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Updated for August 2026

Crypto.com vs Fold Card

Two no-fee crypto cards, head to head. Here’s how they stack up.

Crypto.com#1
VisaPrepaid
•••• ••••
Cashback
5%
Monthly fee
None
Our score
2.2
Get Crypto.com
Fold Card#2
VisaPrepaid
Fold Card card
Cashback
Up to 1.5%
Monthly fee
None
Our score
1.6
Get Fold Card

The bottom line

Choose Crypto.com if…

you want the highest cashback in this matchup — earn 5% back on everyday spend.

5% cashbackNo monthly fee2.2★ rating

Choose Fold Card if…

you want a no-fee prepaid card with solid everyday value.

Up to 1.5% cashbackNo monthly fee1.6★ rating
2 differences below
FeesRewardsPros & cons
See the full breakdown
Crypto.com logoCrypto.com Obsidian
vs.Fold Card logoFold Card

All about Crypto.com Obsidian

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Fold Card

Fold Card card
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Main perks

Monthly feeNone
Cashback5%
FX fee0%
SavingsNone
ATM feeFree to €1,000/mo, then 2%
Currencies1
Supported countries29
Monthly feeNone
CashbackUp to 1.5%
FX fee3%
Savings0.0
ATM fee—
Currencies2
Supported countries1
—

Bonus offers

No current bonus offer.

12 USD bonus

—

Rewards

Everyday spending5%
Monthly rewards capNone
Travel spending15% (coming soon)
Free ATM withdrawals€1,000/mo
Subscription rebatesPermanent
Base cashback rate0%
Paid-plan cashback (travel, dining, entertainment)1.5% BTC
Paid-plan cashback (all other purchases)0.5% BTC
Spin reward mechanic
Welcome bonus$12 USD
Reward assetBitcoin only
—

Pros

  • 5% back in CRO with no monthly cap
  • Permanent Spotify, Netflix and Truth+ rebates
  • Lounge access with a guest
  • Exclusive F1, UFC and football invitations
  • Voice and messaging support
  • No monthly fee on base tier
  • No physical or virtual card cost
  • Apple Pay supported
  • Personal US bank account linkable
—

Cons

  • Requires a €450,000 CRO stake
  • No subscription alternative
  • CRO locked for twelve months
  • Heavy exposure to CRO price movement
  • Rewards paid in CRO only
  • 0% cashback on free tier
  • Paid plan costs $10/month to unlock any cashback
  • Rewards capped at 1.5% even on paid plan
  • 1.5% conversion cost on free tier
  • 3% foreign transaction fee
  • $5 inactivity fee
  • Bitcoin rewards only, no other assets
  • US only
—

Options to Crypto.com

CardTypeAnnual feeRewardsScore
B logoBleap CardDebit$0Up to 20%4.4View cardB logoBybit CardCrypto$0Up to 10%4.3View cardP logoPlutus CardDebit$0Up to 9%2.7View cardB logoBit2Me CardDebit$0Up to 9%3.9View card