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Comparing Fold Card and Bybit Card on fees, cashback, custody, and where each card is available. All data is current for 2026.
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The short version:
Bybit rates 4.2/5, slightly ahead of Fold at 3.6/5. Both are solid options, but Bybit is the better pick for most people.
| Feature | ||
|---|---|---|
| Overview | ||
| Card type | Virtual + Physical | Virtual + Physical |
| Network | Visa Debit + Visa Bitcoin Rewards Credit Card | Mastercard; Visa |
| Custody | Custodial | Custodial |
| Costs | ||
| Issuance fee | Free | Free |
| Annual fee | Fold+: $8.33/month ($100/year); standard plan: free | Free |
| FX fee | No foreign transaction fees, standard Visa rates | 0.5% EEA/CH/MX; 1% AU; 2% APAC (non-AU); 1.5% Brazil; 7% Argentina + 0.9% crypto conversion |
| Rewards | ||
| Cashback | Up to 2% | 2% (Tiers, cap $10/mo) |
| Yield on spendable balance | No | Yes |
| Access | ||
| Apple / Google Pay | Yes (Apple Pay; Google Pay) | Yes (Apple Pay; Google Pay; Samsung Pay in EEA/Switzerland; Google Pay only in APAC) |
| Bank account in your name | No | IBAN: Yes (EUR deposit IBAN via SEPA); SEPA: Yes; SWIFT: Not disclosed |
| Daily spend limit | Based on creditworthiness | €5000/day standard; €20000/day Level 3 |
| ATM withdrawal limit | $250/transaction, $1000/day, $1000/month; $2.50 fee (free for Fold+) | First €100/month free in EEA, then 2%; other regions: first withdrawal free, then 2% |
| Top-up methods | Link bank account for USD funding; Bitcoin purchases | BTC, ETH, XRP, USDT, USDC, TON, BNB, MNT (8 cryptos, region-dependent) |
| Regions | USA only | EEA via bybit.eu, where Bybit's stated eligibility is a proof of address from eligible EU…EEA via bybit.eu, where Bybit's stated eligibility is a proof of address from eligible EU countries except Croatia and Ireland, plus Liechtenstein or Norway - Bybit publishes no country count. Everything outside the EEA runs on bybit.com, which lists nine card regions: Argentina, Brazil, Mexico, Peru, Australia, AIFC, Georgia, Kazakhstan and Asia Pacific. Not available in the US, Canada or Singapore, and not part of the UK relaunch. Switzerland unresolved: the EEA application guide is titled EEA and CH and accepts Swiss ID, but the proof-of-address list does not name Switzerland |
| Behind the card | ||
| Card issuer | Sutton Bank — USA (Ohio)Named in the card terms | Not disclosedThe programme does not name its issuer |
| Our read | ||
| Strengths |
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| Trade-offs |
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| Get Fold Card | Get Bybit Card | |
Bybit Card is the better card here. Bybit also lets you earn yield on your deposits, something Fold doesn't offer. Zero fixed costs give Bybit 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: Bybit Card (4.2/5) is the stronger option for most people compared to Fold Card (3.6/5).
