Fold Card vs Rain Card
The short answer
Winner: Rain Card — 7.5/10 versus 7/10. It leads on the blend of fees, trust, and community sentiment.
Fold Card
Full KYC
Rain Card
Email only
Score
Annual Fee
$149
Free
Monthly Fee
Free
Free
Cashback
2%
1%
ATM Fee
Free
Free
FX Fee
Free
Free
Per transaction
$4k
$3k
Daily limit
$5k
$5k
Monthly limit
$20k
$20k
KYC
Full
Email
Card type
debit
debit
Custody
custodial
non-custodial
Conversion fee
Free
Free
ATM per tx
$200
$200
Network
visa
visa
IBAN
✗
✗
Apple Pay
✓
✓
Google Pay
✗
✓
Countries
1
1
Coins
BTC
ETH, USDC
Fold Card vs Rain Card FAQ
On our composite score Rain Card edges ahead (7.5/10 vs 7/10). The right pick still comes down to what you weigh most — fees, privacy, or cashback.