Bitget Wallet Card vs Fold Card (debit) and Fold Credit Card

Comparing: two crypto cards
Decided by: Editorial rating
Last reviewed: 2026-08-25

Bitget Wallet Card is a non-custodial Visa/Mastercard debit card spanning the EEA, UK, Latin America, and Asia-Pacific that pays up to 3% assetback once monthly spend clears a $200 to $400 threshold.

Fold Card (debit) and Fold Credit Card4.0

Fold is a US-only Bitcoin-rewards card family pairing a gamified spin-to-win debit card with a straightforward 1.5-to-4% Bitcoin-back Visa credit card, both with no annual fee.

Verdict: Fold Card (debit) and Fold Credit Card

Fold Card (debit) and Fold Credit Card rates higher on our rubric: 4.0 against 3.9 for Bitget Wallet Card.

Criterion: Editorial rating
Bitget Wallet Card: 3.9
Fold Card (debit) and Fold Credit Card: 4.0

Bitget Wallet Card and Fold Card (debit) and Fold Credit Card, fact by fact

Every row is from the two reviews as of their review dates, with sources on each. A check marks the side a decidable criterion favours; rows without one are information, not a score.

Bitget Wallet Card and Fold Card (debit) and Fold Credit Card compared fact by fact from their reviews; a check marks the side a decidable criterion favours.
Fact	Bitget Wallet Card	Fold Card (debit) and Fold Credit Card
Editorial rating	3.9	4.0 (favoured on this row)
Issuer	Bitget	Fold (Fold Bitcoin Credit Card issued by Celtic Bank, licensed by Visa U.S.A.)
Cashback	2% base assetback on every cardholder, rising to 3% once monthly spend clears a $200-$400 threshold depending on region and card type; paid in a choice of BTC, gold, US stocks, and other assets.	Fold Card (debit): 0.5% base Bitcoin back plus gamified spin-wheel bonuses. Fold Credit Card: 1.5% flat Bitcoin back, plus 0.5% for paying with Bitcoin and up to 2% more on the first $2,000/month of qualifying activity, for up to 4% combined.
Top reward tier	3% assetback (Booster)	Up to +2% (4% combined) on the first $2,000/month (Fold Credit Card, Boosted)
Reward tiers	2	5
Fees	No card opening or annual fee; roughly a 1% top-up fee, 1.7% FX fee on non-USD spend, and 0.53% conversion fee apply once a cardholder exceeds the monthly fee-free quota tied to their assetback tier; ATM withdrawals cost 1% (minimum $5) and are excluded from that quota.	No annual fee on either the debit or credit card; the debit card's optional Fold+ subscription costs $10/month or $100/year (reportedly being phased out); the credit card carries a variable APR of roughly 20.49% to 29.49%.
Countries issued in	54	1
Countries both are issued in	0	0
Last reviewed	2026-08-25	2026-08-25

Pros and cons, side by side

Bitget Wallet Card

What works

No card opening fee or annual fee in any supported region
Wide multi-continent coverage spanning Europe, Latin America, Asia-Pacific, and parts of Africa and South Asia
Rewards can be earned in a choice of assets, including gold and US stocks, not just crypto
Assetback rewards are designed to directly offset the same top-up and FX fees that would otherwise apply

What to watch

Reaching the higher 3% assetback tier requires clearing a monthly spend threshold, not automatic for light spenders
Fees resume in full once a cardholder exceeds their monthly zero-fee quota, and the exact quota varies by region and card type
ATM withdrawals carry a separate 1% fee that is explicitly excluded from the monthly zero-fee quota
Not available in the United States, Canada, India, or Russia

Fold Card (debit) and Fold Credit Card

What works

No annual fee on either the debit or the credit card
Credit card's 1.5% base Bitcoin-back rate is uncapped, unlike many competitors' capped tiers
Combining the Bitcoin-payment bonus and Boosted bonus can reach 4% on a meaningful chunk of monthly spend
No staking or token lockup required for any tier

What to watch

Restricted to US residents only, with no international availability on any Fold product
The debit card's spin-wheel mechanic makes real-world reward rates unpredictable purchase to purchase
The Boosted 2% bonus on the credit card applies only to the first $2,000 of monthly spend tied to specific qualifying activity
Fold+ debit subscription benefits are reportedly being restructured during 2026, creating uncertainty about which perks will persist

Frequently asked questions

Is Bitget Wallet Card or Fold Card (debit) and Fold Credit Card better?

Fold Card (debit) and Fold Credit Card rates higher on our rubric: 4.0 against 3.9 for Bitget Wallet Card. The rating follows the product rubric on our about page; the rows above set rewards, fees and availability side by side.

Which pays more cashback, Bitget Wallet Card or Fold Card (debit) and Fold Credit Card?

Bitget Wallet Card: 2% base assetback on every cardholder, rising to 3% once monthly spend clears a $200-$400 threshold depending on region and card type; paid in a choice of BTC, gold, US stocks, and other assets.. Fold Card (debit) and Fold Credit Card: Fold Card (debit): 0.5% base Bitcoin back plus gamified spin-wheel bonuses. Fold Credit Card: 1.5% flat Bitcoin back, plus 0.5% for paying with Bitcoin and up to 2% more on the first $2,000/month of qualifying activity, for up to 4% combined.. Headline rates on crypto cards are usually gated by a staked or locked balance, and each review sets out the tiers.

Where can I get both Bitget Wallet Card and Fold Card (debit) and Fold Credit Card?

Both are issued in no country we track, on each issuer's own eligibility page. Bitget Wallet Card is issued in 54 countries we track and Fold Card (debit) and Fold Credit Card in 1.

The full reviews: Bitget Wallet Card and Fold Card (debit) and Fold Credit Card, each with its sources, and every crypto card we review.

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