Comparison
Flex Business Card vs. Fold Bitcoin Credit Card: fees, limits & KYC
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Illustration
Drawn by us from the provider logo and card colours, not the official card picture.
Drawn on
Flex Business CardFlex
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Illustration
Drawn by us from the provider logo and card colours, not the official card picture.
Drawn on
Fold Bitcoin Credit CardFold
In short
- Flex Business Card has the higher score (69.69).
| Attribute |
Flex Business CardFlex
KYC unknown
Business
Virtual
Physical
|
Fold Bitcoin Credit CardFold
Requires KYC
Private
Virtual
Physical
|
|---|---|---|
| Score | good | average |
| CostsWeight 25 % | 100 | 100 |
| KYC and privacyWeight 20 % | not scored | 35 |
| FeaturesWeight 15 % | 100 | 53 |
| AvailabilityWeight 10 % | 17 | 17 |
| RewardsWeight 10 % | 57 | 64 |
| TrustWeight 10 % | 73 | 80 |
| CommunityWeight 10 % | not scored | not scored |
| KYC | KYC unknown | KYC: ID document |
| Limits (entry level) | no limits captured |
|
| Basics | ||
| Card form |
credit
flex.one checked 30 Oct 2026
Source and check
Source
flex.one
Wording at the source
Flexbase Technologies, Inc. ("Flex") is a financial technology company, not a bank. Flex Business Banking and banking services provided by Column N.A., Member FDIC. The Flex Business Reward Card is a...Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
credit
foldapp.com checked 29 Oct 2026
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
flex.one checked 30 Oct 2026
Source and check
Source
flex.one
Wording at the source
- Virtual and physical cardsChecked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
virtual, physical
foldapp.com checked 29 Oct 2026
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 |
Visa
flex.one checked 30 Oct 2026
Source and check
Source
flex.one
Wording at the source
Flexbase Technologies, Inc. ("Flex") is a financial technology company, not a bank. Flex Business Banking and banking services provided by Column N.A., Member FDIC. The Flex Business Reward Card is a...Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
Visa
foldapp.com checked 29 Oct 2026
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) |
not applicable
flex.one checked 29 Oct 2026
Source and check
Source
flex.one
Wording at the source
Flex brings together four products under one platform: Global Banking for local-currency accounts and cross-border payments, stablecoins for a dollar account that moves anywhere in as little as second...Checked Verified Check overdue · last 29 Oct 2026 Add this value? Unchanged since 29 Oct 2026 What does [s] mean? |
custodial
foldapp.com checked 29 Oct 2026
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 |
credit line
flex.one checked 30 Oct 2026
Source and check
Source
flex.one
Wording at the source
Flexbase Technologies, Inc. ("Flex") is a financial technology company, not a bank. Flex Business Banking and banking services provided by Column N.A., Member FDIC. The Flex Business Reward Card is a...Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
credit line
foldapp.com checked 29 Oct 2026
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
flex.one checked 30 Oct 2026
Source and check
Source
flex.one
Wording at the source
$5,000,000 Eligible spend = $100,000 CashbackChecked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
USD
foldapp.com checked 29 Oct 2026
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 (differs) |
business
flex.one checked 30 Oct 2026
Source and check
Source
flex.one
Wording at the source
The Flex Reward Card turns everyday business spend into a source of return and control. Earn high cashback on every dollar your company spends, and issue unlimited physical and virtual cards to employ...Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
personal
foldapp.com checked 29 Oct 2026
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) |
Column, N.A.
flex.one checked 30 Oct 2026
Source and check
Source
flex.one
Wording at the source
Flexbase Technologies, Inc. ("Flex") is a financial technology company, not a bank. Flex Business Banking and banking services provided by Column N.A., Member FDIC. The Flex Business Reward Card is a...Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
Celtic Bank
foldapp.com checked 29 Oct 2026
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 (differs) |
user setting
flex.one checked 30 Oct 2026
Source and check
Source
flex.one
Wording at the source
Set limits, categories, and approval rules on any card the moment you issue it, through the dashboard. Out-of-policy purchases are flagged or blocked automatically, before they ever hit your books. Gi...Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
unknown |
| Cards per account | unknown | unknown |
| Availability | ||
| Available in |
Available in: United States
flex.one checked 29 Oct 2026
Source and check
Source
flex.one
Wording at the source
Reward Card US only Coming Soon Business PersonalChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
Available in: United States
foldapp.com checked 29 Oct 2026
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) |
not applicable
flex.one checked 29 Oct 2026
Source and check
Source
flex.one
Wording at the source
Flex brings together four products under one platform: Global Banking for local-currency accounts and cross-border payments, stablecoins for a dollar account that moves anywhere in as little as second...Checked Verified Check overdue · last 29 Oct 2026 Add this value? Unchanged since 29 Oct 2026 What does [s] mean? |
BTC
foldapp.com checked 29 Oct 2026
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 (differs) |
not applicable
flex.one checked 29 Oct 2026
Source and check
Source
flex.one
Wording at the source
Flex brings together four products under one platform: Global Banking for local-currency accounts and cross-border payments, stablecoins for a dollar account that moves anywhere in as little as second...Checked Verified Check overdue · last 29 Oct 2026 Add this value? Unchanged since 29 Oct 2026 What does [s] mean? |
unknown |
| Top-up networks (differs) |
not applicable
flex.one checked 30 Oct 2026
Source and check
Source
flex.one
Wording at the source
Flexbase Technologies, Inc. ("Flex") is a financial technology company, not a bank. Flex Business Banking and banking services provided by Column N.A., Member FDIC. The Flex Business Reward Card is a...Checked Verified Check overdue · last 30 Oct 2026 Add this value? Unchanged since 29 Oct 2026 What does [s] mean? |
unknown |
| Fiat top-up (differs) |
not applicable
flex.one checked 30 Oct 2026
Source and check
Source
flex.one
Wording at the source
Flexbase Technologies, Inc. ("Flex") is a financial technology company, not a bank. Flex Business Banking and banking services provided by Column N.A., Member FDIC. The Flex Business Reward Card is a...Checked Verified Check overdue · last 30 Oct 2026 Add this value? Unchanged since 29 Oct 2026 What does [s] mean? |
unknown |
| Payments | ||
| Mobile wallets (differs) | unknown |
Apple Pay
Google Pay
foldapp.com checked 29 Oct 2026
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) | unknown |
No
support.foldapp.com checked 29 Oct 2026
Source and check
Source
support.foldapp.com
Wording at the source
ATM withdrawals are NOT AVAILABLEChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Contactless | unknown | unknown |
| Fees | ||
| Virtual card issuance (differs) |
0.00 USD
flex.one checked 29 Oct 2026
Source and check
Source
flex.one
Wording at the source
Unlimited physical and virtual cards FreeChecked 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
flex.one checked 29 Oct 2026
Source and check
Source
flex.one
Wording at the source
Unlimited physical and virtual cards FreeChecked 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
flex.one checked 29 Oct 2026
Source and check
Source
flex.one
Wording at the source
Flex is free to set up and use.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
0.00 USD
foldapp.com checked 29 Oct 2026
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 |
0.00 USD
flex.one checked 29 Oct 2026
Source and check
Source
flex.one
Wording at the source
Flex is free to set up and use.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
0.00 USD
foldapp.com checked 29 Oct 2026
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 |
not applicable
flex.one checked 30 Oct 2026
Source and check
Source
flex.one
Wording at the source
Flexbase Technologies, Inc. ("Flex") is a financial technology company, not a bank. Flex Business Banking and banking services provided by Column N.A., Member FDIC. The Flex Business Reward Card is a...Checked Verified Check overdue · last 30 Oct 2026 Add this value? Unchanged since 29 Oct 2026 What does [s] mean? |
not applicable
foldapp.com checked 29 Oct 2026
Source and check
Source
foldapp.com
Wording at the source
Your "Credit Limit" is the maximum amount of credit that may be accessed through the Account.Checked Verified Check overdue · last 29 Oct 2026 Add this value? Unchanged since 29 Oct 2026 What does [s] mean? |
| Crypto deposit fee | unknown | unknown |
| Crypto conversion fee (differs) |
not applicable
flex.one checked 29 Oct 2026
Source and check
Source
flex.one
Wording at the source
Flex brings together four products under one platform: Global Banking for local-currency accounts and cross-border payments, stablecoins for a dollar account that moves anywhere in as little as second...Checked Verified Check overdue · last 29 Oct 2026 Add this value? Unchanged since 29 Oct 2026 What does [s] mean? |
unknown |
| Foreign currency fee (differs) | unknown |
0 % above the network rate
foldapp.com checked 29 Oct 2026
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 (differs) | unknown |
not applicable
support.foldapp.com checked 29 Oct 2026
Source and check
Source
support.foldapp.com
Wording at the source
ATM withdrawals are NOT AVAILABLEChecked Verified Check overdue · last 29 Oct 2026 Add this value? Unchanged since 29 Oct 2026 What does [s] mean? |
| 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 (differs) | unknown |
Unredeemed rewards are forfeitable after twelve consecutive months of account inactivity.
foldapp.com checked 29 Oct 2026
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) |
1.75–2 %
flex.one checked 30 Oct 2026
Two sources, two values
Shown1.75–2 %
flex.onechecked 30 Oct 2026
Earn up to 2% cashback on all business spend, with no categories to track or caps to manage. Rewards accrue automatically and can be applied to your balance, transferred as points, or deposited into y...Differingvalue not recorded flex.onefetched 29 Oct 2026 Our verifier confirmed the shown value; the differing source is being checked. Check overdue · last 30 Oct 2026 Value wrong? 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
support.foldapp.com checked 29 Oct 2026
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 spinsChecked 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.
support.foldapp.com checked 29 Oct 2026
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 |
Highlighted rows differ.
Early warning
Watch both cards
One mail when something changes at Flex Business Card · Fold Bitcoin Credit Card: promotions and bonuses as well as warnings and incidents.