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Comparing Ether.fi Cash Card and Fold Card on fees, cashback, custody, and where each card is available. All data is current for 2026.
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The short version:
Ether.fi Cash scores 4.9/5 on Sweepbase vs 4.1/5 for Fold. That gap shows up mostly in fees and feature coverage.
Ether.fi Cash Card is the better card here. With self-custody, your crypto stays in your wallet until you actually spend it, unlike Fold where the issuer holds your funds. Ether.fi Cash also lets you earn yield on your deposits, something Fold doesn't offer. Zero fixed costs give Ether.fi Cash a cost advantage from day one. It works with Apple Pay and Google Pay, which is useful if you pay by phone. However, Fold may be better if you need something it does better.
In short: Ether.fi Cash Card (4.9/5) is the stronger option for most people compared to Fold Card (4.1/5).
| Features |  Ether.fi Cash Card |  Fold Card |
|---|---|---|
| Virtual + Physical | Virtual + Physical | |
| Self-custody | Custodial | |
| Visa Signature | Visa Credit Card | |
| Free | Free | |
| Free | Fold+: varies by tier | |
| 1% FX on all non-USD currencies (including EUR — native EUR not yet live) | No foreign transaction fees, standard Visa rates | |
| Up to 3% cashback (tiered: Core 3% on first $2K then 1%; Luxe 3% on first $10K; Pinnacle 3% on first $50K; paid in wETH) | Up to 2% back in Bitcoin (Fold+ members); Standard: 1.5% BTC + up to $100 bonus. Up to 20% on gift cards and merchant boosts. | |
| Core $30K/day, Luxe $50K/day, Pinnacle $100K/day | Based on creditworthiness | |
| $250/day, 2% fee, 3 attempts per 24h | $250/transaction, $1000/day, $1000/month; $2.50 fee (free for Fold+) | |
| USDC, USDT, EURC, frxUSD, eUSD, wETH, weETH, eBTC, ETHFI, sETHFI, wHYPE, SCR, LiquidETH, LiquidBTC, LiquidUSD, LiquidReserve via Ethereum, Base, Arbitrum, Scroll, Solana, Tron (Direct Pay: USDC, LiquidUSD only; Solana USDC and Tron USDT: no-fee 1:1 transfer) | Link bank account for USD funding; Bitcoin purchases | |
| 70+ countries: most of Europe, UK, Americas, UAE, Saudi Arabia, Hong Kong, select Asia-Pacific | USA only | |
| Get Card | Get Card |