Bitstack 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.
| Bitstack Card |  Fold Bitcoin Credit Card | |
|---|---|---|
| Bitcoin flow | ||
| BTC load | No direct BTC load | BTC via in-app conversion |
| Lightning funding | no | no |
| BTC sale timing | Not documented | BTC sold per transaction |
| Fees | ||
| Top-up fee | 0.7% | 0% |
| FX fee | not documented | 0% |
| Monthly fee | none | none |
| ATM fee | 1% | 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 | 0.1% in BTC | 1.5% in BTC |
| Privacy & custody | ||
| KYC | Full KYC | Full KYC |
| Custody | Custodial | Custodial |
| Limits | ||
| Daily spend limit | not documented | not documented |
| ATM daily limit | $200.0 | not documented |
| Max load | not documented | not documented |
| Availability | ||
| Regions | FR | US |
| Network | Visa | Visa |
| Form factor | Physical + virtual | Physical |
| Apple Pay | yes | yes |
Pick Bitstack 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 (0.7 vs 0.0 % equivalents on a $500/mo profile)
- Higher documented cashback (1.5% vs 0.1)
Bitstack Card
exists - active, France-only Visa-Karte (Xpollens-EMI) mit instanten Round-Ups + BTC Stackback (Basis 0.1%/0.15%, up to 1%/1.5% abhaengig von automatischen Ersparungen)
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.
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FAQ
Which is better for privacy, Bitstack Card or Fold Bitcoin Credit Card?
Both cards sit at the same KYC depth: Bitstack 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?
Bitstack Card: Not documented. 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