Fold Debit Card vs Coinbase One Card
Key differences
- Fold is a debit card with no credit check and gamified rewards (0.5%-5% for Fold+ members), while Coinbase One Card is a credit card with tiered rewards (2%-4%) based on assets held on Coinbase.
- Fold offers a free base tier with optional Fold+ membership ($10/month), while Coinbase One Card requires an active Coinbase One membership ($4.99/month minimum) with no free option.
- Fold rewards are randomized through daily spins with chances to win up to 1 full Bitcoin, while Coinbase One Card offers predictable percentage-based Bitcoin rewards on every purchase.
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Card Material
Standard Visa debit card
Stainless steel card engraved with the Bitcoin Genesis Block
Card Details
Card Type
Debit Card
Credit Card
Network
Visa
American Express®
Annual Fee
$0 for base Fold Card
Fold+ membership: $10/month or $100/year for enhanced rewards including 0.5% base Bitcoin back and up to 5% in rotating categories.
$49.99/year (or $4.99/month) Coinbase One membership required
Rewards Details
Rewards Rate
Rewards are gamified and vary:
- Free tier: Earn at least 1% Bitcoin back with chances to earn more through daily spins
- Fold+ members: 0.5% base rewards on all purchases
- Fold+ rotating categories: 1.5% to 5% back with select merchants
- Daily Spins: All members get one free spin per day with chances to win up to 1 full Bitcoin for Fold+ members
Tiered rewards based on assets held on Coinbase:
- 2%: Less than $10,000 in assets
- 2.5%: $10,000-$50,000 in assets
- 3%: $50,000-$200,000 in assets
- 4%: More than $200,000 in assets
For the 2.5%, 3% and 4% rates, rewards are capped at $10,000 in purchases per month. After that, the rate drops to 2%.
Rewards Type
Bitcoin (satoshis) - automatically deposited into your Fold account
Bitcoin (automatically deposited into Coinbase account after each purchase clears)
Sign-Up Bonus
None
None
Rewards Cap
Gamified Rewards: Rewards are randomized through the spin system. Fold+ members earn a guaranteed 0.5% base rate plus bonus rewards in rotating categories. Exact reward amounts vary based on spins and promotions.
Tiered Rewards & Monthly Cap:
- <$10k AOC: 2% back, uncapped
- $10k–$49,999 AOC: 2.5% on first $10k/mo, then 2%
- $50k–$199,999 AOC: 3% on first $10k/mo, then 2%
- $200k+ AOC: 4% on first $10k/mo, then 2%
How Rewards Work
Bitcoin (satoshis) is automatically added to your Fold account. You can also earn extra sats through daily spins on the rewards wheel and various promotions.
Bitcoin is automatically added to your Coinbase account after each purchase posts No claiming or conversion needed
Signing Up
Availability
USA only
USA only
Eligibility
Available to: U.S. residents only
Requirements: Must fund the card with your own money (debit card)
Available to- Coinbase One members in the U.S. (excluding U.S. Territories)
Subject to: Creditworthiness and other eligibility criteria
Credit Check
No credit check required - This is a debit card funded with your own money
No credit score impact when you check to see if you are approved
Using The Card
Foreign Transaction Fees
See terms for international transaction fees
$0 - No foreign transaction fees
Restrictions
Debit card limitations:
- Must be funded with your own money
- Does not build credit history
- Rewards subject to terms and conditions
Not all transactions are eligible to earn bitcoin back, including:
- Cash equivalent transactions
- Gambling or betting transactions
Coinbase may, at its sole discretion, determine a transaction is not eligible and may deny, restrict, or claw back bitcoin rewards accordingly.
APR
Regular APR
N/A – This is a debit card, not a credit card. You spend your own funds, so there is no APR or interest charges.
No APR for purchases – This card is a debit-style card, not a traditional credit card. You spend your own funds from your Coinbase account, so there is no purchase interest or regular APR. If you use the optional crypto-backed loan feature, loan APRs start around 5%.
Intro APR
N/A – Debit card with no credit line.
N/A – No introductory APR; card does not have a revolving credit line.
Additional Info
Official Site
Launched
2019
Fall 2025
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