Fold Bitcoin Credit Card vs Nexo Card
Head-to-head on the facts that decide your money - fee stacks, KYC, the bitcoin flow and limits.
Short answer too close to call on the weighted score. The decision is your use case: check the bitcoin-flow rows below.
Who wins what
Fold Bitcoin Credit CardKnown fee stack (0.0 vs 0.2 % equivalents on a $500/mo profile)
Nexo CardHigher documented cashback (2% vs 1.5)- Nexo CardWider documented availability
Rule-based on the documented facts below - no judgement calls.
| Fold Bitcoin Credit Card | Nexo Card | |
|---|---|---|
| Bitcoin flow | ||
| BTC load | BTC via in-app conversion | BTC via in-app conversion |
| Lightning funding | no | no |
| BTC sale timing | BTC sold per transaction | Not documented |
| Fees | ||
| Top-up fee | 0% | 0% |
| FX fee | 0% | 0.2% |
| Monthly fee | none | none |
| ATM fee | 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 | 2% |
| Cashback | 1.5% in BTC | 2% in NEXO |
| Privacy & custody | ||
| KYC | Full KYC | Full KYC |
| Custody | Custodial | Custodial |
| Limits | ||
| Daily spend limit | not documented | not documented |
| ATM daily limit | not documented | Free tier allowances: EUR 200-2,000 per month by loyalty tier |
| Max load | not documented | not documented |
| Availability | ||
| Regions | US | EEA, UK, LATAM |
| Network | Visa | Mastercard |
| Form factor | Physical | Physical + virtual |
| Apple Pay | yes - 'instant provisioning to Apple Pay and Google Pay' (operator). | yes - Card page: 'Add your Nexo Card to Apple Pay' + 'Apple Pay and Google Pay supported for smooth, card-free transactions' + app flow 'Choose Add to Wallet ... spend with Apple Pay or Google Pay right away'. |
| Google Pay | yes - 'instant provisioning to Apple Pay and Google Pay' (operator). | yes - Card page: 'Add your Nexo Card to Apple Pay' + 'Apple Pay and Google Pay supported for smooth, card-free transactions' + app flow 'Choose Add to Wallet ... spend with Apple Pay or Google Pay right away'. |
| ATM withdrawal | no (not documented as of 2026-11-07) | yes (card + PIN 2%) |
Pick Fold Bitcoin Credit Card if
- Known fee stack (0.0 vs 0.2 % equivalents on a $500/mo profile)
Pick Nexo Card if
- Higher documented cashback (2% vs 1.5)
- Wider documented availability
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.
Nexo Card
The most complete dual-mode card: one tap switches between spending your crypto (Debit, with daily interest) and borrowing against it (Credit, from 1.9%) - with free ATM allowances up to EUR 2,000/month and no card fees. The catch: meaningful cashback needs a $5,000+ portfolio and is denominated in NEXO, and it is EEA/UK-only.
More head-to-heads
FAQ
Which is better for privacy, Fold Bitcoin Credit Card or Nexo Card?
When does my bitcoin get sold on each card?
Which is cheaper overall?
Facts checked 2026-11-02 · How we verify