Updated September 28, 2026 · HodlCue Editorial Team
Fold vs MetaMask Card
Fold
MetaMask Card
Higher score in this comparison
Fold vs MetaMask Card: the differences
| Compare | FoldReviewSee alternativesSee alternatives | MetaMask CardReviewSee alternativesSee alternatives |
|---|---|---|
| Free ATM withdrawals | $0 | $1,200Higher |
| Card type | Prepaid | Debit |
| Card network | Visa | Mastercard |
| Custody | Custodial | Self custody |
| Currency conversion fee | Not confirmed | 0% |
| Top-up fee | Direct deposit $0; instant debit 1.5% of deposit, max $25; cash reload not accepted | Not confirmed |
| Cashback rate | Not confirmed | 1% to 3% |
| Currencies | 1 | Not confirmed |
Same on both: Monthly fee ($0).
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.
Key differences
- MetaMask Card scores higher overall: 9.1 vs 8.7.
- Founded is lower at MetaMask Card: 2016 vs 2019.
- MetaMask Card is available in 44 more countries.
- Free ATM withdrawals is higher at MetaMask Card: $1,200 vs $0.
- Support channels: only Fold offers Phone.
- Support channels: only MetaMask Card offers Chat.
- Features: only Fold offers Custodial.
- Features: only MetaMask Card offers Virtual card, Self custody, Travel.
Our verdict on each
Fold
Fold is a prepaid Visa card for US residents who already hold bitcoin and simply want to spend it. It covers 1 coin and a single currency, so it works as a bitcoin spending tool rather than a venue for trading or for holding a wide basket.
MetaMask Card
MetaMask Card is a self-custody debit card that suits crypto holders who want to spend straight from a wallet they control. It charges a monthly fee of $0, adds a currency conversion fee of 0% and pays cashback of 1% to 3%.
Score breakdown
| Area | Fold | MetaMask Card |
|---|---|---|
| Cost | 9.2Buying costs 0.95% per trade against a 0.2% median, and instant debit top-ups add a capped fee on top. | 9.4HigherNo monthly fee at $0 and a currency conversion fee of 0%, with cashback of 1% to 3% on card spend. |
| Offer | 8.9Narrow by design: 1 coin, 1 currency and custody that is custodial, on a prepaid Visa card. | 9.6Higher |
| Trust | 8.2 | 8.5Higher |
Positions in our rankings
| Ranking | Fold | MetaMask Card |
|---|---|---|
| Crypto debit cards | 69 of 145 | 49 of 145 |
Where each is licensed and available
| Country | Fold | MetaMask Card |
|---|---|---|
| United States | Not confirmed |
Additional countries for Fold: 1. Additional countries for MetaMask Card: 45.
Every fact side by side
| Fact | Fold | MetaMask Card |
|---|---|---|
| Features | Crypto, Custodial | Crypto, Virtual card, Self custody, Travel |
| Legal entity | Fold, Inc. | Consensys Software Inc. |
| Headquarters | United States | United States |
| Founded | 2019 | 2016Lower |
| Support channels | Email, Phone, Help centre, Community | Email, Chat, Help centre, Community |
Crypto exchanges
| Fact | Fold | MetaMask Card |
|---|---|---|
| Taker fee | 0.95% | Not confirmed |
| Coins listed | 1 | Not confirmed |
| Regulators | BitGo Bank and Trust, N.A., Sutton Bank, Member FDIC | Not confirmed |
| Fiat deposit methods | Card, Bank, ACH | Not confirmed |
| Withdrawal fee | Bitcoin network (on-chain) fees, variable; no Fold withdrawal fee | Not confirmed |
| Exchange type | Cex | Not confirmed |
Crypto earn
| Fact | Fold | MetaMask Card |
|---|---|---|
| Supported assets | Bitcoin | Not confirmed |
Where each stands against the rest
| Fact | Fold | MetaMask Card | Median |
|---|---|---|---|
| Monthly fee | $0at the median | $0at the median | $0 |
| Currency conversion fee | Not confirmed | 0%below the median | 0.25% |
| Free ATM withdrawals | $0at the median | $1,200highest quarter | $0 |
| Cashback rate | Not confirmed | 1% to 3%above the median | 2 |
| Currencies | 1lowest quarter | Not confirmed | 30 |
Median across 58 listed providers.
Pros and cons
Fold
Pros
- The monthly fee is $0, and Fold ranks 1 out of 379 on it.
- No Fold withdrawal fee, so cashing out only carries variable on-chain network charges.
- Fiat deposits by card, bank and ach, with direct deposit free of charge.
Cons
- Only 1 coin is listed, against a 62 median, so the offer is narrow.
- Cash machines carry no free allowance: $0, and Fold ranks 38 out of 104 there.
- Fiat deposits cover card, bank and ach only, and instant debit top-ups take a capped fee on the deposit.
MetaMask Card
Pros
- Currency conversion fee of 0%, the strongest result among the cards compared
- Monthly fee of $0, so holding the card adds nothing
- Self-custody, so spending draws on a wallet you control
Cons
- A physical card is not among its listed features (crypto, virtual card and self custody), so the virtual option is the one named
- Support runs on email, chat and help centre, with no phone line for urgent card problems
- Free ATM withdrawals of $1,200 place it at position 3 of 104 on that measure
Who each suits
Fold
Who it suits
- US residents who already hold bitcoin and want to spend it on a prepaid Visa card.
- Weighing Fold against Monzo Flex and Wise on monthly fee: $0, £0 and £0.
- Support-led users who want phone and help-centre access, both covered by email, phone and help centre.
Who should look elsewhere
- Frequent traders, because the taker fee of 0.95% is steep next to the 0.2% median.
- Monzo Flex and Wise users who want to hold several currencies, since Fold covers 1 currency.
- Bitpanda customers who want more than a single asset, since Fold's assets are bitcoin.
MetaMask Card
Who it suits
- Crypto holders who keep funds in self-custody and want a debit card against that wallet
- Travellers who want a Mastercard that spends directly from a wallet they control
- Readers comparing with custodial offers such as Monzo Flex or Bitpanda
Who should look elsewhere
- Anyone wanting a custodial balance held for them, since Monzo Flex and Wise run standard accounts
- Cash machine users, since free withdrawals of $1,200 rank it at position 3 of 104
- Anyone chasing a wider cashback range than 1% to 3%
Current offers
MetaMask Card
Current offer
First period offer
Metal card 3% mUSD back on first spend: 3% mUSD back on first $10,000 spend, then 1%
Metal* card, available in select regions only
Source, checked September 26, 2026
Bonus
Blackbird $FLY token bonus: up to 7X $FLY
MetaMask Card cardholders, US dining benefits
Source, checked September 26, 2026
Discount code
Hotel and travel discounts: up to 60% off hotel stays, extra 4% off checkout for Metal*
Metal* card tier, select regions only
Source, checked September 26, 2026
Country by country
| Country | Fold | MetaMask Card |
|---|---|---|
| Andorra | No | Yes |
| Argentina | No | Yes |
| Austria | No | Yes |
| Belgium | No | Yes |
| Brazil | No | Yes |
| Bulgaria | No | Yes |
| Canada | No | Yes |
| Chile | No | Yes |
8 of 46 countries where either is available.
Questions about each
Fold
How much does the Fold card cost each month?+
The monthly fee is $0, so holding the card is free. It is a prepaid Visa card, which means the balance is funded by top-ups rather than a credit line. Cash machines are the catch: the free withdrawal allowance is $0.
What does it cost to buy bitcoin on Fold?+
The taker fee is 0.95%, well above the 0.2% median here. Fold adds no withdrawal fee of its own, so only variable on-chain network charges stand in the way. Regular trading is where the cost bites hardest.
MetaMask Card
What does it cost to hold the MetaMask Card?+
The monthly fee is $0, so there is no standing charge for keeping the card open. A purchase in a currency you do not hold is charged a conversion fee of 0%. Cashback of 1% to 3% comes back on card spend.
Are there fees for taking cash out?+
Free ATM withdrawals run at $1,200, with charges beyond that set by the cash machine operator. On free withdrawals the card sits at position 3 of 104 in the comparison.
Other options to compare
Fold
MetaMask Card