ether.fi Cash vs Fold Bitcoin Credit Card
Head-to-head on the facts that decide your money - fee stacks, KYC, the bitcoin flow and limits.
Short answer ether.fi Cash wins overall (7.8/10 vs 6.3/10). The right pick still depends on your priority - see the flow comparison below.
Who wins what
Fold Bitcoin Credit CardKnown fee stack (1.0 vs 0.0 % equivalents on a $500/mo profile)
ether.fi CashLighter KYC (Basic KYC vs Full KYC)- ether.fi CashHigher documented cashback (3% vs 1.5)
- ether.fi CashWider documented availability
Rule-based on the documented facts below - no judgement calls.
| ether.fi Cash | Fold Bitcoin Credit Card | |
|---|---|---|
| Bitcoin flow | ||
| BTC load | Direct BTC top-up (on-chain) | BTC via in-app conversion |
| Lightning funding | no | no |
| BTC sale timing | You sell manually in the app | BTC sold per transaction |
| Fees | ||
| Top-up fee | 0% | 0% |
| FX fee | 1% | 0% |
| Monthly fee | none | none |
| ATM fee | 0 (operator fee); standard ATM and network fees may apply - Core/Luxe free up to 10 withdrawals/month, Pinnacle/VIP free unlimited; blocked in North Korea, Iran, Myanmar | 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 | 3% in ETHFI | 1.5% in BTC |
| Privacy & custody | ||
| KYC | Basic KYC | Full KYC |
| Custody | Self-custody | Custodial |
| Limits | ||
| Daily spend limit | not documented | not documented |
| ATM daily limit | $25,000 per rolling 24h (max $5,000 per withdrawal, max 5 attempts incl. declined; help article 303623, checked 2026-11-04) | not documented |
| Max load | Borrowing capacity limited by portfolio value/collateral terms | not documented |
| Availability | ||
| Regions | US, UK, EEA, APAC, LATAM, MENA | US |
| Network | Visa | Visa |
| Form factor | Physical + virtual | Physical |
| Apple Pay | yes - Help center article 311478: 'You can add your ether.fi card to Apple Wallet or Google Pay in just a few minutes.' Regional caveat: 'Apple Pay is only available for cardholders living in certain countries, based on the country of residence on your ether.fi account.' | yes - 'instant provisioning to Apple Pay and Google Pay' (operator). |
| Google Pay | yes - Help center article 311478: 'You can add your ether.fi card to Apple Wallet or Google Pay in just a few minutes.' Regional caveat: 'Apple Pay is only available for cardholders living in certain countries, based on the country of residence on your ether.fi account.' | yes - 'instant provisioning to Apple Pay and Google Pay' (operator). |
| ATM withdrawal | yes (card + contactless) | no (not documented as of 2026-11-07) |
Pick ether.fi Cash if
- Lighter KYC (Basic KYC vs Full KYC)
- Higher documented cashback (3% vs 1.5)
- Wider documented availability
Pick Fold Bitcoin Credit Card if
- Known fee stack (1.0 vs 0.0 % equivalents on a $500/mo profile)
ether.fi Cash
A real bitcoin lane with unusual custody: BTC sits in your own vault and nothing sells without you - swap to USDC manually when you want, or borrow against the stack and keep the coins. The card itself rides Visa through Third National with 3% ETHFI cashback, bank rails in four currencies and KYC that in practice asks only for an ID and a selfie (verified first-hand with a Paraguayan cedula and a German passport, September 2026). Weigh against: no BTC cashback, interest from the first borrowed payment, the November 2025 fraud incident with promised refunds, and rewards now locked in a volatile token.
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
FAQ
Which is better for privacy, ether.fi Cash or Fold Bitcoin Credit Card?
When does my bitcoin get sold on each card?
Which is cheaper overall?
Facts checked 2026-11-07 · How we verify