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

Comparing: two crypto cards
Decided by: Editorial rating
Last reviewed: 2026-10-29

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.

Oobit Card3.1

Oobit Card is a Visa card that spends stablecoins and crypto from an Oobit account or, through DePay, a self-custody wallet, with a 1% fee on every card payment and base points worth 0.1% to 0.5%.

Verdict: Fold Card (debit) and Fold Credit Card

Fold Card (debit) and Fold Credit Card rates higher on our rubric: 4.0 against 3.1 for Oobit Card.

Criterion: Editorial rating
Fold Card (debit) and Fold Credit Card: 4.0
Oobit Card: 3.1

Fold Card (debit) and Fold Credit Card and Oobit 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.

Fold Card (debit) and Fold Credit Card and Oobit Card compared fact by fact from their reviews; a check marks the side a decidable criterion favours.
Fact	Fold Card (debit) and Fold Credit Card	Oobit Card
Editorial rating	4.0 (favoured on this row)	3.1
Issuer	Fold (Fold Bitcoin Credit Card issued by Celtic Bank, licensed by Visa U.S.A.)	Oobit Technologies UAB; outside the United States the card is issued by Third National under license from Visa
Cashback	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.	Base points are worth 0.1% to 0.5% of Tap to Pay spend depending on your level, plus capped offers of 5% in stablecoins (up to $200 of spend) and 10% in OOB (up to $5,000 of spend), all spendable only inside the app.
Top reward tier	Up to +2% (4% combined) on the first $2,000/month (Fold Credit Card, Boosted)	5 points per $1, worth 0.5% (Level 5)
Reward tiers	5	5
Fees	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%.	No fee to get the card and no monthly fee; 1% per card payment with a $0.25 minimum; the card is denominated in USD, with up to 1.5% more on other currencies; 2.5% on ATM withdrawals.
Countries issued in	1	72
Countries both are issued in	1	1
Last reviewed	2026-08-25	2026-10-29

Pros and cons, side by side

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

Oobit Card

What works

No fee to get the card and no monthly fee, so the cost is per payment only
DePay pays from a self-custody wallet such as MetaMask, Trust Wallet or Phantom without moving funds into Oobit first
Listed in 72 countries that have a guide on this site, including most of the European Economic Area, the United Kingdom, the United States, Brazil, Mexico and South Korea
Works with Apple Pay and Google Wallet, so you can tap to pay wherever Visa is accepted

What to watch

A 1% fee applies to every card payment, with a $0.25 minimum, which is more than the 0.1% to 0.5% the base points pay back
Payments in currencies other than USD can add up to 1.5% on top, and ATM withdrawals cost 2.5%
Rewards can only be spent on Tap to Pay payments in the app and cannot be withdrawn, and Oobit can change offers on 30 days' notice
The 5% stablecoin reward is capped at $200 of spend and the 10% OOB reward at $5,000 of spend
The self-custody route needs a spending approval that lets Oobit draw up to your limit, and the card terms let Oobit and the issuer change spending limits, including to $0, with or without notice

Frequently asked questions

Is Fold Card (debit) and Fold Credit Card or Oobit Card better?

Fold Card (debit) and Fold Credit Card rates higher on our rubric: 4.0 against 3.1 for Oobit 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, Fold Card (debit) and Fold Credit Card or Oobit Card?

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. Oobit Card: Base points are worth 0.1% to 0.5% of Tap to Pay spend depending on your level, plus capped offers of 5% in stablecoins (up to $200 of spend) and 10% in OOB (up to $5,000 of spend), all spendable only inside the app. 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 Fold Card (debit) and Fold Credit Card and Oobit Card?

Both are issued in United States, on each issuer's own eligibility page. Fold Card (debit) and Fold Credit Card is issued in 1 country we track and Oobit Card in 72.

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

More comparisons

Every other head-to-head Fold Card (debit) and Fold Credit Card or Oobit Card appears in.

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