Fold Card vs Bitrefill Card
Fold Card scores 9/16, Bitrefill Card scores 6/16 on the CBL Card Score. Here is every criterion side by side.
 Fold Card |  Bitrefill Card | |
|---|---|---|
| Custody | 1 of 2 | 1 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 | 2 of 2 |
| Funding cost | 2 of 2 | 0 of 2 |
| Apple Pay and Google Pay | 2 of 2 | 1 of 2 |
| Freeze and dispute policy | 2 of 2 | 1 of 2 |
| Yield on idle balance | 0 of 2 | 0 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). |
| Bitrefill Card | 1% on every crypto deposit and 1% on every purchase, "no cap", paid in EUR as Bitrefill store credit the same day the payment settles, no expiry (official, card page and card FAQ, checked 20 Oct 2026). Store credit buys gift cards, eSIMs and refills on bitrefill.com and cannot be withdrawn (official, FAQ). Bank withdrawals, cash-outs and ATM withdrawals earn nothing (official). Free eSIM of up to 20GB a month for depositing over €500 of crypto in the month (official, card page). |
Cashback is shown as a dated fact and never scored.