Provider comparison
BitPay Card vs Fold Card: compare effective rewards, reward asset, fees, regulation, and custody in one head-to-head table.
The BitPay Card lets you spend supported cryptocurrencies at any merchant that accepts Visa, converting crypt…
Fold Card is a crypto rewards card that lets you earn Bitcoin back on everyday spending. It is a custodial pr…
Effective rewards
BitPay Card
Fold Card
Reward asset
BitPay Card
Fold Card
Staking tier
BitPay Card
Fold Card
Custody
BitPay Card
Fold Card
Annual fee
BitPay Card
Fold Card
FX fee
BitPay Card
Fold Card
ATM fee
BitPay Card
Fold Card
Conversion spread
BitPay Card
Fold Card
Network
BitPay Card
Fold Card
Apple / Google Pay
BitPay Card
Fold Card
Region availability
BitPay Card
Fold Card
| Feature | BitPay Card | Fold Card |
|---|---|---|
| Effective rewards | No base reward on everyday spend | 1.5% back in BTC on credit card; +0.5% for paying balance in BTC; up to 4% on first $2k/month spend |
| Reward asset | None (occasional promos) | Bitcoin (sats) |
| Staking tier | None (Fold+ paid tier boosts perks) | |
| Custody | Custodial | Custodial |
| Annual fee | $0 stated | No annual fee (credit card) |
| FX fee | ~3% foreign transaction fee (poor for travel) | Verify |
| ATM fee | Applies | Verify (debit) |
| Conversion spread | BitPay conversion rate on load | Rewards bought as BTC; spot pricing |
| Network | Mastercard | Visa |
| Apple / Google Pay | Yes | Yes |
| Region availability | United States only; new applications paused (waitlist) | United States only |
BitPay Card
The BitPay Card lets you spend supported cryptocurrencies at any merchant that accepts Visa, converting crypto to fiat at the point of sale. It is a custodial prepaid card issued by BitPay, designed for users who want to use their digital assets for everyday purchases.
Fold Card
Fold Card is a crypto rewards card that lets you earn Bitcoin back on everyday spending. It is a custodial product designed for users who want to accumulate Bitcoin without actively trading.
Risk warning: Cryptocurrency is a volatile, high-risk asset class. Prices can fall as well as rise, and you could lose some or all of the money you put in. Custodial providers carry counterparty risk; self-custody puts key security entirely on you. This page is general information, not financial advice.
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