BitPay CardvsFold Card
A metric-by-metric comparison based on published fees and limits. “Best” means the lowest cost or highest reward in that row — not an editorial endorsement.
| Metric | BPMastercard BitPay Card BitPay 4.8/10 Get card | FVisa Fold Card Fold 5.1/10 Get card |
|---|---|---|
| Verdict | ||
| Editor scoreComposite of fees, rewards, transparency and user sentiment | 4.8/10 | Best 5.1/10 |
| Costs | ||
| Annual fee | None | None |
| FX fee | 3% | Best 0% |
| Crypto top-up | 0% | 0% |
| Issuance fee | $9.95 | Best Free |
| ATM fee | 2.5% | Best 2% |
| Rewards | ||
| Max cashback | No cashback | Best 0.3%–5% cashback |
| Payout token | USD | BTC |
| Staking | None | None |
| Perks | Instant card issuance · BitPay merchant network · No credit check | Bitcoin cashback · Spin wheel rewards · No annual fee |
| Access | ||
| KYCNo KYC scored highest, then light KYC | Full KYC | Full KYC |
| Custody | Custodial | Custodial |
| Countries | 1 (United States) | 1 (United States) |
| Max daily spend | $5,000 | $5,000 |
| Monthly ATM limit | Best $1,000 | $500 |
| Mobile wallets | Best Apple Google | |
| Networks | Best Bitcoin, Ethereum, Polygon | Bitcoin |
| Top-up tokens | Best BTC, ETH, USDC, USDT, DOGE | BTC |
| Issuer | BitPay | Fold |
| Network | Mastercard | Visa |
The quick verdict
Fold Card pays the highest headline cashback at 5%, but check the staking requirement: none.
Fold Card is the cheaper travel card at 0% FX, while BitPay Card wins on annual cost at $0.
Both cards are available in 1 and 1 countries respectively. If your country is not on one of those lists, the choice is already made for you.
BitPay Card vs Fold Card — FAQ
Which is better, BitPay Card or Fold Card?+
Fold Card has the higher editor score. BitPay Card pays No cashback with 3% FX, while Fold Card pays 0.3%–5% cashback with 0% FX. The right choice depends on whether you value cashback, low FX, self-custody or country availability more.
Which card has lower fees, BitPay Card or Fold Card?+
BitPay Card has a no annual fee annual fee, 0% top-up fee and 3% FX. Fold Card has a no annual fee annual fee, 0% top-up fee and 0% FX. The winner depends on your spend currency and funding token; run the net return calculator for your own numbers.
Can I use BitPay Card and Fold Card together?+
Yes, in most jurisdictions there is no restriction on holding multiple crypto cards. A common setup is using the lowest-FX card for travel and the highest-cashback card for domestic or online spend.