Side-by-side comparison of Fold Card and OKX Card — fees, cashback rates, custody models, and regional availability. Updated for 2026 with our editorial verdict based on real data from both issuers.
Quick Verdict:
Fold edges ahead with a 4.2/5 rating compared to OKX's 3.8/5. While both cards have merit, Fold delivers better value for most users.
| 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+) | Available with physical card | |
| Link bank account for USD funding; Bitcoin purchases | USDC, USDG stablecoins from OKX Pay account | |
| USA only | EEA + Brazil | |
| Get Fold Card | Get OKX Card |
Fold Card is our pick in this matchup. Full Apple Pay and Google Pay support makes it practical for daily spending. However, OKX may be better if you need broader regional coverage.
Bottom line: For most crypto card users, Fold Card (4.2/5) delivers better overall value than OKX Card (3.8/5).