Provider comparison
Fold Card vs Plutus 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 Plutus Card is a non-custodial crypto card that lets you earn up to 3% crypto back on everyday purchases,…
Effective rewards
Fold Card
Plutus Card
Reward asset
Fold Card
Plutus Card
Staking tier
Fold Card
Plutus Card
Custody
Fold Card
Plutus Card
Annual fee
Fold Card
Plutus Card
FX fee
Fold Card
Plutus Card
ATM fee
Fold Card
Plutus Card
Conversion spread
Fold Card
Plutus Card
Network
Fold Card
Plutus Card
Apple / Google Pay
Fold Card
Plutus Card
Region availability
Fold Card
Plutus Card
| Feature | Fold Card | Plutus 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 | 3-9% PLU but only on eligible spend of GBP250-GBP1,000/month by plan; blended effective rate low |
| Reward asset | Bitcoin (sats) | PLU |
| Staking tier | None (Fold+ paid tier boosts perks) | Paid plan required (Starter GBP6.99 / Everyday GBP9.99 / Premium GBP19.99); optional PLU stake boosts rate/perks |
| Custody | Custodial | Custodial |
| Annual fee | No annual fee (credit card) | Subscription-based (see plans) |
| FX fee | Verify | ~2.5% |
| ATM fee | Verify (debit) | Verify (limited free allowance) |
| Conversion spread | Rewards bought as BTC; spot pricing | Fund from fiat/crypto; spread on top-up |
| Network | Visa | Visa |
| Apple / Google Pay | Yes | Yes |
| Region availability | United States only | UK and EEA |
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.
Plutus Card
The Plutus Card is a non-custodial crypto card that lets you earn up to 3% crypto back on everyday purchases, combining a prepaid debit card with a self-custodial wallet.
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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