Comparison
Fold Bitcoin Credit Card vs. Fold 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
Fold Bitcoin Credit CardFold
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foldapp.com29 Oct 2026
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
- Fold Bitcoin Credit Card has the higher score (60.97).
| Attribute |
Fold Bitcoin Credit CardFold
Requires KYC
Private
Virtual
Physical
|
Fold CardFold
Requires KYC
Private
Virtual
Physical
|
|---|---|---|
| Score | average | average |
| CostsWeight 25 % | 100 | 90 |
| KYC and privacyWeight 20 % | 35 | 35 |
| FeaturesWeight 15 % | 53 | 77 |
| AvailabilityWeight 10 % | 17 | 17 |
| RewardsWeight 10 % | 64 | 35 |
| TrustWeight 10 % | 80 | 90 |
| CommunityWeight 10 % | not scored | not scored |
| KYC | KYC: ID document | KYC: ID document |
| Limits (entry level) |
|
|
| Basics | ||
| Card form (differs) |
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? |
prepaid
foldapp.com checked 28 Oct 2026
Source and check
Source
foldapp.com
Wording at the source
### Fold Prepaid Debit Card Issued by Sutton BankChecked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Card types |
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? |
virtual, physical
foldapp.com checked 29 Oct 2026
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 |
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? |
Visa
foldapp.com checked 29 Oct 2026
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 |
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? |
custodial
foldapp.com checked 30 Oct 2026
Source and check
Source
foldapp.com
Wording at the source
Fold uses the second model, through BitGo.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Funding model (differs) |
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? |
fiat balance
foldapp.com checked 28 Oct 2026
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
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? |
USD
foldapp.com checked 28 Oct 2026
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
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? |
personal
foldapp.com checked 28 Oct 2026
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) |
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? |
Sutton Bank (Member FDIC)
foldapp.com checked 28 Oct 2026
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 (differs) |
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? |
unknown |
| Crypto | ||
| Supported assets |
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? |
BTC
foldapp.com checked 29 Oct 2026
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
foldapp.com checked 29 Oct 2026
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 (differs) |
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? |
Apple Pay
foldapp.com checked 28 Oct 2026
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 (differs) |
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? |
Yes
foldapp.com checked 29 Oct 2026
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 (differs) | unknown |
Yes
foldapp.com checked 29 Oct 2026
Source and check
Source
foldapp.com
Wording at the source
## Tap, swipe, or insert anywhere Visa is acceptedChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Fees | ||
| Virtual card issuance (differs) | unknown |
0.00 USD
foldapp.com checked 28 Oct 2026
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 (differs) | unknown |
0.00 USD
foldapp.com checked 28 Oct 2026
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
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? |
0.00 USD
foldapp.com checked 28 Oct 2026
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 |
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? |
0.00 USD
foldapp.com checked 28 Oct 2026
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) |
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? |
unknown |
| Crypto deposit fee | unknown | unknown |
| Crypto conversion fee (differs) | unknown |
1 %
foldapp.com checked 28 Oct 2026
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) |
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? |
unknown |
| FX free allowance | unknown | unknown |
| Minimum FX fee | unknown | unknown |
| ATM fee (differs) |
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? |
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.)
foldapp.com checked 28 Oct 2026
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? |
| Transaction fee (differs) | unknown |
free
foldapp.com checked 29 Oct 2026
Source and check
Source
foldapp.com
Wording at the source
| Per Purchase | $0 |Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| 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 (differs) | unknown |
0.00 USD
foldapp.com checked 28 Oct 2026
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 (differs) |
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? |
The card account becomes inactive after 6 consecutive months without a transaction initiated by the cardholder; the inactivity fee is $0.
foldapp.com checked 29 Oct 2026
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 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Card replacement (differs) | unknown |
5.00 USD (Lost or stolen cards, standard delivery; expired cards are replaced free; waived for Fold Reserve members.)
foldapp.com checked 28 Oct 2026
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) | 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
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? |
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) |
$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? |
$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 |
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