Fold Card vs Brighty Card
Fold Card scores 9/16, Brighty Card scores 8/16 on the CBL Card Score. Here is every criterion side by side.
 Fold Card |  Brighty Card | |
|---|---|---|
| Custody | 1 of 2 | 1 of 2 |
| Issuer and licence | 2 of 2 | 2 of 2 |
| Availability | 0 of 2 | 0 of 2 |
| FX fee on a foreign-currency purchase | 0 of 2 | 1 of 2 |
| Funding cost | 2 of 2 | 1 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 | 1 of 2 |
| Total | 9 | 8 |
The short verdict: Fold Card leads overall (9 to 8). 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). |
| Brighty Card | 0.5% in USDC on eligible purchases on all plans; selected categories 1.25% to 1.75% depending on plan; monthly caps USDC 20 on One, USDC 60 on Plus, USDC 100 on Pro (official, help article "What is Cashback?", 5 Mar 2026). Excludes ATM withdrawals, transfers, top-ups, gambling, crypto purchases and Curve pass-through cards; most cashback posts within 5 business days and moves to the Reward Box the next month (official, cashback terms, 01.10.2026). |
Cashback is shown as a dated fact and never scored.