Fold Card vs Binance Card
Fold Card scores 9/16, Binance Card scores 6/16 on the CBL Card Score. Here is every criterion side by side.
 Fold Card |  Binance Card | |
|---|---|---|
| Custody | 1 of 2 | 0 of 2 |
| Issuer and licence | 2 of 2 | 1 of 2 |
| Availability | 0 of 2 | 0 of 2 |
| FX fee on a foreign-currency purchase | 0 of 2 | 0 of 2 |
| Funding cost | 2 of 2 | 1 of 2 |
| Apple Pay and Google Pay | 2 of 2 | 2 of 2 |
| Freeze and dispute policy | 2 of 2 | 1 of 2 |
| Yield on idle balance | 0 of 2 | 1 of 2 |
| Total | 9 | 6 |
The short verdict: Fold Card leads overall (9 to 6). Dollars at Sutton Bank; bitcoin held at BitGo, $3 per foreign purchase on free tier FX. Health: Watch. Check each profile for what still needs confirming before deciding.
Cashback, as of 20 Oct 2026
| Fold Card | Base rate 0.25% back in bitcoin on all eligible purchases, no cap (official, terms of service, 13 Oct 2026). Boosts above the base rate need a Committed Balance of at least $15,000, with one $5,000 monthly cap on card boosts (official). Fold+ members earn 0.5% on eligible purchases processed as Visa Signature debit, with no guaranteed rate for free members (third-party: CryptoCardHub, updated 11 Aug 2026). Rewards are pending for 30 days after the qualifying event (official). Bitcoin is deposited into the Fold balance (official, card page). |
| Binance Card | Brazil: tiered by total spend in the calendar month and applied to the whole month, credited on the 10th of the next month; rates shown only in an image on the official page (official, Brazil Card FAQ, 19 Oct 2026). Third party reports 1.5% under 500 BRL, 2% from 500 BRL, 3% from 5,000 BRL, capped at 500 BRL a month, paid in BRL (third-party: CryptoCardHub, 11 Aug 2026). Pomelo states "up to 3%" (official, Pomelo blog, 15 Apr 2026). Global Program rates reported at 0.5% to 2% with a $20 cap in some markets, and 1.5% to 3% with a $100 cap in others from 1 Jun 2026 (third-party: CryptoCardHub). |
Cashback is shown as a dated fact and never scored.