BitPay Card is one of the pioneering crypto debit cards, serving US customers since 2014 with major cryptocurrency support via Mastercard. Fold Card is a unique US Bitcoin rewards card where every purchase earns a Bitcoin 'spin' with a chance to win sats — gamifying BTC stacking.
Our Score
| WINNER ⚡ BitPay Card | 🎰 Fold Card | |
|---|---|---|
| Key parameters | ||
| Network | Mastercard | Visa |
| Cashback | 0% | Bitcoin spin rewards |
| Issue Fee | Free | Free |
| Monthly Fee | $0 | $0–$19.99 |
| KYC Level | Full KYC | Full KYC |
| Available In | US only | US only |
| Our Score | 7.7/10 | 7.5/10 |
| Additional parameters | ||
| Supported Crypto | BTC, ETH, XRP, LTC, USDC, DAI | BTC only (rewards) |
| ATM Fee | $2.50 | 2% |
| Spend Limit | $25,000/mo | $10,000/mo |
| Mobile App | iOS & Android | iOS & Android |
Score breakdown
Score breakdown
Pros & Cons
⚡ BitPay Card WINNER
Pros
- OG crypto card brand (2014)
- No monthly fee
- Supports major coins
- Mastercard acceptance
Cons
- US only
- No cashback
- $2.50 ATM fee
- Custodial
🎰 Fold Card
Pros
- Bitcoin rewards on every purchase
- Fun 'spin the wheel' mechanic
- No annual fee on base tier
- USD + BTC ecosystem
Cons
- US only
- BTC rewards only (not guaranteed)
- Premium plan for best rewards
- Custodial BTC
Verdict: ⚡ BitPay Card
BitPay Card edges ahead with better overall value, lower fees, and stronger user reviews in 2026.
Get Free Card →Frequently Asked Questions
Based on our independent analysis, Trustee Plus ranks #1 for everyday use — offering free issuance, 0% payment fees, non-custodial security, and availability in 100+ countries.
Both cards work internationally, but fees and regional availability differ. Check the comparison table above for exact ATM fees and supported countries.
Most crypto cards require at least light KYC. Trustee Plus has a streamlined KYC process that takes just minutes and supports users in 100+ countries.
Key fees include: card issuance fee, monthly maintenance fee, foreign transaction fee, ATM withdrawal fee, and crypto conversion spread. Trustee Plus charges 0% on card payments.
Yes — Visa and Mastercard crypto cards are accepted at 50+ million merchants worldwide. Trustee Plus converts crypto to fiat instantly at the point of sale.
Check the 'Available In' row in the comparison table. Trustee Plus has the widest coverage at 100+ countries.