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

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

Wirex Card3.0

Wirex Card is a multi-region Visa/Mastercard debit card offering 0.5% to 8% Cryptoback rewards in WXT, with the top rate gated behind a paid plan and a 7.5 million WXT lockup.

Verdict: Fold Card (debit) and Fold Credit Card

Fold Card (debit) and Fold Credit Card rates higher on our rubric: 4.0 against 3.0 for Wirex Card.

Criterion
Editorial rating
Fold Card (debit) and Fold Credit Card
4.0
Wirex Card
3.0

Fold Card (debit) and Fold Credit Card and Wirex 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 Wirex Card compared fact by fact from their reviews; a check marks the side a decidable criterion favours.
FactFold Card (debit) and Fold Credit CardWirex Card
Editorial rating4.0 (favoured on this row)3.0
IssuerFold (Fold Bitcoin Credit Card issued by Celtic Bank, licensed by Visa U.S.A.)Wirex Limited (UK, FCA-regulated EMI) / Wirex UAB (Lithuania, EEA passporting)
CashbackFold 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.Cryptoback in WXT ranges 0.5% on the free Standard plan up to 8% on the Elite Ultimate plan, which requires a €29.99/month subscription plus 7.5 million WXT locked for 180 days.
Top reward tierUp to +2% (4% combined) on the first $2,000/month (Fold Credit Card, Boosted)8% Cryptoback (Elite Ultimate)
Reward tiers58
FeesNo 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%.0% FX markup advertised on ordinary fiat card spending across all tiers, a roughly 0.5-1.5% crypto-to-fiat conversion spread, and free monthly ATM withdrawals up to a tier- and region-specific allowance before a 2% fee applies.
Countries issued in135
Countries both are issued in00
Last reviewed2026-08-252026-08-24

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

Wirex Card

What works

  • No issuance fee for virtual or physical cards on any tier
  • 0% advertised FX markup on fiat card spending across all subscription tiers
  • Free Standard tier still earns 0.5% Cryptoback with no subscription required
  • Wide country coverage across Europe, Asia-Pacific, and Latin America

What to watch

  • The advertised 8% cashback requires both a €29.99/month subscription and locking 7.5 million WXT for 180 days
  • Rewards are paid in WXT, Wirex's own token, so their fiat value floats after crediting
  • Crypto-to-fiat conversion carries a separate spread of roughly 0.5-1.5% not included in the 0% FX headline
  • An inactivity fee of roughly €5/month applies to dormant fiat balances after extended non-use

Frequently asked questions

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

Fold Card (debit) and Fold Credit Card rates higher on our rubric: 4.0 against 3.0 for Wirex 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 Wirex 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.. Wirex Card: Cryptoback in WXT ranges 0.5% on the free Standard plan up to 8% on the Elite Ultimate plan, which requires a €29.99/month subscription plus 7.5 million WXT locked for 180 days.. 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 Wirex Card?

Both are issued in no country we track, on each issuer's own eligibility page. Fold Card (debit) and Fold Credit Card is issued in 1 countries we track and Wirex Card in 35.

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

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