Fold Debit Card vs Crypto.com Card
Key differences
- Fold rewards are paid in Bitcoin (satoshis), while Crypto.com rewards are paid only in CRO token which must be converted if you want Bitcoin.
- Fold offers gamified rewards with daily spins and up to 5% back for Fold+ members, while Crypto.com offers tiered rewards from 1.5% to 6% based on card tier and CRO staking/subscription level.
- Fold has a simpler structure with a free tier or $10/month Fold+ membership, while Crypto.com requires CRO lockups ($500-$500,000) or subscriptions for higher reward tiers and has monthly reward caps on mid-tier cards.
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Card Material
Standard Visa debit card
Metal card (all paid/lockup tiers). Color depends on tier (Midnight Blue, Ruby Steel, Jade, Indigo, Icy White, Rose Gold, Obsidian).
Card Details
Card Type
Debit Card
Prepaid Visa (not a credit card)
Network
Visa
Visa Signature®
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.
Varies by card tier
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
Rewards rate by card tier (2026 rates):
- Midnight Blue (Basic): 0% back (free, no lockup or subscription)
- Ruby Steel (Plus): 2% back ($4.99/mo or $49.90/yr subscription, or $500 CRO lockup)
- Jade/Indigo (Pro): 3% back ($29.99/mo or $299.90/yr subscription, or $5,000 CRO lockup)
- Icy White/Rose Gold (Private): 4% back ($50,000 CRO lockup)
- Obsidian (Private): 5% back ($500,000 CRO lockup)
Rewards Type
Bitcoin (satoshis) - automatically deposited into your Fold account
All rewards are paid in CRO (Crypto.com''s token). CRO can be exchanged for other assets in-app; value fluctuates.
Sign-Up Bonus
None
Midnight Blue $100 in CRO after $1,500 spend in 90 days
Ruby $200 in CRO after $2,000 in 90 days
Indigo/Jade $300 in CRO after $5,000 in 90 days
Icy/Rose $1,000 in CRO after $10,000 in 90 days
Obsidian $2,500 in CRO after $20,000 in 90 days
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.
Monthly CRO reward cap
- Midnight Blue (Basic): N/A (0% rewards)
- Ruby (Plus): $25/mo
- Jade/Indigo (Pro): $75/mo
- Icy/Rose/Obsidian (Private): No limit
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.
CRO rewards usually credited instantly to your app wallet. Cannot access or sell locked CRO.
Signing Up
Availability
USA only
United States, Canada, Europe, UK, Australia, Singapore, Brazil & more (see Crypto.com for full list)
Eligibility
Available to: U.S. residents only
Requirements: Must fund the card with your own money (debit card)
Available U.S. residents, many other countries.
ID verification required. No credit check.
Credit Check
No credit check required - This is a debit card funded with your own money
No credit check required (prepaid – load with fiat, not linked to bank/revolving credit)
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
Note Rewards only on eligible purchases (no rewards on some codes—see T&Cs). CRO lockup required for premium tiers. Program may change without notice.
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.
N/A – Prepaid so no revolving balance or purchase APR
Intro APR
N/A – Debit card with no credit line.
N/A – Prepaid, no promo APR
Additional Info
Official Site
Referral Program
Referral program Earn up to $25 in CRO for referring friends (with CRO staking and eligibility).
Launched
2019
2018 (most recent refresh in 2025)
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