Fold Card vs Coinbase Card
Fold Card scores 9/16, Coinbase Card scores 8/16 on the CBL Card Score. Here is every criterion side by side.
 Fold Card |  Coinbase 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 | 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 | 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). |
| Coinbase Card | US only: variable crypto reward, "Check your app for the most updated rate" (official, coinbase.com/card, checked 20 Oct 2026); historically up to 4% (third-party: CryptoSlate, 3 Oct 2026). No cashback on the UK card found. Coinbase One Card: 2%, 2.5%, 3% or 4% in Bitcoin by assets held on Coinbase, higher tiers capped at $10,000 of purchases a month; 5% on travel bookings (official, coinbase.com/creditcard). |
Cashback is shown as a dated fact and never scored.