FoldFold Debit
73
Side-by-side card comparison
Fold Debit vs Coinbase One
Fold Debit Card has the higher Overall Score by 17 points (73 vs 56). Fold Debit Card also looks stronger for Cashback, Travel, Funds control, Lowest fees, and Transfers. The details below show where Coinbase One Card may still be the better personal fit.
Latest check Oct 14, 202652 official sources reviewed
Fold Debit Card
Best fit
- U.S. users funding a prepaid USD card through ACH or direct deposit.
- Reserve-enabled accounts earning 0.25% BTC without buying Reserve value.
- Paying everyday purchases and eligible ACH bills from the same USD account.
Before you choose
- Reserve is stored value, not a bank deposit, and is generally not cash-redeemable.
- Boosted debit rewards cover $5,000/month and exclude Fold credit-card holders.
- Fees and rewards depend on whether your account has moved to Reserve.
Coinbase One Card
Best fit
- Existing Coinbase One members who already pay for an eligible plan.
- Everyday credit-card spending with 2% back in BTC on eligible purchases.
- Booking through Coinbase One Card Travel for 5% back in BTC.
Before you choose
- Eligible membership starts at $49.99/year; Basic monthly does not qualify.
- 4% needs $200,000 on Coinbase; boosted rates cover $10,000/month of spend.
- U.S. residents only, excluding territories; credit approval is required.
Fees & features
Compare the details
Best markers compare published, comparable values. Unknown values never win a row.
Best known Not disclosed
CardsFold Debit CardOverall73Coinbase One CardOverall56
Fold Debit CardOverall73Coinbase One CardOverall56Scores
- Overall Score
- Fold Debit Card73Coinbase One Card56
- Cashback score
- Fold Debit Card45Coinbase One Card40
- Travel score
- Fold Debit Card78Coinbase One Card60
- Funds control score
- Fold Debit Card59Coinbase One Card36
- Lowest fees score
- Fold Debit Card72Coinbase One Card40
- Transfers score
- Fold Debit Card78Coinbase One Card24
Costs
- Plan cost
- Fold Debit Card$0Coinbase One Card$49.99/year
- FX fee
- Fold Debit Card$3 fixed foreign-purchase fee; waived at $5,000 Reserve or under legacy Fold+; Visa conversion separateCoinbase One Card0% foreign transaction fee; Amex conversion rates remain separate
- Top-up fee
- Fold Debit CardInstant debit funding costs 1.5%, capped at $25; ACH and direct-deposit routes are separateCoinbase One CardLinked U.S. bank or accepted Coinbase wallet repayment; crypto spread varies
- Card spending fee
- Fold Debit Card0%Coinbase One CardNot disclosed
- ATM fee
- Fold Debit Card$3.50 Fold fee; waived at $5,000 Reserve or under legacy Fold+; operator fees separateCoinbase One CardCash advance: greater of $10 or 5%, plus variable interest from posting and possible ATM-operator fees
- Virtual card
- Fold Debit CardNot disclosedCoinbase One CardNot disclosed
- Physical card
- Fold Debit Card$0 card purchase feeCoinbase One CardNot disclosed
Plans
- Available plans
- Fold Debit Card9 plans: Fold (legacy), Fold+ (legacy), Reserve base, Reserve $5,000 +5Coinbase One Card4 plans: AOC tier 1: 2%, AOC tier 2: 2.5%, AOC tier 3: 3%, AOC tier 4: 4%
- Top cashback plan
- Fold Debit CardReserve $100,000: 3%Coinbase One CardAOC tier 4: 4%: 4%
Everyday use
- Network
- Fold Debit CardVisaCoinbase One CardAmerican Express
- Card formats
- Fold Debit CardVirtual, PhysicalCoinbase One CardVirtual, Physical
- ATM withdrawals
- Fold Debit CardAvailableCoinbase One CardNot disclosed
- Mobile wallets
- Fold Debit CardApple Pay, Google PayCoinbase One CardApple Pay, Google Pay
- Apps
- Fold Debit CardiOS, AndroidCoinbase One CardiOS, Android, Web
- Daily spending limit
- Fold Debit Card$15,000 per transaction and per dayCoinbase One CardPersonalized credit limit; no reusable daily spend ceiling
- Monthly spending limit
- Fold Debit Card$50,000 per monthCoinbase One CardPersonalized credit limit; no reusable monthly spend ceiling
- ATM limit
- Fold Debit Card$250 per withdrawal; $1,000 daily and monthlyCoinbase One CardCash access and its sublimit are determined by the issuer
Funding & transfers
- Networks
- Fold Debit CardNot disclosedCoinbase One CardNot disclosed
- Crypto deposits
- Fold Debit CardNot disclosedCoinbase One CardNot disclosed
- Fiat deposits
- Fold Debit CardLinked-bank ACH, Direct deposit, Instant debit-card fundingCoinbase One CardNot disclosed
- Transfers
- Fold Debit CardACH withdrawal, Instant debit-card withdrawal, ATM withdrawal, ACH bill payCoinbase One CardNot disclosed
- Payout currencies
- Fold Debit CardUSD, USD cash equivalentCoinbase One CardNot disclosed
Rewards
- Base cashback
- Fold Debit Card0%Coinbase One Card2%
- Max cashback
- Fold Debit Card15%Coinbase One Card4%
- Reward currency
- Fold Debit CardBitcoinCoinbase One CardBitcoin
Earn
- Advertised APY
- Fold Debit CardNot offeredCoinbase One CardNot disclosed
- How it works
- Fold Debit CardNot offeredCoinbase One CardBorrow against collateral
- Separate deposit
- Fold Debit CardNot offeredCoinbase One CardNo
- Use balance for spending
- Fold Debit CardNot offeredCoinbase One CardNo
- Lock-up
- Fold Debit CardNot offeredCoinbase One CardYes
Trust & availability
- Custody
- Fold Debit CardCustodialCoinbase One CardCustodial
- Control until payment
- Fold Debit CardProvider controls fundsCoinbase One CardProvider controls funds
- Card issuer
- Fold Debit CardSutton BankCoinbase One CardFirst Electronic Bank
- Card processing
- Fold Debit CardMarqeta, Inc.Coinbase One CardNot disclosed
- Custody / key management
- Fold Debit CardBitGo Bank and Trust, N.A. / BitGo Prime LLCCoinbase One CardCoinbase, Inc.
- Bank transfers
- Fold Debit CardPlaid Inc., Astra, Inc.Coinbase One CardNot disclosed
Sources
- Official sources
- Fold Debit Card29Coinbase One Card23
- Last reviewed
- Fold Debit CardOct 14, 2026Coinbase One CardOct 11, 2026
Choosing between these cards
When to choose Fold Debit or Coinbase One
Keeping recurring costs down
Fold Debit's base plan is $0, compared with $49.99/year for Coinbase One. This favours Fold Debit for occasional use; card issuance and transaction fees are separate.
Using an exchange account
Fold Debit does not require a centralised-exchange account; Coinbase One does. Consider Coinbase One if you already want to use that exchange, or Fold Debit if you want to avoid that account requirement.
Common questions
Fold Debit vs Coinbase One FAQ
Is Fold Debit or Coinbase One better overall?
Fold Debit Card has the higher Overall Score (73 vs 56). That does not make it better for everyone: your preferred fees, rewards, way of holding funds and country availability can change the practical choice.
Which has lower fees, Fold Debit or Coinbase One?
Fold Debit Card has the lower starting plan cost ($0 vs $49.99/year). Compare plan, FX, card-spend, top-up and ATM charges separately because one fee does not represent the full cost.
Which has better cashback, Fold Debit or Coinbase One?
Coinbase One Card has the higher published base cashback rate (2% vs 0%). Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do Fold Debit and Coinbase One differ on custody?
Fold Debit Card and Coinbase One Card use the same custodial balance setup.
How current is this Fold Debit vs Coinbase One comparison?
The latest information check for these two cards was October 14, 2026, using 52 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.