Karta vs Fold Card
Karta scores 9/16, Fold Card scores 9/16 on the CBL Card Score. Here is every criterion side by side.
 Karta |  Fold Card | |
|---|---|---|
| Custody | 1 of 2 | 1 of 2 |
| Issuer and licence | 1 of 2 | 2 of 2 |
| Availability | 2 of 2 | 0 of 2 |
| FX fee on a foreign-currency purchase | 1 of 2 | 0 of 2 |
| Funding cost | 0 of 2 | 2 of 2 |
| Apple Pay and Google Pay | 2 of 2 | 2 of 2 |
| Freeze and dispute policy | 2 of 2 | 2 of 2 |
| Yield on idle balance | 0 of 2 | 0 of 2 |
| Total | 9 | 9 |
The short verdict: Karta leads overall (9 to 9). Per-user Fireblocks wallet; self-custody claim unverified, 1% Visa fee on non-USD spend FX. Health: Watch. Check each profile for what still needs confirming before deciding.
Cashback, as of 20 Oct 2026
| Karta | The homepage meta text claims "25% cashback on purchases", but the page body only describes earning from referred friends' spending and no rate on the cardholder's own purchases is published; the fees articles do not mention cashback (official, karta.io and help centre, checked 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). |
Cashback is shown as a dated fact and never scored.