BitPay Card vs Fold Card
The short answer
Winner: Fold Card — 7/10 versus 6.3/10. It leads on the blend of fees, trust, and community sentiment.
Updated July 2026
BitPay Card
KYC
Fold Card
KYC
Score
Annual fee
Free
$149
Monthly fee
Free
Free
Cashback
0%
0%
ATM fee
2%
Free
FX fee
3%
3%
Per transaction
Unlimited
$15k
Daily limit
$10k
$15k
Monthly limit
Unlimited
$50k
KYC
KYC
KYC
Card type
Debit
Debit
Custody
Custodial
Custodial
Conversion fee
Free
1.5%
ATM per transaction
$2.4k
$400
Network
mastercard
visa
IBAN
✗
✗
Apple Pay
✗
✓
Google Pay
✗
✗
Countries
1
1
Coins
BTC, ETH, USDC, XRP
BTC
BitPay Card vs Fold Card FAQ
On our composite score Fold Card edges ahead (7/10 vs 6.3/10). The right pick still comes down to what you weigh most — fees, privacy, or cashback.