Fold Card vs Ether.Fi Cash Card

Side-by-side comparison of 2 crypto debit cards

	Fold Card 2.5/5 self_custodialvisa	Ether.Fi Cash Card 4.5/5 self_custodialvisa
Rating
Overall	2.5/5	4.5/5
Fees
Monthly Fee	See card_tiers	Free (all tiers)
Issuance Fee	$0	See card_tiers
Rewards
Max Cashback	0.51%	Up to 3% (Core/Luxe/Pinnacle) or up to 4% (VIP) - progressive structure based on monthly spend
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)	Non-custodial design preserves user sovereignty over crypto assets Free Club membership with tier progression through loyalty points Progressive cashback rates up to 4% paid in wETH Continues earning yield on collateral while borrowing against it
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)	Geographic restrictions limit availability Market volatility could lead to liquidation of collateral Full KYC requirements may deter privacy-focused users Progressive cashback rates decrease with higher monthly spending