Bybit Card vs Fold Card (debit) and Fold Credit Card

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

Bybit Card is a family of regional Mastercard debit programmes paying 2 to 10 percent cashback in Bybit points, with EEA cardholders moving to a flat 1 percent for ordinary users in 2026.

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 3.4 for Bybit Card.

Criterion: Editorial rating
Bybit Card: 3.4
Fold Card (debit) and Fold Credit Card: 4.0

Bybit 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.

Bybit 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	Bybit Card	Fold Card (debit) and Fold Credit Card
Editorial rating	3.4	4.0 (favoured on this row)
Issuer	Bybit	Fold (Fold Bitcoin Credit Card issued by Celtic Bank, licensed by Visa U.S.A.)
Cashback	2% to 10% cashback via a six-tier VIP ladder in most regions; EEA-issued cardholders without VIP status earn a flat 1% since August 2026.	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	10% cashback (Infinite)	Up to +2% (4% combined) on the first $2,000/month (Fold Credit Card, Boosted)
Reward tiers	6	5
Fees	No annual or inactivity fee anywhere; EEA/Switzerland FX runs 0.5% and crypto conversion 0.9%, but non-European regions range from 1% (Australia) to as high as 7% (Argentina) in FX fees, plus a 2% ATM fee above a small free monthly allowance.	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	33	1
Countries both are issued in	0	0
Last reviewed	2026-08-25	2026-08-25

Pros and cons, side by side

Bybit Card

What works

No annual, monthly, or inactivity fee across every regional program
Cashback can reach 10% at the top VIP tier, higher than most competitors in this batch
Free virtual card issuance everywhere, with a roughly 5 EUR/USD physical card fee
EEA cardholders without VIP status now earn an uncapped flat 1% instead of a capped tiered rate

What to watch

Not one unified product: fees and terms differ sharply by region, and Argentina's FX fee runs as high as 7% plus a temporary padding hold
Turkey gets a virtual card only, with no physical card available
Reaching the top 8-10% cashback tiers requires Supreme VIP exchange status or very large monthly card spend ($12,500-$25,000)
Not available in the US, Canada, China, Japan, South Korea, Singapore or Australia

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 Bybit 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 3.4 for Bybit 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, Bybit Card or Fold Card (debit) and Fold Credit Card?

Bybit Card: 2% to 10% cashback via a six-tier VIP ladder in most regions; EEA-issued cardholders without VIP status earn a flat 1% since August 2026.. 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 Bybit Card and Fold Card (debit) and Fold Credit Card?

Both are issued in no country we track, on each issuer's own eligibility page. Bybit Card is issued in 33 countries we track and Fold Card (debit) and Fold Credit Card in 1.

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

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