CL Card vs Fold Card
CL Card scores 9/16, Fold Card scores 9/16 on the CBL Card Score. Here is every criterion side by side.
 CL Card |  Fold Card | |
|---|---|---|
| Custody | 1 of 2 | 1 of 2 |
| Issuer and licence | 2 of 2 | 2 of 2 |
| Availability | 1 of 2 | 0 of 2 |
| FX fee on a foreign-currency purchase | 2 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 | 1 of 2 | 2 of 2 |
| Yield on idle balance | 0 of 2 | 0 of 2 |
| Total | 9 | 9 |
The short verdict: CL Card leads overall (9 to 9). Self-custody until loaded; e-money safeguarded by Monavate, 0% issuer FX; platform margin unconfirmed FX. Health: Watch. Check each profile for what still needs confirming before deciding.
Cashback, as of 20 Oct 2026
| CL Card | 1% in BTC or USDT outside the US, 1% in BTC or USDC in the US, paid monthly on the month's total card transactions, "No staking required" (official, ledger-card page and shop.ledger.com, checked 20 Oct 2026). The ledger-card hero still shows "2% in BXX", the older Baanx token reward (official; third-party: Blockworks, 24 Nov 2022). |
| 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.