Comparison
Fold Bitcoin Credit Card vs. PayitFast Card: fees, limits & KYC
-
Illustration
Drawn by us from the provider logo and card colours, not the official card picture.
Drawn on
Fold Bitcoin Credit CardFold
-
Illustration
Drawn by us from the provider logo and card colours, not the official card picture.
Drawn on
PayitFast CardPayitFast
In short
- Fold Bitcoin Credit Card has the lowest foreign currency fee (0 % above the network rate).
- PayitFast Card has the higher score (63.95).
| Attribute |
Fold Bitcoin Credit CardFold
Requires KYC
Private
Virtual
Physical
|
PayitFast CardPayitFast
Requires KYC
Private
Virtual
Physical
Metal
|
|---|---|---|
| Score | average | average with variant Dynamic CVV Metal/ LED (waitlist): 63.89 with variant Signature Jewellery (waitlist): 63.89 |
| CostsWeight 25 % | 100 | 74 |
| KYC and privacyWeight 20 % | 35 | 35 |
| FeaturesWeight 15 % | 53 | 93 |
| AvailabilityWeight 10 % | 17 | not scored |
| RewardsWeight 10 % | 64 | 77 |
| TrustWeight 10 % | 80 | 68 |
| 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
payitfast.com checked 29 Oct 2026
Source and check
Source
payitfast.com
Wording at the source
The PayitFast Card is a collateralized credit card. The credit limit available on your PayitFast Card will be determined by reference to the Market Value of your Collateral and any applicable advance...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Card types (differs) |
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
payitfast.com checked 29 Oct 2026
Source and check
Source
payitfast.com
Wording at the source
| Card issuance (Virtual Platinum) | $5 | Virtual, instant after KYC |Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
physical
payitfast.com checked 29 Oct 2026
Source and check
Source
payitfast.com
Wording at the source
| Physical card issuance (Signature, PVC) | $50 | Join waitlist |Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
physical, metal
payitfast.com checked 29 Oct 2026
Source and check
Source
payitfast.com
Wording at the source
| ATM per-withdrawal limit (Dynamic CVV Metal/ LED) | $5,000 |Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
physical
payitfast.com checked 29 Oct 2026
Source and check
Source
payitfast.com
Wording at the source
| ATM per-withdrawal limit (Signature Jewellery) | $10,000 |Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 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
payitfast.com checked 29 Oct 2026
Source and check
Source
payitfast.com
Wording at the source
The card program is issued by the Issuer under license from Visa.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 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
payitfast.com checked 29 Oct 2026
Source and check
Source
payitfast.com
Wording at the source
"Custodian" means Fireblocks, or another custody or wallet infrastructure provider approved by PayitFast and Rain for the holding and administration of Assets.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 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
payitfast.com checked 29 Oct 2026
Source and check
Source
payitfast.com
Wording at the source
The PayitFast Card is a collateralized credit card. The credit limit available on your PayitFast Card will be determined by reference to the Market Value of your Collateral and any applicable advance...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 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
payitfast.com checked 29 Oct 2026
Source and check
Source
payitfast.com
Wording at the source
Available in USD with US BIN. Additional BINs and supported jurisdictions may be introduced in the future, subject to regulatory approval, commercial arrangements and operational readiness.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 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
payitfast.com checked 29 Oct 2026
Source and check
Source
payitfast.com
Wording at the source
- You will use the PayitFast Card for personal, family, or household use.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 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? |
Third National Bank
payitfast.com checked 29 Oct 2026
Source and check
Source
payitfast.com
Wording at the source
"Issuer" refers to Third National Bank, and any successor or permitted assignee that assumes responsibility as issuer of the PayitFast Card.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Limits depend on (differs) | unknown |
KYC level, plan, account tier, user setting
payitfast.com checked 29 Oct 2026
Source and check
Source
payitfast.com
Wording at the source
Actual fees, exchange rates, processing times, and limits may vary depending on your location, card tier, payment method, blockchain network conditions, third-party service providers, and applicable r...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Cards per account | 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? |
only in the app
payitfast.com checked 29 Oct 2026
Source and check
Source
payitfast.com
Wording at the source
Certain countries may be temporarily unavailable due to regulatory, compliance, or operational requirements. If your country does not appear in the verification list, onboarding services are currently...Checked Verified Check overdue · last 29 Oct 2026 Add this value? Unchanged since 29 Oct 2026 What does [s] mean? |
| 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, USDT, USDC, SOL, BNB, XRP, ADA, DOGE, TRX, DOT, AVAX, XLM, SUI
payitfast.com checked 29 Oct 2026
Source and check
Source
payitfast.com
Wording at the source
| Network | Supported assets | Deposit fee | Withdrawal fee | |---|---|---|---| | Ethereum (ERC-20) | ETH, USDC, USDT, DOGE | Free (excl. network fees) | Network fee only | | BSC (Binance Smart Chain)...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Number of supported assets | unknown | |
| Top-up networks (differs) | unknown |
Bitcoin, Ethereum, Tron, Solana, BNB Smart Chain, Polygon, Arbitrum, Optimism, Avalanche, Stellar, Sui, XRP Ledger
payitfast.com checked 29 Oct 2026
Source and check
Source
payitfast.com
Wording at the source
| Network | Supported assets | Deposit fee | Withdrawal fee | |---|---|---|---| | Ethereum (ERC-20) | ETH, USDC, USDT, DOGE | Free (excl. network fees) | Network fee only | | BSC (Binance Smart Chain)...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? + 3 moreBitcoinEthereumTronSolanaBNB Smart ChainPolygonArbitrumOptimismAvalancheStellarSuiXRP LedgerCardanoDogecoinPolkadot |
| Fiat top-up (differs) | unknown |
Yes
payitfast.com checked 29 Oct 2026
Source and check
Source
payitfast.com
Wording at the source
Fund your account through cards, digital wallets, bank transfer, or crypto.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 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
payitfast.com checked 29 Oct 2026
Source and check
Source
payitfast.com
Wording at the source
Link your wallet and load stablecoins to make payment via Apple Pay or Google Pay.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 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
payitfast.com checked 29 Oct 2026
Two sources, two values
ShownYes
payitfast.comchecked 29 Oct 2026
### ATM WITHDRAWAL FEES & LIMITS | Item | Amount | |---|---| | ATM withdrawal fee (USD) | $2 flat + 1.30% of amount |DifferingNo payitfast.comfetched 29 Oct 2026 Cash advances and balance transfers are not available under these Card Terms.Our verifier confirmed the shown value; the differing source is being checked. Check overdue · last 29 Oct 2026 Value wrong? History What does [s] mean? |
| Contactless (differs) | unknown |
Yes
payitfast.com checked 29 Oct 2026
Source and check
Source
payitfast.com
Wording at the source
| Contactless (tap to pay) | 0% |Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Fees | ||
| Virtual card issuance (differs) | unknown |
5.00 USD
payitfast.com checked 29 Oct 2026
Source and check
Source
payitfast.com
Wording at the source
| Card issuance (Virtual Platinum) | $5 | Virtual, instant after KYC |Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Physical card issuance | unknown |
50.00 USD
payitfast.com checked 29 Oct 2026
Source and check
Source
payitfast.com
Wording at the source
| Physical card issuance (Signature, PVC) | $50 | Join waitlist |Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Free cards | unknown | |
| Shipping | 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
payitfast.com checked 29 Oct 2026
Source and check
Source
payitfast.com
Wording at the source
| Monthly card fee | Free | No maintenance fee |Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 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? |
|
| 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? |
|
| Crypto deposit fee | unknown | |
| Crypto conversion fee (differs) | unknown |
0.75 %
payitfast.com checked 29 Oct 2026
Source and check
Source
payitfast.com
Wording at the source
| Crypto conversion (spend from crypto balance) | 0.75% per transaction |Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 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? |
1 %
payitfast.com checked 29 Oct 2026
Two sources, two values
Shown1 %
payitfast.comchecked 29 Oct 2026
| FX fee (all non-USD transactions) | 1% |Differing2.2 % payitfast.comfetched 29 Oct 2026 - Foreign Exchange Fee (non USD): 2.2%Our verifier confirmed the shown value; the differing source is being checked. Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| FX free allowance | unknown | |
| Minimum FX fee | 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? |
1.3 % + 2.00 USD
payitfast.com checked 29 Oct 2026
Source and check
Source
payitfast.com
Wording at the source
| ATM withdrawal fee (USD) | $2 flat + 1.30% of amount |Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Transaction fee (differs) | unknown |
free
payitfast.com checked 29 Oct 2026
Source and check
Source
payitfast.com
Wording at the source
| Card spend (USD) | 0% |Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Cross-border fee (differs) | unknown |
2.2 %
payitfast.com checked 29 Oct 2026
Source and check
Source
payitfast.com
Wording at the source
- Cross Border Fee: 2.2%Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Withdrawal fee | unknown | |
| Activation fee | unknown | |
| Minimum top-up | unknown | |
| Declined payment fee (differs) | unknown |
2.00 USD
payitfast.com checked 29 Oct 2026
Source and check
Source
payitfast.com
Wording at the source
| Decline fee (insufficient balance) | $2 per decline |Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Refund fee | unknown | |
| Inactivity fee | unknown | |
| Minimum monthly spend | 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? |
|
| Card replacement | 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 | |
| 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? |
not published
payitfast.com checked 29 Oct 2026
Source and check
Source
payitfast.com
Wording at the source
Referral rewards may be offered to: - the referring participant; - the referred customer; or - both, subject to the conditions of the applicable promotion.Checked Verified Add this value? No earlier versions What does [s] mean? |
| 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? |
not published
payitfast.com checked 29 Oct 2026
Source and check
Source
payitfast.com
Wording at the source
The availability, value, form, eligibility requirements and payment conditions of any referral reward will be displayed in the PayitFast app, website or applicable promotional materials for the releva...Checked Verified Add this value? No earlier versions What does [s] mean? |
| Welcome bonus | unknown | |
Highlighted rows differ.
Values of the chosen variant; without a choice the entry variant (first in the provider's order).
Early warning
Watch both cards
One mail when something changes at Fold Bitcoin Credit Card · PayitFast Card: promotions and bonuses as well as warnings and incidents.