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

- Flex Business Card has the best score (69.69).

## Basics

|  | Flex Business Card | Fold Bitcoin Credit Card |
| --- | --- | --- |
| Card form | credit | credit |
| Card types | virtual, physical | virtual, physical |
| Card network | Visa | Visa |
| **Custody** | not applicable | custodial |
| Funding model | credit line | credit line |
| Card currencies | USD | USD |
| **Usage** | business | personal |
| **Issuer / BIN sponsor** | Column, N.A. | Celtic Bank |
| Limits depend on | user setting | unknown |
| Cards per account | unknown | unknown |

## Availability

|  | Flex Business Card | Fold Bitcoin Credit Card |
| --- | --- | --- |
| Available in | Available in: United States | Available in: United States |

## Crypto

|  | Flex Business Card | Fold Bitcoin Credit Card |
| --- | --- | --- |
| **Supported assets** | not applicable | BTC |
| Number of supported assets | not applicable | unknown |
| Top-up networks | not applicable | unknown |
| Fiat top-up | not applicable | unknown |

## Payments

|  | Flex Business Card | Fold Bitcoin Credit Card |
| --- | --- | --- |
| Mobile wallets | unknown | Apple Pay, Google Pay |
| ATM withdrawals | unknown | No |
| Contactless | unknown | unknown |

## Fees

|  | Flex Business 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 | 0.00 USD | 0.00 USD |
| Top-up fee | not applicable | not applicable |
| Crypto deposit fee | unknown | unknown |
| Crypto conversion fee | not applicable | unknown |
| Foreign currency fee | unknown | 0 % above the network rate |
| FX free allowance | unknown | unknown |
| Minimum FX fee | unknown | unknown |
| ATM fee | unknown | not applicable |
| 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 | unknown | unknown |
| Minimum monthly spend | unknown | unknown |
| Inactivity rule | unknown | Unredeemed rewards are forfeitable after twelve consecutive months of account inactivity. |
| Card replacement | unknown | unknown |

## Rewards

|  | Flex Business Card | Fold Bitcoin Credit Card |
| --- | --- | --- |
| **Cashback** | 1.75–2 % | 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)

|  | Flex Business Card | Fold Bitcoin Credit Card |
| --- | --- | --- |
| Limits (entry level) | no limits captured | Balance in total not published |

- [Flex Business Card](https://cryptocardss.com/en/flex-business-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/flex-business-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/flex-business-card-vs-fold-bitcoin-credit-card/