Ether.fi Card vs Fold Card
The short answer
Winner: Ether.fi Card — 7.4/10 versus 7/10. It leads on the blend of fees, trust, and community sentiment.
Updated July 2026
Ether.fi Card
KYC
Fold Card
KYC
Score
Annual fee
Free
$149
Monthly fee
Free
Free
Cashback
2%
0%
ATM fee
2%
Free
FX fee
Free
3%
Per transaction
Unlimited
$15k
Daily limit
$30k
$15k
Monthly limit
Unlimited
$50k
KYC
KYC
KYC
Card type
Credit
Debit
Custody
Non-custodial
Custodial
Conversion fee
Free
1.5%
ATM per transaction
$100
$400
Network
visa
visa
IBAN
✗
✗
Apple Pay
✓
✓
Google Pay
✓
✗
Countries
10
1
Coins
ETH, USDC
BTC
Ether.fi Card vs Fold Card FAQ
On our composite score Ether.fi Card edges ahead (7.4/10 vs 7/10). The right pick still comes down to what you weigh most — fees, privacy, or cashback.