Comparison
Fold Bitcoin Credit Card vs. Pyra 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
-
Illustration
Drawn by us from the provider logo and card colours, not the official card picture.
Drawn on
Pyra CardPyra
In short
- Fold Bitcoin Credit Card has the higher score (60.97).
| Attribute |
Fold Bitcoin Credit CardFold
Requires KYC
Private
Virtual
Physical
|
Pyra CardPyra
Requires KYC
Private
Virtual
Physical
|
|---|---|---|
| Score | average | weak |
| CostsWeight 25 % | 100 | 0 |
| KYC and privacyWeight 20 % | 35 | 35 |
| FeaturesWeight 15 % | 53 | 100 |
| AvailabilityWeight 10 % | 17 | 97 |
| RewardsWeight 10 % | 64 | not scored |
| TrustWeight 10 % | 80 | 77 |
| 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
docs.pyra.fi checked 29 Oct 2026
Source and check
Source
docs.pyra.fi
Wording at the source
Minimum Interest Charge There is no interest chargeable to this Credit Card.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 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
docs.pyra.fi checked 29 Oct 2026
Source and check
Source
docs.pyra.fi
Wording at the source
We or the Issuer may decide not to grant requests for Pyra Cards or limit the number of physical or virtual Pyra Cards provided to you.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
docs.pyra.fi checked 29 Oct 2026
Source and check
Source
docs.pyra.fi
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 (differs) |
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? |
unknown |
| 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
docs.pyra.fi checked 29 Oct 2026
Source and check
Source
docs.pyra.fi
Wording at the source
The Pyra Protocol is a decentralized finance platform that operates on the blockchain network and extends credit to you based on criteria established solely by the Pyra Protocol and set forth in the P...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
docs.pyra.fi checked 29 Oct 2026
Source and check
Source
docs.pyra.fi
Wording at the source
If you make a transaction using your Account in a foreign currency (including, for example, online purchases from a merchant located outside of the U.S.), the credit card association will convert any...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
docs.pyra.fi checked 29 Oct 2026
Source and check
Source
docs.pyra.fi
Wording at the source
You will use the Pyra 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
docs.pyra.fi checked 29 Oct 2026
Source and check
Source
docs.pyra.fi
Wording at the source
"Issuer" refers to the issuer of the card program. The issuer for this card program is Third National.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 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? |
unknown |
| Number of supported assets | unknown | unknown |
| Top-up networks | unknown | unknown |
| Fiat top-up | unknown | unknown |
| 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? |
unknown |
| 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? |
unknown |
| Contactless | unknown | unknown |
| Fees | ||
| Virtual card issuance (differs) | unknown |
not published
docs.pyra.fi checked 29 Oct 2026
Source and check
Source
docs.pyra.fi
Wording at the source
We will disclose any Fees to you when you are approved for a Pyra Card through your Pyra Account, by updating these Card Terms, or through our website. We may update, add, or change Fees upon 30 days'...Checked Verified Check overdue · last 29 Oct 2026 Add this value? Unchanged since 29 Oct 2026 What does [s] mean? |
| Physical card issuance (differs) | unknown |
not published
docs.pyra.fi checked 29 Oct 2026
Source and check
Source
docs.pyra.fi
Wording at the source
We will disclose any Fees to you when you are approved for a Pyra Card through your Pyra Account, by updating these Card Terms, or through our website. We may update, add, or change Fees upon 30 days'...Checked Verified Check overdue · last 29 Oct 2026 Add this value? Unchanged since 29 Oct 2026 What does [s] mean? |
| Free cards | unknown | unknown |
| Shipping | unknown | unknown |
| 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? |
not published
docs.pyra.fi checked 29 Oct 2026
Source and check
Source
docs.pyra.fi
Wording at the source
We will disclose any Fees to you when you are approved for a Pyra Card through your Pyra Account, by updating these Card Terms, or through our website. We may update, add, or change Fees upon 30 days'...Checked Verified Check overdue · last 29 Oct 2026 Add this value? 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? |
Standard:
unknown
1 more country/regionUnited States: 0.00 USD docs.pyra.fi checked 29 Oct 2026 Source and check Source docs.pyra.fi Wording at the sourceAnnual Fees $0Checked 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? |
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 | unknown | unknown |
| 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 (differs) | unknown |
not published
docs.pyra.fi checked 29 Oct 2026
Source and check
Source
docs.pyra.fi
Wording at the source
We will disclose any Fees to you when you are approved for a Pyra Card through your Pyra Account, by updating these Card Terms, or through our website. We may update, add, or change Fees upon 30 days'...Checked Verified Check overdue · last 29 Oct 2026 Add this value? Unchanged since 29 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 | unknown |
| 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 · Pyra Card: promotions and bonuses as well as warnings and incidents.