Bitrefill Card vs Fold Bitcoin Credit Card
Head-to-head on the facts that decide your money - fee stacks, KYC, the bitcoin flow and limits.
Higher score
6.7
Full KYCCustodialBTC via in-app conversion
Short answer Fold Bitcoin Credit Card ranks higher on the documented evidence (6.7/10 vs unscored). The right pick still depends on your priority - see the flow comparison below.
| Bitrefill Card |  Fold Bitcoin Credit Card | |
|---|---|---|
| Bitcoin flow | ||
| BTC load | BTC via in-app conversion | BTC via in-app conversion |
| Lightning funding | balance only, not the card | no |
| BTC sale timing | BTC sold when you top up | BTC sold per transaction |
| Fees | ||
| Top-up fee | 1.99% | 0% |
| FX fee | 0% | 0% |
| Monthly fee | none | none |
| ATM fee | 2.49% | No ATM/cash-advance feature: the Celtic Bank cardholder agreement lists no cash-advance fee and states the account may not be eligible for cash advances |
| Cashback | 1% in EUR | 1.5% in BTC |
| Privacy & custody | ||
| KYC | Full KYC | Full KYC |
| Custody | Hybrid | Custodial |
| Limits | ||
| Daily spend limit | $10000.0 | not documented |
| ATM daily limit | not documented | not documented |
| Max load | $15000.0 | not documented |
| Availability | ||
| Regions | EEA | US |
| Network | Visa | Visa |
| Form factor | Physical + virtual | Physical |
| Apple Pay | no / unknown | yes |
Pick Bitrefill Card if
- you accept Full KYC KYC and its fee stack - and nothing else on this page outweighs it
Pick Fold Bitcoin Credit Card if
- Known fee stack (2.0 vs 0.0 % equivalents on a $500/mo profile)
- Higher documented cashback (1.5% vs 1)
Bitrefill Card
exists - active; EEA-only Visa-Karte (Wallester AS), crypto-to-EUR at_load (1.99% + Spread), Cashback 1%+1% in EUR/Store-Credit statt BTC
Fold Bitcoin Credit Card
The cleanest bitcoin-rewards credit card structure on the market: flat 1.5% in BTC with no cap and no annual fee, up to 4% for engaged users. It is a credit product - bureau checks and reporting apply, and the variable APR punishes carried balances.
More head-to-heads
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Compare any cards
FAQ
Which is better for privacy, Bitrefill Card or Fold Bitcoin Credit Card?
Both cards sit at the same KYC depth: Bitrefill Card and Fold Bitcoin Credit Card require Full KYC. Privacy separates them only through custody model and data-sharing practice - documented in each review. Lower KYC means less data exposure - and weaker regulatory protection if something goes wrong.
When does my bitcoin get sold on each card?
Bitrefill Card: BTC sold when you top up. Fold Bitcoin Credit Card: BTC sold per transaction. Sale timing determines your price exposure between loading and spending.
Which is cheaper overall?
Compare the full stack - top-up, FX, monthly, ATM - against your own spending mix in the fee calculator. Headline numbers alone flip with real usage.
Facts checked 2026-11-02 · How we verify