Fold Card vs Crypto.com Card

Side-by-side comparison of 2 crypto debit cards

	Fold Card 2.5/5 self_custodialvisa	Crypto.com Card 4.0/5 self_custodialboth
Rating
Overall	2.5/5	4.0/5
Fees
Monthly Fee	See card_tiers	No annual fees for base tier
Issuance Fee	$0	See card_tiers - varies by tier and region
Rewards
Max Cashback	0.51%	8%
Features
Apple Pay	Yes	Yes
Google Pay	Yes	Yes
Custody	self_custodial	self_custodial
KYC Required	No KYC	No KYC
Pros & Cons
Pros	Unique gamified rewards system adds excitement to everyday purchases No card issuance fee for either tier Guaranteed 0.5% Bitcoin back on qualifying transactions plus category boosts (up to 1.5%) and merchant boosts (up to 15%) for Fold+ members Enhanced rewards on gift card purchases (up to 20% at select merchants)	Generous CRO cashback rates (up to 8% on everyday spending for Prime tier) Travel rewards program offering up to 15% back on travel spending No annual fees for base tier Subscription rebates for popular services (Spotify, Netflix, Truth+)
Cons	Currently limited to U.S. residents only Free tier has no guaranteed cashback rate (relies on wheel outcome) $100/year subscription fee for Fold+ may not be worth it for low spenders Rewards limited to Bitcoin only (subject to crypto volatility)	Substantial CRO token staking requirements for higher tiers (12-month lockup) Exposure to cryptocurrency volatility through staking model Rewards programs have been reduced over time Prepaid product requiring active top-up before spending