Fold Card vs OKX Card: 2026 Comparison
Comparing Fold Card and OKX Card on fees, cashback, custody, and where each card is available.
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The short version:
OKX scores 4.2/5 on the Sweepbase formula and Fold scores 3.4/5, a gap of 0.8 points. The Strengths row in the table lists what each card is credited for. What moves the score for OKX: no issuance or annual fee, 2-10% cashback (VIP tiers).
Side by side
| Feature | Fold Card 3.4 out of 5, Sweepbase rating Get card Fold Card | OKX Card 4.2 out of 5, Sweepbase rating Get card OKX Card |
|---|---|---|
| Overview | ||
| Card type | Virtual + Physical | Virtual only |
| Network | Visa Prepaid Debit | Mastercard Debit |
| Custody | Custodial | Custodial |
| Costs | ||
| Issuance fee | Strength: Free | Strength: Free |
| 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 | 0.1% conversion spread in the EEA, no transaction or FX fee; Brazil has no FX fee or IOF, and buying stablecoins with BRL costs up to 1.5% |
| Rewards | ||
| Cashback | Strength: 0.25%, up to 3% with Fold Reserve | Strength: 2-10% (VIP tiers) |
| Yield on spendable balance | No | Strength: Yes |
| Access | ||
| Apple / Google Pay | Strength: Yes (Apple Pay; Google Pay) | Strength: Yes (Apple Pay; Google Pay) |
| Bank account in your name | No | Strength: SEPA via MiCA/PSD2 Malta PI license (EU); IBAN not explicitly confirmed per user |
| Daily spend limit | $15,000 a day and per transaction; $50,000 a month | Based on verification and tier |
| 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 | Not available (virtual card only) |
| Top-up methods | Direct deposit to the card account's routing and account numbersThe fine print
| USDC or USDG held in OKX Pay (EEA); USDG, USDC or USDT in OKX Pay, bought with BRL if needed (Brazil) |
| 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 | ||
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Which scores higher
Nothing in the formula favours Fold over OKX. What the formula cannot see is where you live and what you spend on: if Fold is sold in your country and OKX is not, that settles it, and the Regions row above is where to check.