Provider comparison
Fold Card vs Nexo Card: compare effective rewards, reward asset, fees, regulation, and custody in one head-to-head table.
Fold Card is a crypto rewards card that lets you earn Bitcoin back on everyday spending. It is a custodial pr…
The Nexo Card is a crypto-backed credit card that lets you spend without selling your assets. It offers crypt…
Effective rewards
Fold Card
Nexo Card
Reward asset
Fold Card
Nexo Card
Staking tier
Fold Card
Nexo Card
Custody
Fold Card
Nexo Card
Annual fee
Fold Card
Nexo Card
FX fee
Fold Card
Nexo Card
ATM fee
Fold Card
Nexo Card
Conversion spread
Fold Card
Nexo Card
Network
Fold Card
Nexo Card
Apple / Google Pay
Fold Card
Nexo Card
Region availability
Fold Card
Nexo Card
| Feature | Fold Card | Nexo Card |
|---|---|---|
| Effective rewards | 1.5% back in BTC on credit card; +0.5% for paying balance in BTC; up to 4% on first $2k/month spend | 0.5-2% (credit-mode purchases only, not debit) |
| Reward asset | Bitcoin (sats) | NEXO (up to 2%) or BTC (up to 0.5%) |
| Staking tier | None (Fold+ paid tier boosts perks) | Loyalty tier by NEXO-to-portfolio ratio; higher cashback needs >~$5k portfolio and NEXO holdings |
| Custody | Custodial | Custodial |
| Annual fee | No annual fee (credit card) | No monthly or annual fee |
| FX fee | Verify | FX fee applies even in EEA/UK, higher on weekends |
| ATM fee | Verify (debit) | Free to monthly limit by loyalty tier, then fee |
| Conversion spread | Rewards bought as BTC; spot pricing | Standard, applies on debit-mode conversions |
| Network | Visa | Mastercard |
| Apple / Google Pay | Yes | Yes |
| Region availability | United States only | EEA and UK only (exited US 2024); physical card orders temporarily paused |
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.
Nexo Card
The Nexo Card is a crypto-backed credit card that lets you spend without selling your assets. It offers crypto rewards on everyday purchases, but is custodial and requires careful review of terms.
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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