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

- Fold Bitcoin Credit Card has the lowest foreign currency fee (0 % above the network rate).
- Fold Bitcoin Credit Card has the best score (6.8).

Entry variant: PayitFast Card: Virtual Platinum.

## Basics

|  | Fold Bitcoin Credit Card | PayitFast Card |
| --- | --- | --- |
| Card form | credit | credit |
| **Card types** | virtual, physical | virtual |
| Card network | Visa | Visa |
| Custody | custodial | custodial |
| Funding model | credit line | credit line |
| Card currencies | USD | USD |
| Usage | personal | personal |
| **Issuer / BIN sponsor** | Celtic Bank | Third National Bank |
| **Limits depend on** | KYC level | KYC level, plan, account tier, user setting |
| Cards per account | unknown | unknown |

## Availability

|  | Fold Bitcoin Credit Card | PayitFast Card |
| --- | --- | --- |
| **Available in** | Available in: United States | only in the app |

## Crypto

|  | Fold Bitcoin Credit Card | PayitFast Card |
| --- | --- | --- |
| **Supported assets** | BTC | BTC, ETH, USDT, USDC, SOL, BNB, XRP, ADA, DOGE, TRX, DOT, AVAX, XLM, SUI |
| Number of supported assets | unknown | unknown |
| **Top-up networks** | not applicable | Bitcoin, Ethereum, Tron, BNB Smart Chain, Solana, Polygon, Arbitrum, Optimism, Avalanche, Stellar, Sui, XRP Ledger, Cardano, Dogecoin, Polkadot |
| **Fiat top-up** | No | Yes |

## Payments

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

## Fees

|  | Fold Bitcoin Credit Card | PayitFast Card |
| --- | --- | --- |
| Virtual card issuance | unknown | 5.00 USD |
| Physical card issuance | unknown | unknown |
| Free cards | unknown | not published |
| **Shipping** | not published | only in the app |
| Monthly fee | 0.00 USD | 0.00 USD |
| **Annual fee** | 0.00 USD | not published |
| Top-up fee | not applicable | unknown |
| Crypto deposit fee | unknown | unknown |
| **Crypto conversion fee** | not published | 0.75 % |
| **Foreign currency fee** | 0 % above the network rate | 1 % |
| **FX free allowance** | not applicable | not published |
| **Minimum FX fee** | not applicable | not published |
| **ATM fee** | not applicable | 1.3 % + 2.00 USD |
| **Transaction fee** | not published | free |
| **Cross-border fee** | not published | 2.2 % |
| Withdrawal fee | unknown | unknown |
| Activation fee | not published | not published |
| Account closure fee | not published | not published |
| **Dispute fee** | not published | 35.00 USD (Charged for a lost claim; legitimate disputes are free.) |
| Minimum top-up | not applicable | unknown |
| **Declined payment fee** | not published | 2.00 USD |
| Refund fee | not published | not published |
| Inactivity fee | not published | not published |
| Minimum monthly spend | unknown | unknown |
| Inactivity rule | Unredeemed rewards are forfeitable after twelve consecutive months of account inactivity. | unknown |
| Card replacement | 35.00 USD (Per subsequent replacement after one no-charge replacement in a rolling twelve-month period; replacements due to expiration or issuer error are free.) | unknown |

## Rewards

|  | Fold Bitcoin Credit Card | PayitFast 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 | 3 % (Standard · cap 60.00 USDC/month); 3 % (Elite · cap 1,500.00 USDC/month) · in USDC |
| **Referral bonus (invited friend)** | 10 USD | not published |
| **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. | not published |
| Welcome bonus | unknown | unknown |

## Limits (entry level)

|  | Fold Bitcoin Credit Card | PayitFast Card |
| --- | --- | --- |
| Limits (entry level) | Balance in total not published | Spending per day 100,000 USD · Spending per month only in the app · Balance in total only in the app |

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

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- **Canonical URL:** https://cryptocardss.com/en/compare/fold-bitcoin-credit-card-vs-payitfast-card/
- **As of:** 31 Oct 2026
- **Data licence:** CC BY 4.0 (https://creativecommons.org/licenses/by/4.0/)

Please cite: Source: cryptocardss.com (cryptovss), as of 31 Oct 2026, https://cryptocardss.com/en/compare/fold-bitcoin-credit-card-vs-payitfast-card/