Coinbase Card vs Fold Card - HodlCue
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Coinbase Card vs Fold Card

Coinbase Card vs Fold Card: compare effective rewards, reward asset, fees, regulation, and custody in one head-to-head table.

Coinbase Card

Coinbase Card

Coinbase Card lets you spend cryptocurrency directly from your Coinbase account. It is a custodial Visa debit…

VS
Fold Card

Fold Card

Fold Card is a crypto rewards card that lets you earn Bitcoin back on everyday spending. It is a custodial pr…

Head-to-head comparison

Effective rewards

Coinbase Card

1-4% (rotating; 4% on select tokens, 1% on BTC/ETH/DAI)

Fold Card

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

Coinbase Card

Rotating (e.g. XLM, GRT, AMP, RLY at 4%; BTC/ETH/DOGE/DAI at 1%)

Fold Card

Bitcoin (sats)

Staking tier

Coinbase Card

Fold Card

None (Fold+ paid tier boosts perks)

Custody

Coinbase Card

Custodial

Fold Card

Custodial

Annual fee

Coinbase Card

No annual fee

Fold Card

No annual fee (credit card)

FX fee

Coinbase Card

No foreign transaction fee

Fold Card

Verify

ATM fee

Coinbase Card

No Coinbase ATM fee (operator fees may apply)

Fold Card

Verify (debit)

Conversion spread

Coinbase Card

Spread on crypto sold to fund purchase (Coinbase spread)

Fold Card

Rewards bought as BTC; spot pricing

Network

Coinbase Card

Visa

Fold Card

Visa

Apple / Google Pay

Coinbase Card

Yes

Fold Card

Yes

Region availability

Coinbase Card

United States only

Fold Card

United States only

Pros & cons

Coinbase Card

Coinbase Card

Pros

  • Direct spending from Coinbase account
  • No annual or monthly fees
  • Real-time transaction tracking
  • Crypto rewards on eligible purchases
  • Wide Visa acceptance

Cons

  • Custodial - Coinbase holds your keys
  • Conversion fees and spreads apply
  • Not available in all countries
  • Potential taxable events on each spend
Fold Card

Fold Card

Pros

  • Earn Bitcoin on everyday spending
  • Simple custodial setup, no private key management
  • Works wherever Visa is accepted
  • Potential for promotional bonus rewards

Cons

  • Custodial risk: you do not control your Bitcoin
  • Reward rates may vary and can be low
  • Fees may apply for certain transactions
Coinbase Card

Coinbase Card

Coinbase Card lets you spend cryptocurrency directly from your Coinbase account. It is a custodial Visa debit card that converts crypto to fiat at the point of sale.

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Fold Card

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.

Read review

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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