Comparison
Fold Bitcoin Credit Card vs. Nexo 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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Illustration
Drawn by us from the provider logo and card colours, not the official card picture.
Drawn on
Nexo CardNexo
In short
- Fold Bitcoin Credit Card has the higher score (60.97).
| Attribute |
Fold Bitcoin Credit CardFold
Requires KYC
Private
Virtual
Physical
|
Nexo CardNexo
Requires KYC
Private
Virtual
Physical
|
|---|---|---|
| Score | average | average |
| CostsWeight 25 % | 100 | 90 |
| KYC and privacyWeight 20 % | 35 | 35 |
| FeaturesWeight 15 % | 53 | 81 |
| AvailabilityWeight 10 % | 17 | 40 |
| RewardsWeight 10 % | 64 | 16 |
| TrustWeight 10 % | 80 | 69 |
| CommunityWeight 10 % | not scored | not scored |
| KYC | KYC: ID document | KYC: ID document |
| Limits (entry level) |
|
|
| Basics | ||
| Card form |
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? |
credit
nexo.com checked 29 Oct 2026
Source and check
Source
nexo.com
Wording at the source
Credit Mode is how Nexo delivers a crypto credit card experience. Your crypto stays, you spend borrowed fiat.Checked Verified Check overdue · last 29 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
nexo.com checked 29 Oct 2026
Source and check
Source
nexo.com
Wording at the source
You can use it right away online, through Apple Pay or Google Pay. You can also order your physical card.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Card network (differs) |
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? |
Mastercard
nexo.com checked 29 Oct 2026
Source and check
Source
nexo.com
Wording at the source
- 100M+ merchants worldwide — anywhere Mastercard is accepted.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
nexo.com checked 29 Oct 2026
Source and check
Source
nexo.com
Wording at the source
Industrial-grade custody, instant card freezes, security spending controls, and biometric locks that keep your card experience smooth and uninterrupted.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Funding model |
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? |
credit line
nexo.com checked 29 Oct 2026
Source and check
Source
nexo.com
Wording at the source
Grow your buying power with crypto-backed Credit Lines starting from 1.9% interest.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Card currencies (differs) |
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? |
EUR, GBP, USD
nexo.com checked 28 Oct 2026
Source and check
Source
nexo.com
Wording at the source
For Nexo Cards issued in EUR or GBP: - Base: EUR 200 / GBP 180 - Silver: EUR 400 / GBP 360 - Gold: EUR 1,000 / GBP 900 - Platinum: EUR 2,000 / GBP 1,800 For Nexo Cards issued in USD:Checked Verified Check overdue · last 28 Oct 2026 Value wrong? History 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
nexo.com checked 29 Oct 2026
Source and check
Source
nexo.com
Wording at the source
*The Nexo Card is only available to European Economic Area (EEA) citizens and residents.Checked Verified Check overdue · last 29 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? |
DiPocket
nexo.com checked 29 Oct 2026
Source and check
Source
nexo.com
Wording at the source
The Dual Mode capability on the Nexo Card builds upon the advanced infrastructure already provided by Mastercard and DiPocketChecked Verified Check overdue · last 29 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 (differs) |
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, ETH
nexo.com checked 29 Oct 2026
Source and check
Source
nexo.com
Wording at the source
Combine BTC, ETH, and 100+ supported assets as collateral, then swap them anytime as the market evolves.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 (differs) | unknown |
Ethereum, Tron, Solana
nexo.com checked 29 Oct 2026
Source and check
Source
nexo.com
Wording at the source
### Seamless crypto transfers Receive crypto from external platforms or wallets across 20+ blockchain networks like Ethereum, Solana, and Tron.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Fiat top-up (differs) | unknown |
Yes
nexo.com checked 29 Oct 2026
Source and check
Source
nexo.com
Wording at the source
Fund your account effortlessly. Add funds via bank transfers under your name, or choose from simple alternatives that match your needs. ### Crypto-friendly bank transfers Your personal USD, EUR, an...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Payments | ||
| Mobile wallets |
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
Google Pay
nexo.com checked 29 Oct 2026
Source and check
Source
nexo.com
Wording at the source
Apple Pay and Google Pay supported for smooth, card-free transactions.Checked Verified Check overdue · last 29 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
nexo.com checked 29 Oct 2026
Source and check
Source
nexo.com
Wording at the source
Enjoy up to €2,000 / £1,800 in free ATM withdrawals per month.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Contactless (differs) | unknown |
Yes
nexo.com checked 29 Oct 2026
Source and check
Source
nexo.com
Wording at the source
Apple Pay can be used anywhere that accepts contactless payments, including on transport and in shops, restaurants and cafes worldwide.Checked 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 EUR
nexo.com checked 29 Oct 2026
Source and check
Source
nexo.com
Wording at the source
- Free Virtual Card Issue free a virtual card instantly and use it through our app or with the Apple Pay & Google Pay integrations.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Physical card issuance | unknown | unknown |
| Free cards | unknown | unknown |
| Shipping | unknown |
Standard:
unknown
2 more countries/regionsEEA: 0.00 EUR – 0.00 EUR nexo.com checked 29 Oct 2026 Source and check Source nexo.com Wording at the sourceThe physical Nexo Card is also free, including shipping.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? United Kingdom: 0.00 GBP – 0.00 GBP nexo.com checked 29 Oct 2026 Source and check Source nexo.com Wording at the source There's also free shipping for the physical Nexo Card.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Monthly fee (differs) |
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 EUR
nexo.com checked 29 Oct 2026
Source and check
Source
nexo.com
Wording at the source
- No monthly, annual, or inactivity fees.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Annual fee (differs) |
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 EUR
nexo.com checked 29 Oct 2026
Source and check
Source
nexo.com
Wording at the source
- No monthly, annual, or inactivity fees.Checked Verified Check overdue · last 29 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 | unknown | unknown |
| 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? |
unknown |
| 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 (differs) | unknown |
0.00 EUR
nexo.com checked 29 Oct 2026
Source and check
Source
nexo.com
Wording at the source
- No monthly, annual, or inactivity fees.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? History 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? |
unknown |
| Card replacement | unknown | unknown |
| 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 | 0.1 % (Base); 0.2 % (Silver); 0.3 % (Gold); 0.5 % (Platinum) · in BTC |
| Referral bonus (invited friend) (differs) |
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? |
unknown |
| Referral bonus (you) (differs) |
$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? |
unknown |
| Welcome bonus | unknown | unknown |
Highlighted rows differ.
Early warning
Watch both cards
One mail when something changes at Fold Bitcoin Credit Card · Nexo Card: promotions and bonuses as well as warnings and incidents.