Rain Card vs Fold Card
The short answer
Winner: Rain Card — 7.5/10 versus 7/10. It leads on the blend of fees, trust, and community sentiment.
Updated July 2026
Rain Card
Email only
Fold Card
KYC
Score
Annual fee
Free
$149
Monthly fee
Free
Free
Cashback
1%
0%
ATM fee
Free
Free
FX fee
Free
3%
Per transaction
Unlimited
$15k
Daily limit
Unlimited
$15k
Monthly limit
Unlimited
$50k
KYC
Email only
KYC
Card type
Debit
Debit
Custody
Non-custodial
Custodial
Conversion fee
Free
1.5%
ATM per transaction
Unlimited
$400
Network
visa
visa
IBAN
✗
✗
Apple Pay
✓
✓
Google Pay
✓
✗
Countries
1
1
Coins
ETH, USDC
BTC
Rain Card vs Fold 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.