Plutus Card vs Fold Card
The short answer
Winner: Plutus Card — 7.2/10 versus 7/10. It leads on the blend of fees, trust, and community sentiment.
Updated July 2026
Plutus Card
KYC
Fold Card
KYC
Score
Annual fee
Free
$149
Monthly fee
$6.99
Free
Cashback
3%
0%
ATM fee
2.5%
Free
FX fee
2.5%
3%
Per transaction
$500k
$15k
Daily limit
$500k
$15k
Monthly limit
$1000k
$50k
KYC
KYC
KYC
Card type
Debit
Debit
Custody
Custodial
Custodial
Conversion fee
Free
1.5%
ATM per transaction
Unlimited
$400
Network
visa
visa
IBAN
✗
✗
Apple Pay
✓
✓
Google Pay
✓
✗
Countries
15
1
Coins
BTC, ETH, USDT
BTC
Plutus Card vs Fold Card FAQ
On our composite score Plutus Card edges ahead (7.2/10 vs 7/10). The right pick still comes down to what you weigh most — fees, privacy, or cashback.