Fold Bitcoin Credit Card vs PlasBit
Head-to-head on the facts that decide your money - fee stacks, KYC, the bitcoin flow and limits.
Short answer Fold Bitcoin Credit Card wins overall (6.3/10 vs 3.8/10). The right pick still depends on your priority - see the flow comparison below.
Who wins what
Fold Bitcoin Credit CardKnown fee stack (0.0 vs 1.5 % equivalents on a $500/mo profile)- Fold Bitcoin Credit CardHigher documented cashback (1.5% vs 0)
PlasBitApple Pay support- PlasBitGoogle Pay support
- Fold Bitcoin Credit CardPhysical card option
Rule-based on the documented facts below - no judgement calls.
| Fold Bitcoin Credit Card | PlasBit | |
|---|---|---|
| Bitcoin flow | ||
| BTC load | BTC via in-app conversion | Direct BTC top-up (on-chain) |
| Lightning funding | no | no |
| BTC sale timing | BTC sold per transaction | Not documented |
| Fees | ||
| Top-up fee | 0% | 0% |
| FX fee | 0% | 1.5% |
| 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 | none |
| Privacy & custody | ||
| KYC | Full KYC | Full KYC |
| Custody | Custodial | Custodial |
| Limits | ||
| Daily spend limit | not documented | not documented |
| ATM daily limit | not documented | not documented |
| Max load | not documented | not documented |
| Availability | ||
| Regions | US | GLOBAL |
| Network | Visa | Visa |
| Form factor | Physical | Virtual |
| Apple Pay | yes - 'instant provisioning to Apple Pay and Google Pay' (operator). | no (not documented as of 2026-11-07) |
| Google Pay | yes - 'instant provisioning to Apple Pay and Google Pay' (operator). | no (not documented as of 2026-11-07) |
| ATM withdrawal | no (not documented as of 2026-11-07) | no (not documented as of 2026-11-07) |
Pick Fold Bitcoin Credit Card if
- Known fee stack (0.0 vs 1.5 % equivalents on a $500/mo profile)
- Higher documented cashback (1.5% vs 0)
- Physical card option
Pick PlasBit if
- you accept Full KYC KYC and its fee stack - and nothing else on this page outweighs it
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.
PlasBit
A crypto-banking platform whose card program requires verification before use - a verify listing, not a recommendation.
More head-to-heads
Fold Bitcoin Credit Card vs Nexo CardFold Bitcoin Credit Card vs Coinbase One CardFold Bitcoin Credit Card vs Krak Card (Kraken)Fold Bitcoin Credit Card vs MoonFold Bitcoin Credit Card vs NuriFold Bitcoin Credit Card vs Gemini Credit Card
Compare any cards
FAQ
Which is better for privacy, Fold Bitcoin Credit Card or PlasBit?
Both cards sit at the same KYC depth: Fold Bitcoin Credit Card and PlasBit 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?
Fold Bitcoin Credit Card: BTC sold per transaction. PlasBit: Not documented. 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