Fold Card vs Bybit Card: 2026 Comparison
Comparing Fold Card and Bybit Card on fees, cashback, custody, and where each card is available.
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The short version:
Bybit rates 3.8/5, ahead of Fold at 3.4/5. The gap is 0.4 of a point: a few line items in the formula, not a different class of card. What moves the score for Bybit: no issuance or annual fee, 1% EEA base; 2-10% VIP cashback (capped).
Fold:
Bybit:
Side by side
| Feature | Fold Card 3.4 out of 5, Sweepbase rating Get card Fold Card | Bybit Card 3.8 out of 5, Sweepbase rating Get card Bybit Card |
|---|---|---|
| Overview | ||
| Card type | Virtual + Physical | Virtual + Physical |
| Network | Visa Prepaid Debit | Mastercard Debit in the EEAThe fine print
|
| Custody | Custodial | Custodial |
| Costs | ||
| Issuance fee | Strength: Free | Strength: Virtual freeThe fine print
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| 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 | 0.5-7% on foreign-currency spend depending on the programme: 0.5% in the EEA per Bybit EU's fee table updated 8 October…The fine print
|
| Rewards | ||
| Cashback | Strength: 0.25%, up to 3% with Fold Reserve | Strength: 1% EEA base; 2-10% VIP (capped) |
| Yield on spendable balance | No | Strength: Yes |
| Access | ||
| Apple / Google Pay | Strength: Yes (Apple Pay; Google Pay) | Strength: Yes: Apple Pay, Google Pay and Samsung Pay in the EEA and AustraliaThe fine print
|
| Bank account in your name | No | Strength: IBAN: Yes (EUR deposit IBAN via SEPA); SEPA: Yes; SWIFT: Not disclosed |
| Daily spend limit | $15,000 a day and per transaction; $50,000 a month | EEA: 5,000 EUR a day on Tier 1, 10,000 EUR on Tier 2, 15,000 EUR on Tier 3The fine print
|
| 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 | EEA: first 100 EUR a month free, then 2%The fine print
|
| Top-up methods | Direct deposit to the card account's routing and account numbersThe fine print
| Spends from the Bybit Funding Account: EUR plus up to 3 selected cryptos from USDC, BTC, ETH, MNT, GRAM, XRP and EURC…The fine print
|
| Regions | USA only | EEA via bybit.eu: 29 supported EEA countries, the EU-27 except Malta plus Iceland, Liechtenstein and NorwayThe fine print
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| Behind the card | ||
| Card issuer | Sutton Bank, USA (Ohio)Named in the card terms | Harmoniie SAS (with Moorwand Ltd), France (ACPR, CIB 17478); Mastercard licence held by Moorwand Ltd (UK)Named in the card terms |
| Our read | ||
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Which scores higher
Nothing in the formula favours Fold over Bybit. What the formula cannot see is where you live and what you spend on: if Fold is sold in your country and Bybit is not, that settles it, and the Regions row above is where to check.
Fold vs Bybit: FAQ
Bybit Card scores higher on the Sweepbase formula, at 3.8/5. What moves the score: no issuance or annual fee, 1% EEA base; 2-10% VIP cashback (capped). 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. Bybit Card: issuance Virtual free, annual Free, 0.5-7% on foreign-currency spend depending on the… You can compare total annual cost using our fee calculator.
Fold Card: 0.25%, up to 3% with Fold Reserve cashback. Bybit Card: 1% EEA base; 2-10% VIP cashback (capped). Rates can depend on tier, staking or caps, so check each card's page for the conditions.
Fold Card: Custodial. Bybit Card: Custodial. Both cards are custodial, meaning the issuer holds your funds on your behalf.
Fold Card supports Apple Pay and Google Pay. Bybit Card supports Apple Pay and Google Pay.
Fold Card: USA. Bybit Card: several regions. Check each card's detail page for the full country list.