Fold Card vs Binance Card: 2026 Comparison
Comparing Fold Card and Binance Card on fees, cashback, custody, and where each card is available.
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The short version:
These two tie at 3.4/5, so the formula has no preference between Fold and Binance. What moves the score for Fold: 0.25%, up to 3% with Fold Reserve cashback.
Fold:
Binance:
Side by side
| Feature | Fold Card 3.4 out of 5, Sweepbase rating Get card Fold Card | Binance Card 3.4 out of 5, Sweepbase rating Get card Binance Card |
|---|---|---|
| Overview | ||
| Card type | Virtual + Physical | Virtual + Physical |
| Network | Visa Prepaid Debit | Mastercard Prepaid |
| Custody | Custodial | Custodial |
| Costs | ||
| Issuance fee | Strength: Free | Strength: Free |
| Annual fee | Free. Fold removed the Fold+ membership and its fee on 1 October 2026; the separate Fold Reserve balance that sets the rewards tier has no fee to hold | Strength: Free |
| FX fee | $3.00 per foreign transaction; waived for Fold Reserve members with a Reserve balance of $5,000 or more | 1-2% FX on non-BRL purchases with the Brazil card, plus 0.9% crypto-to-fiat conversionThe fine print
|
| Rewards | ||
| Cashback | Strength: 0.25%, up to 3% with Fold Reserve | Strength: Up to 3% (Brazil) |
| Yield on spendable balance | No | NoThe issuer pays yield, but in a separate product |
| Access | ||
| Apple / Google Pay | Strength: Yes (Apple Pay; Google Pay) | Yes |
| Bank account in your name | No | No |
| Daily spend limit | $15,000 a day and per transaction; $50,000 a month | Brazil card: 25,000 BRL a day at every verification level, 50,000 to 150,000 BRL a month and 200,000 to 600,000 BRL a year by level |
| ATM withdrawal limit | $250 per withdrawal, $1,000 a day and $1,000 a month; $3.50 per withdrawal, waived for Fold Reserve members with a Reserve balance of $5,000 or more | Brazil card: two free ATM withdrawals a month, then 1.5 USD eachThe fine print
|
| Top-up methods | Direct deposit to the card account's routing and account numbersThe fine print
| BTC, BNB, USDT and 10+ major cryptos |
| Regions | USA only | Three programmesThe fine print
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| Behind the card | ||
| Card issuer | Sutton Bank, USA (Ohio)Named in the card terms | Pomelo S.A., Argentina (BaaS, multi-LatAm)Inferred, not stated by the issuer |
| Our read | ||
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Which scores higher
Fold leads on the formula, but the score is a sum, and Binance wins some of its terms: Binance charges nothing to issue or hold the card, and Fold does. If one of those is the thing you care about, read that row above before the score.
Fold vs Binance: FAQ
Fold Card scores higher on the Sweepbase formula, at 3.4/5. What moves the score: 0.25%, up to 3% with Fold Reserve cashback. The formula does not know where you live or how you spend, so check availability and fees for your own case.
Fold Card: issuance Free, annual Free, $3.00 per foreign transaction. Binance Card: issuance Free, annual Free, 1-2% FX on non-BRL purchases with the Brazil card, plus… You can compare total annual cost using our fee calculator.
Fold Card: 0.25%, up to 3% with Fold Reserve cashback. Binance Card: Up to 3% cashback (Brazil). Rates can depend on tier, staking or caps, so check each card's page for the conditions.
Fold Card: Custodial. Binance Card: Custodial. Both cards are custodial, meaning the issuer holds your funds on your behalf.
Fold Card supports Apple Pay and Google Pay. Apple Pay is not confirmed for Binance Card.
Fold Card: USA. Binance Card: several regions. Check each card's detail page for the full country list.