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Unofficial MPChat-inspired card design concept; not an issued card design
52Overall

Best fit

  • MPChat Pay users allocating USDT to a separate Visa spending balance.
  • Choosing Cloud for online payments or Boundless for physical-card use.

Before you choose

  • Each purchase costs 0.8%, plus variable USDT conversion and any issuer FX.
  • Cloud costs 10 USDT; Boundless costs 100 USDT and charges 2% for ATMs.
Read review
Bright yellow Fold Visa debit card front
73Overall

Best fit

  • U.S. users funding a prepaid USD card through ACH or direct deposit.
  • Earning BTC on eligible purchases with at least $5,000 qualifying Reserve.

Before you choose

  • Reserve is stored value without bank deposit insurance or general cash redemption.
  • Prepaid rewards cover $5,000/month and exclude Fold credit-card holders.
Read review
2 of 4 cards selected

Fees, rewards & everyday use

Compare the details

MPChat Card52
Fold Debit Card73
01

Scores

Overall Score
MPChat Card: 52
Fold Debit Card: 73
Cashback score
MPChat Card: 18
Fold Debit Card: 45
Travel score
MPChat Card: 72
Fold Debit Card: 78
Funds control score
MPChat Card: 41
Fold Debit Card: 59
Lowest fees score
MPChat Card: 60
Fold Debit Card: 72
Transfers score
MPChat Card: 58
Fold Debit Card: 78
02

Costs

Plan cost
MPChat Card: $0
Fold Debit Card: $0
FX fee
MPChat Card: 0%
Fold Debit Card: $3 fixed foreign-purchase fee; waived with Spin+; Visa conversion separate
Top-up fee
MPChat Card: USDT on Tron (TRC20); minimum received 10 USDT; allocate Pay balance to card
Fold Debit Card: Instant debit funding costs 1.5%, capped at $25; ACH and direct-deposit routes are separate
Card spending fee
MPChat Card: 0.8%
Fold Debit Card: 0%
ATM fee
MPChat Card: Boundless only: 2%, minimum $1; Cloud has no ATM access
Fold Debit Card: $0–$3.50/withdrawal
Virtual card
MPChat Card: Cloud: 10 USDT one time
Fold Debit Card: Not disclosed
Physical card
MPChat Card: $100
Fold Debit Card: $0
Asset conversion fee
MPChat Card: Not disclosed
Fold Debit Card: 0%
03

Plans & rewards

Entry plan
MPChat Card: Cloud Card
Fold Debit Card: Reserve entry
Base cashback
MPChat Card: Not disclosed
Fold Debit Card: 0%
Max cashback
MPChat Card: Not disclosed
Fold Debit Card: 3%
Reward currency
MPChat Card: Not disclosed
Fold Debit Card: BTC
Cashback cap · entry plan
MPChat Card: Not disclosed
Fold Debit Card: $0 / month
Top cashback plan
MPChat Card: Not disclosed
Fold Debit Card: Reserve $100,000
Cashback on top plan
MPChat Card: Not disclosed
Fold Debit Card: 3% in BTC
Cashback cap · top plan
MPChat Card: Not disclosed
Fold Debit Card: $150 / month
Top plan price / access
MPChat Card: Not disclosed
Fold Debit Card: $100,000 · minimum qualifying Reserve stored value
Top plan qualification
MPChat Card: Not disclosed
Fold Debit Card: Maintain $100,000 qualifying Reserve stored value
Reward payout
MPChat Card: Not disclosed
Fold Debit Card: Rewards remain pending for 30 days; BTC withdrawal requires 30,000 sats.
Programme opt-in
MPChat Card: Not disclosed
Fold Debit Card: Required
04

Everyday use

Network
MPChat Card: Visa
Fold Debit Card: Visa
Card formats
MPChat Card: Virtual, Physical
Fold Debit Card: Virtual, Physical
ATM withdrawals
MPChat Card: Available
Fold Debit Card: Available
Mobile wallets
MPChat Card: Google Pay
Fold Debit Card: Apple Pay, Google Pay
Apps
MPChat Card: Not disclosed
Fold Debit Card: iOS, Android
Daily spending limit
MPChat Card: $250,000 / day
Fold Debit Card: $15,000 / day
Monthly spending limit
MPChat Card: $1,000,000 / month
Fold Debit Card: $50,000 / month
ATM limit
MPChat Card: $1,500 / day
Fold Debit Card: $250 / withdrawal
05

Money in & out

Networks
MPChat Card: Tron (TRC20)
Fold Debit Card: Not disclosed
Stablecoin deposits
MPChat Card: USDT
Fold Debit Card: Not disclosed
Other crypto deposits
MPChat Card: Not disclosed
Fold Debit Card: Not disclosed
Fiat deposits
MPChat Card: Not disclosed
Fold Debit Card: Linked-bank ACH, Direct deposit, Instant debit-card funding
Crypto transfers
MPChat Card: External USDT withdrawal
Fold Debit Card: Not disclosed
Internal transfers
MPChat Card: Not disclosed
Fold Debit Card: Not disclosed
Bank transfers
MPChat Card: Not disclosed
Fold Debit Card: ACH withdrawal, Instant debit-card withdrawal, ATM withdrawal +1
Payout currencies
MPChat Card: Not disclosed
Fold Debit Card: USD, USD cash equivalent
06

Earn

Advertised APY
MPChat Card: Not offered
Fold Debit Card: Not offered
How it works
MPChat Card: Not offered
Fold Debit Card: Not offered
Separate deposit
MPChat Card: Not offered
Fold Debit Card: Not offered
Use balance for spending
MPChat Card: Not offered
Fold Debit Card: Not offered
Lock-up
MPChat Card: Not offered
Fold Debit Card: Not offered
07

Trust & sources

Custody
MPChat Card: Custodial
Fold Debit Card: Custodial
Control until payment
MPChat Card: Provider controls funds
Fold Debit Card: Provider controls funds
Card issuer
MPChat Card: Not disclosed
Fold Debit Card: Sutton Bank
Card processing
MPChat Card: Not disclosed
Fold Debit Card: Marqeta, Inc.
Custody / key management
MPChat Card: Not disclosed
Fold Debit Card: BitGo Bank and Trust, N.A. / BitGo Prime LLC
Bank transfers
MPChat Card: Not disclosed
Fold Debit Card: Plaid Inc., Astra, Inc.
Official sources
MPChat Card: 30
Fold Debit Card: 30
Last reviewed
MPChat Card: Nov 12, 2026
Fold Debit Card: Nov 12, 2026

Sign-up Offers

Unofficial MPChat-inspired card design concept; not an issued card design

MPChat Card

Partner offer

5 USDT after first virtual card approval

Complete application and card approval; the reward is credited to MPChat Pay after approval.

MPChat's friend-benefits page states 5 USDT after first virtual-card approval; one application guide uses 5 USD wording.

Offer details & conditions

Download MPChat through this referral link.

Download MPChat through the referral link.

Enter coupon ID 76912265 during activation of your first virtual card.

Enter this coupon ID during first virtual card activation76912265

The offer is for a referred user's first virtual card; Boundless physical-card activation is not confirmed as eligible.

MPChat's friend-benefits page states 5 USDT after first virtual-card approval; one application guide uses 5 USD wording.

Get MPChatRead review
See other offers

Partner links may earn us a commission. They never affect scores or rankings. Affiliate disclosure

Using the comparison

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Yes. Select up to four cards. On a phone, two cards appear side by side. Tap the left or right card menu to show another selected card; the rest stay in your comparison.

How do I add or replace a card?

Open Change cards, choose two to four cards and apply your selection. The same control stays beside the section menu as you scroll through the table.

Which plan do the cashback figures describe?

Entry-plan and top-plan rewards have separate rows, with the plan name shown for each. A headline maximum can apply to a bonus category rather than every purchase. The info icons beside the figures show their qualifying terms.

What is the difference between the cashback caps?

A cashback cap limits the rewards you earn. A full-rate spend cap limits the purchases earning a particular rate; a lower rate may apply afterwards. A redemption cap limits how much you can redeem. These are separate rows because they measure different things.

Does Not disclosed mean a fee is zero?

No. It means we do not have a published figure for that item. Confirmed zero fees appear as 0% or $0. Tap an info icon for plan, asset or regional conditions attached to a published fee.

Do partner offers influence the scores?

No. Scores and rankings follow our published methodology. Partner links, signup offers and commissions never change those calculations.

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