Monolith Card vs Fold Card
The short answer
Winner: Fold Card — 7/10 versus 6.8/10. It leads on the blend of fees, trust, and community sentiment.
Monolith Card
ID required
Fold Card
Full KYC
Score
Annual Fee
Free
$149
Monthly Fee
Free
Free
Cashback
0%
2%
ATM Fee
2%
Free
FX Fee
1.75%
Free
Per transaction
$2.4k
$4k
Daily limit
$3k
$5k
Monthly limit
$10k
$20k
KYC
ID
Full
Card type
debit
debit
Custody
non-custodial
custodial
Conversion fee
Free
Free
ATM per tx
$100
$200
Network
visa
visa
IBAN
✓
✗
Apple Pay
✓
✓
Google Pay
✗
✗
Countries
16
1
Coins
ETH, USDC, USDT
BTC
Monolith Card vs Fold Card FAQ
On our composite score Fold Card edges ahead (7/10 vs 6.8/10). The right pick still comes down to what you weigh most — fees, privacy, or cashback.