Fold Card vs Lemon Card
Crypto enabled
Crypto enabled
Verdict
- Fold Card scores higher overall (4.8 vs 4.3 out of 10).
- Fold Card is clearly stronger on: Cashback & rewards.
- A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.
Fold Card is a good fit for
- Users who need credit rather than a debit/prepaid card
Stronger on: Cashback & rewards
Lemon Card is a good fit for
- No specific audience can be derived from the published data yet.
★ Our pickEditorial choice · score unchanged · Affiliate link
Neither card is our pick. The card we recommend instead:
Crypto native · ether.fi
Why we recommend it
- 3% cashback in ETHFI on up to $2,000 of spend a monthConditions apply
- 5.35% variable interest on your balanceConditions apply
- No annual or monthly fee on the base tierConditions apply
- Extras on the base tier: airport lounge access, travel / rental car insurance, purchase protectionConditions apply
- Self-custody: funds stay in your own walletConditions apply
Conditions apply; the review lists them with sources.
Score by criterion
| Criterion | Fold Card | Lemon Card |
|---|---|---|
| Fees | – | – |
| Cashback & rewards | 37 | 26 |
| Availability | 3 | 3 |
| FX & international | – | – |
| Product features | 70 | 70 |
| Custody & security | 75 | – |
| Credit & financing | 70 | – |
| Limits & ATM | – | – |
| Transparency | 100 | 100 |
| Best for Cashback | 4.3 | 3.7 |
| Best for High Spenders | 5.0 | 4.4 |
| Best for Beginners | 5.9 | 5.6 |
| Best Crypto Credit Card | 6.6 | n/a |
Conditions apply, e.g. only for the base tier, up to a monthly cap or in some countries. Tap a value with * (or hover over it) to see them.
Product
Product status
ActiveShow source
ActiveShow source
Card type
Credit cardShow source
Prepaid card, Credit cardShow source
Network
VisaShow source
VisaShow source
Custody model
CustodialConditions apply: tap or hover for detailsShow source
Bitcoin custody by BitGo
Card issuer / program manager
Celtic BankConditions apply: tap or hover for detailsShow source
program by Fold, Inc.
Fees
Physical card fee
FreeShow source
Cashback & rewards
Base cashback
1.5%Show source
Max cashback
5%Conditions apply: tap or hover for detailsShow source
Credit card, "up to" with conditions
2%Conditions apply: tap or hover for detailsShow source
"hasta" (up to) 2%
Cashback paid in
bitcoinShow source
BitcoinShow source
Cashback type
CryptoShow source
CryptoConditions apply: tap or hover for detailsShow source
Bitcoin or prize tickets
Interest on balance
4%Conditions apply: tap or hover for detailsShow source
Variable annual rate on digital pesos/dollars
Cashback-eligible spend cap
$5,000/monthConditions apply: tap or hover for detailsShow source
cap on boosted rate only; base 1.5% uncapped
Cashback conditions
Credit card and debit card rewards cannot be earned at the same timeShow source
Tickets for monthly prizes on payments over $10.000Show source
Staking / holding required for top rewards
YesConditions apply: tap or hover for detailsShow source
holding a Reserve balance (not locked) for boosted rates
Staking asset
Fold Reserve balanceShow source
Capital required for top rewards
$100,000Conditions apply: tap or hover for detailsShow source
for 5%; tiers from $15,000 (1.75%)
Credit & financing
Credit line
YesShow source
Interest notes
Variable APR based on creditworthiness, varies with Prime Rate; minimum interest charge $1.00Show source
Availability
Available in
United StatesShow source
ArgentinaShow source
Features
Apple Pay
YesShow source
Google Pay
YesShow source
Physical card
YesShow source
YesShow source
Virtual card
YesShow source
YesShow source
ATM withdrawals
YesShow source
Security & custody
Regulation / licences
PSAV registered No. 162 with Comisión Nacional de Valores (Argentina)Show source
Deposit protection
YesConditions apply: tap or hover for detailsShow source
Pass-through FDIC up to $250,000 on Prepaid Debit Card balances; bitcoin not insured
NoShow source
Annual cost at 1,500 EUR/month
Fold Card
- Annual & monthly feesunknown
- FX costsunknown
- Crypto conversion–
- ATM costsunknown
- Cashback+270 EUR
- Net annual valuenot enough data
Lemon Card
- Annual & monthly feesunknown
- FX costsunknown
- Crypto conversion–
- ATM costsunknown
- Cashbackunknown
- Net annual valuenot enough data
Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers