Fold Card vs Xapo Card
The short answer
Winner: Fold Card — 6.8/10 versus 6/10. It leads on the blend of fees, trust, and community sentiment.
Updated July 2026
Fold Card
KYC
Xapo Card
KYC
Score
Annual fee
$149
$1000
Monthly fee
Free
Free
Cashback
0%
1%
ATM fee
Free
2%
FX fee
3%
Free
Per transaction
$15k
Unlimited
Daily limit
$15k
$750k
Monthly limit
$50k
$300k
KYC
KYC
KYC
Card type
Debit
Debit
Custody
Custodial
Custodial
Conversion fee
1.5%
0.1%
ATM per transaction
$400
$800
Network
visa
visa
IBAN
✗
✓
Apple Pay
✓
✗
Google Pay
✗
✗
Countries
1
41
Coins
BTC
BTC, USDC, USDT
Fold Card vs Xapo Card FAQ
On our composite score Fold Card edges ahead (6.8/10 vs 6/10). The right pick still comes down to what you weigh most — fees, privacy, or cashback.