Fold Card vs BitPay Card
The short answer
Winner: Fold Card — 7/10 versus 6.3/10. It leads on the blend of fees, trust, and community sentiment.
Fold Card
Full KYC
BitPay Card
ID required
Score
Annual Fee
$149
Free
Monthly Fee
Free
Free
Cashback
2%
0%
ATM Fee
Free
2%
FX Fee
Free
3%
Per transaction
$4k
$8k
Daily limit
$5k
$10k
Monthly limit
$20k
$25k
KYC
Full
ID
Card type
debit
debit
Custody
custodial
custodial
Conversion fee
Free
Free
ATM per tx
$200
$300
Network
visa
mastercard
IBAN
✗
✗
Apple Pay
✓
✗
Google Pay
✗
✗
Countries
1
1
Coins
BTC
BTC, ETH, USDC, XRP
Fold Card vs BitPay 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.