| Spec | Fold | BitPay |
|---|---|---|
| Network | Visa | Mastercard |
| Chain | Bitcoin | Multi-chain |
| Custody | Custodial | Custodial |
| Cashback | Up to 15% | 0% |
| Annual Fee | $0 / $100 | $0 |
| FX Fee | 0% | 2% |
| Regions | 🇺🇸 Americas | 🇺🇸 Americas |
BitPay edges ahead with better specs overall.
Both offer comparable cashback rates.
Fold is Custodial, while BitPay is Custodial.
Fold charges $0 / $100 annually, while BitPay charges $0.