Fold
Fold Card
DebitVisaCustodial
Max Cashback15%
Annual FeeFree
Time in Market12 years
KYCRequired
Insights
Elite Cashback
Extremely high cashback - best suited for heavy spenders who can maximize rewards.
Custodial Model
Custodial model - closer to a traditional fintech experience with simpler UX.
Full KYC Required
Full KYC - typical for regulated neobanks, usually enabling higher limits and broader coverage.
Key Facts
Annual Fee
FreeFX Fees
0%Network
VisaCustody
CustodialRegions
USAssets
Bitcoin OnlyMetal
NoSignup Bonus
Free SatsHighlights
Bitcoin Rewards
Up to 1.5% back with ACH bill pay rewards
Gift card rewards and up to 15% back on merchant boosts
1.5% back on categories like dining and travel