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

- Fold Bitcoin Credit Card has the best score (61.54).

## Basics

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

## Availability

|  | Fold Bitcoin Credit Card | Fold Card |
| --- | --- | --- |
| Available in | Available in: United States | unknown |

## Crypto

|  | Fold Bitcoin Credit Card | Fold Card |
| --- | --- | --- |
| Supported assets | BTC | BTC |
| Number of supported assets | unknown | unknown |
| Top-up networks | unknown | unknown |
| Fiat top-up | unknown | Yes |

## Payments

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

## Fees

|  | Fold Bitcoin Credit Card | Fold Card |
| --- | --- | --- |
| Virtual card issuance | unknown | 0.00 USD |
| Physical card issuance | unknown | 0.00 USD |
| 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 | unknown |
| Crypto deposit fee | unknown | unknown |
| Crypto conversion fee | unknown | 1 % |
| Foreign currency fee | 0 % above the network rate | unknown |
| FX free allowance | unknown | unknown |
| Minimum FX fee | unknown | unknown |
| **ATM fee** | not applicable | 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 | unknown | free |
| 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 | 0.00 USD |
| Minimum monthly spend | unknown | unknown |
| **Inactivity rule** | Unredeemed rewards are forfeitable after twelve consecutive months of account inactivity. | 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

|  | Fold Bitcoin Credit Card | Fold Card |
| --- | --- | --- |
| **Cashback** | 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 | 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) | 10 USD | 10 USD |
| Referral bonus (you) | $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. | $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)

|  | Fold Bitcoin Credit Card | Fold Card |
| --- | --- | --- |
| Limits (entry level) | Balance in total not published | Top-up per 24 hours 15,000 USD · Top-up per day 15,000 USD · Spending per transaction 15,000 USD |

- [Fold Bitcoin Credit Card](https://cryptocardss.com/en/fold-bitcoin-credit-card.md)
- [Fold Card](https://cryptocardss.com/en/fold-card.md)

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