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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:
OKX rates 4.2/5, slightly ahead of Fold at 3.6/5. Both are solid options, but OKX is the better pick for most people.
| Feature | ||
|---|---|---|
| Overview | ||
| Card type | Virtual + Physical | Virtual only |
| Network | Visa Debit + Visa Bitcoin Rewards Credit Card | Mastercard Debit |
| 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 | 0.1% conversion spread (official docs); no transaction or FX fees |
| Rewards | ||
| Cashback | Up to 2% | 2-4% (VIP tiers) |
| Yield on spendable balance | No | Yes |
| Access | ||
| Apple / Google Pay | Yes (Apple Pay; Google Pay) | Yes (Apple Pay; Google Pay) |
| Bank account in your name | No | SEPA via MiCA/PSD2 Malta PI license (EU); IBAN not explicitly confirmed per user |
| Daily spend limit | Based on creditworthiness | Based on verification and tier |
| ATM withdrawal limit | $250/transaction, $1000/day, $1000/month; $2.50 fee (free for Fold+) | Not available (virtual card only) |
| Top-up methods | Link bank account for USD funding; Bitcoin purchases | USDC, USDG stablecoins from OKX Pay account |
| Regions | USA only | EEA + Brazil |
| Behind the card | ||
| Card issuer | Sutton Bank — USA (Ohio)Named in the card terms | Monavate Limited + UAB Monavate — UK (FCA 901097) + Lithuania (Bank of Lithuania)Named in the card terms |
| Our read | ||
| Strengths |
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| Trade-offs |
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| Get Fold Card | Get OKX Card | |
OKX Card is the better card here. OKX also lets you earn yield on your deposits, something Fold doesn't offer. Zero fixed costs give OKX 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: OKX Card (4.2/5) is the stronger option for most people compared to Fold Card (3.6/5).
