We can’t pick an overall winner yet: at least one of these cards doesn’t have enough verified data for a score.
Head-to-head
| Feature | Coinbase | Fold | Better |
|---|---|---|---|
| Cashback without staking | 2% | 0.25% | Coinbase |
| Best cashback | Up to 4% | Up to 3% | Coinbase |
| Issuance fee | Free | Free | Tie |
| Monthly fee (entry tier) | $4.17 | Free | Fold |
| FX fee (entry tier) | 0% | Not verified | — |
| Available in US | Available | Available | Tie |
| Available in UK | Not available | Not available | Tie |
| Available in EEA | Not available | Not available | Tie |
| Network | American Expresssource | Visasource | — |
| Card type | Credit | Prepaid | — |
| Staking or paid plan for best rate | Yes | Yes | — |
| Top-up | Not applicable (credit card, repaid monthly)source | Direct deposit $0; Instant Debit funding 1.5% (max $25)source | — |
| Free ATM per month | None — cash advances cost $10 or 5% (whichever is greater), 32.24% APRsource | None ($3.50 per withdrawal); unlimited $0 Fold fee with a Fold Reserve balance of $5,000+source | — |
Built from the verified facts in each review. “Better” is blank when either value is unverified.
Rewards compared
Coinbase One Card: entry-tier cashback 2%source, best rate Up to 4%source, paid in Bitcoinsource. The best rate needs a token stake, holding or paid plan.
Fold Card: entry-tier cashback 0.25%source, best rate Up to 3%source, paid in Bitcoinsource. The best rate needs a token stake, holding or paid plan.
Fees compared
Example: you spend $1,000 a month on the entry tier, 20% of it in a foreign currency, and fund the card for free. Yearly result = entry-tier cashback − FX fees − monthly fees × 12.
| Card | Cashback | FX fees | Card fees | Net per year |
|---|---|---|---|---|
| Coinbase One Card | $240 | −$0 | −$50 | $190 |
| Fold Card | Can’t calculate: a fee or rate is not verified | |||
Ignores issuance fees, ATM use, caps and token price moves. Fees are in each issuer’s currency for the region shown in the review. Run your own numbers.
Availability
Both issuers require identity verification (KYC). Not legal advice; an issuer can refuse any applicant.
Choose Coinbase One Card if…
- You want cashback without staking — 2% on the entry tier versus 0.25%.
- You can reach the top tier: the best advertised rate is 4%.
- You are looking for a card for Coinbase One members in the US with large balances on Coinbase.
Choose Fold Card if…
- You want to keep fixed card fees as low as possible.
- You are looking for a card for US residents who want bitcoin back on everyday spending.
FAQ
Which is better, Coinbase One Card or Fold Card?
We can’t pick an overall winner yet: at least one of these cards doesn’t have enough verified data for a score.
Can I get Coinbase One Card or Fold Card in the US?
Coinbase One Card: Available. Fold Card: Available. Availability can change; check the issuer’s site before applying.