Weekly Crypto Card Intel — fee changes, new cards, cashback drops. Free.
Comparing Fold Card and OKX Card on fees, cashback, custody, and where each card is available. All data is current for 2026.
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The short version:
Fold rates 4.1/5, slightly ahead of OKX at 3.6/5. Both are solid options, but Fold is the better pick for most people.
Fold Card is the better card here. It works with Apple Pay and Google Pay, which is useful if you pay by phone. However, OKX may be better if you need broader regional coverage.
In short: Fold Card (4.1/5) is the stronger option for most people compared to OKX Card (3.6/5).
| Features |  Fold Card |  OKX Card |
|---|---|---|
| Virtual + Physical | Virtual only | |
| Custodial | Custodial | |
| Visa Credit Card | Mastercard Debit | |
| Free | Free | |
| Fold+: varies by tier | Free | |
| No foreign transaction fees, standard Visa rates | 0.1% conversion spread (official docs); no transaction or FX fees | |
| 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. | Launch promotion (Jan-Feb 2026): 15-20% cashback — this promo has ended as of February 28, 2026. Regular users got 15% capped at 100 EUR; VIP users got 20% capped at 200 EUR during the promo period. Post-promo (current as of March 2026): VIP-tiered cashback at 2-5% depending on OKX VIP status. For new users without existing VIP status, the base rate is likely around 2%. EEA-only card. Cashback is paid in USDG stablecoin. Specific tier requirements and monthly caps for the ongoing program are not fully disclosed. Realistic cashback for a typical user: ~2% (post-promo). | |
| Based on creditworthiness | Based on verification and tier | |
| $250/transaction, $1000/day, $1000/month; $2.50 fee (free for Fold+) | Not available (virtual card only) | |
| Link bank account for USD funding; Bitcoin purchases | USDC, USDG stablecoins from OKX Pay account | |
| USA only | EEA + Brazil | |
| Get Card | Get Card |