assets unknown unknown
Top-up networks unknown unknown
Fiat top-up (differs) unknown Yes Source and check Source foldapp.com Wording at the source Set up direct deposit, transfer in from a linked account, or load funds instantly. Move bitcoin to your cash balance anytime for spending. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
Payments
Mobile wallets 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 Source and check Source foldapp.com Wording at the source For each of the Fold Prepaid Debit Card and Fold Bitcoin Credit Card (defined below), you acknowledge and agree that your use of Apple Pay or other mobile payment platforms in connection with such Car... Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
ATM withdrawals 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? Yes Source and check Source foldapp.com Wording at the source The Fold Card runs on the Visa network, so it works at virtually every merchant in the country and at ATMs when you need cash. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
Contactless 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? Yes Source and check Source foldapp.com Wording at the source ## Tap, swipe, or insert anywhere Visa is accepted Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
Fees
Virtual card issuance 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? 0.00 USD Source and check Source foldapp.com Wording at the source | Card Purchase | $0 | Fee charged for purchase of the Fold Visa® Prepaid Debit Card. Additional cards and replacement cards are available for the fees described below. | Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
Physical card issuance 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? 0.00 USD Source and check Source foldapp.com Wording at the source | Card Purchase | $0 | Fee charged for purchase of the Fold Visa® Prepaid Debit Card. Additional cards and replacement cards are available for the fees described below. | Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
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 | Annual or Monthly Fee | $0 | There is no annual or monthly fee. | Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
Annual fee (differs) unknown 0.00 USD Source and check Source foldapp.com Wording at the source | Annual or Monthly Fee | $0 | There is no annual or monthly fee. | Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 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 (differs) unknown 1 % Source and check Source foldapp.com Wording at the source If you are not a Fold Reserve member, or your Committed Balance is below $5,000, a Transaction Fee of 1% applies to each Fold Bitcoin Buying transaction, including, but not limited to, transactions ma... Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
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? unknown
FX free allowance unknown unknown
Minimum FX fee unknown unknown
ATM fee (differs) 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.) Source and check Source foldapp.com Wording at the source | ATM Withdrawal | $3.50 per withdrawal | This fee is waived for Fold Reserve members with a Reserve Balance of $5,000 or more. You may be charged a fee by the ATM operator even if you do not complete... Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
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? 0.00 USD Source and check Source foldapp.com Wording at the source | Inactivity Fee | $0 | Card Account becomes inactive when you fail to initiate a transaction for 6 consecutive months. Fee is charged on a per month basis. | Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
Minimum monthly spend unknown unknown
Inactivity rule unknown unknown
Card replacement (differs) unknown 5.00 USD (Lost or stolen cards, standard delivery; expired cards are replaced free; waived for Fold Reserve members.) Source and check Source foldapp.com Wording at the source | Replacement Card (Standard Delivery) | $5.00 | Per replacement card ordered. This fee is for lost or stolen Cards only. No fee will be incurred to replace expired Cards. This fee is waived for Fold... Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
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? 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) (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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