USD Bitcoin Cards

The US lane is this market's home stretch: the most documented programs, the most consumer regulation, and the cleanest fee structures - priced against a population that mostly does not serve US residents at all. The ranking on this page sorts the documented-availability question first, because it is the only one that matters if onboarding fails; the fee math follows.

27 cards match the filter. 16 document US availability; the rest are global programs whose US terms you must verify before ordering. The home-market programs - Fold, Cash App, CoinZoom - publish their fee schedules in writing, which is why they lead.

What Regulation E actually covers

Regulation E gives US prepaid card users three concrete rights: error resolution (dispute a wrong charge, get an answer in a defined window), advance disclosure of fees, and bounded liability on unauthorized use [1]. Fold's and Cash App's prepaid programs sit under bank partnerships and inside that framework [4][5]. It is real protection - for transactions. It does not insure the balance, and it does not reach a program that fails operationally; the custody guide covers that distinction.

The credit shapes run different rules: Fold's credit product runs a billing-dispute regime under its issuer's terms, not Reg E [4]. The distinction matters for big purchases - the refunds guide prices which regime applies to which card kind.

The fee stack, US edition

22 of the cards here charge no monthly fee, and the median monthly cost at the $200 profile is $0. The costs concentrate in three places. ATM fixed fees - $3.50 at Fold [4], $2.50 at Cash App [6], $3 plus 2% at KAST [9] - dominate small withdrawals. Foreign spend carries 3% on Cash App [5] and program-set percentages elsewhere; 7 of the cards document 0% FX. And the conversion layer (your BTC becoming dollars) is documented at authorization on the best programs [4] and silent on the rest.

Live values from our database - details and caveats in each review. "-" = not published by the operator.

The tax overlay

Every conversion is a disposal [3], and US reporting obligations on digital assets have their own regime [2]. This is the lane where sale timing matters most in practice: Fold's documented at-authorization conversion [4] gives you a countable event per purchase; at-load programs one per load. Neither is avoidable; both are manageable with monthly exports. The tax estimator prices your event count; the borrow lane is the structural alternative that avoids the disposal entirely.

The program map, honestly

The population splits into three shapes, and they behave differently enough that the comparison is really between product categories. The home-market programs (Fold, Cash App, CoinZoom, Revolut US, the Gemini credit card) run US KYC, US-regulated issuing, and the deepest documentation - Fold's sale-at-authorization clause [4] and Cash App's archived fee schedule [5] are the lane's paper standards. The global exchange programs (Bitget, Bybit) match this page through global coverage while restricting or skipping US onboarding entirely; they rank here on documented regions, and their terms deserve the full Bitcoin-Check read before signup. And the hybrid credit shapes (Fold's Celtic-issued card [4], Gemini's credit product [8]) carry different protections and different cashback structures than their debit siblings.

What unites them is the fee table: 22 with no monthly fee, ~0% median top-up cost, and conversion timing documented on the leaders and silent elsewhere. That last fact is the lane's live fault line - 6 programs document per-transaction sale, and the rest make you ask. Ask first; order second.

Field notes

• Verify onboarding before verifying fees. Region columns are documented availability; app-store listings confirm active development [7]. If a program does not document US onboarding, treat signup as research, not a purchase.
• Do the ATM math once. $3.50 on a $40 withdrawal is 8.75% [4]. Larger, rarer withdrawals or a program with a free cash layer beat every percentage discount.
• Export the tax trail monthly. At-spend conversions generate a disposal per purchase [3]; April-you will not reconstruct June. The tax records guide is the workflow.
• Match the rail to the load size. ACH for recurring, on-chain for amounts where cents of miner fee are noise, Lightning for speed [7]. The load planner prices all three.
• Re-read after every program update. Fold's September 2026 rewards restructure [4] is the reminder: US programs reprice fast, and the changelog is never mailed.

Warnings and hard limits

• Global availability is not US availability. Several global programs on this page restrict US onboarding; the filter here matches documented regions, and the region map is not a signup guarantee. The Bitcoin-Check pages carry the per-program onboarding facts.
• Reg E does not make your balance safe [1]. Error-resolution rights protect transactions; the balance remains an unsecured claim. That is the structural argument for small balances on every program here.
• FX and spread are different layers. A documented 3% [5] is honest pricing; an undisclosed spread is the cost the spread guide teaches you to measure.
• Cashback restructures without notice. 7 of the cards publish caps, and tier structures change quarterly in this market. The cashback hub tracks the movement.

The cashback hub prices the rewards end of this lane, and the fee calculator nets any stack at your actual profile. The US lane is the best-documented in this market - use that to your advantage.

Sources

1. eCFR 12 CFR Part 1005 (Regulation E) - prepaid card error-resolution and disclosure rights - accessed 2026-10-05
2. IRS digital assets guidance - reporting obligations for digital asset transactions - accessed 2026-10-05
3. IRS FAQ on virtual currency - exchanging crypto for fiat is a taxable disposal - accessed 2026-10-05
4. Fold cardholder agreement - US prepaid program fee schedule, sale at authorization - accessed 2026-10-05
5. Cash App card agreement (Wayback snapshot) - 3% foreign transaction fee, $0 card loads - accessed 2026-10-05
6. Cash App card fee schedule (Wayback snapshot) - $2.50 ATM withdrawal fee - accessed 2026-10-05
7. CoinZoom - US card program, fee table, ZoomMe funding - accessed 2026-10-05
8. Gemini credit card - US credit product paying BTC rewards - accessed 2026-10-05
9. KAST - global program with documented US availability and fee structure - accessed 2026-10-05