FoldFold Debit
72
Side-by-side card comparison
Fold Debit vs Fasset: fees, rewards and account setup
Fold Debit Card has the higher Overall Score by 19 points (72 vs 53). Fold Debit Card also looks stronger for Cashback, Travel, Funds control, Lowest fees, and Transfers. The details below show where Fasset Card may still be the better personal fit.
Information checked Aug 14, 202638 official sources reviewed
01 · Make the first cut
Fold Debit Card is the better all-round starting point
Fold Debit Card has the higher Overall Score in this comparison. Fasset Card may still suit you better if its card format, way of holding funds or availability is the deciding factor. A score cannot tell you whether a provider will accept your application or whether every feature will be available where you live, so check the latest provider terms before signing up.
OverallFold Debit72Fasset53Higher score
CashbackFold Debit40Fasset19Higher score
TravelFold Debit78Fasset30Higher score
Funds controlFold Debit59Fasset45Higher score
Lowest feesFold Debit71Fasset51Higher score
TransfersFold Debit77Fasset50Higher score
Choose Fold Debit Card if cashback and travel matter most
Fold Debit Card comes out ahead for Cashback, Travel, Funds control, Lowest fees, and Transfers in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Several USD funding routes
- Physical card and phone wallets
- Fold+ bitcoin rewards
Choose Fasset Card if its day-to-day setup suits you
Fasset Card does not lead one of the use-case scores here, but it can still be the right choice when its costs, rewards and day-to-day setup match how you plan to use it. The other card looks stronger for Cashback, Travel, Funds control, Lowest fees, and Transfers, so compare that advantage with the features you would actually use.
- Clear internal USDT funding flow
- Broad phone-wallet support
- Complete card-country list
The differences that could change the result
The overall score points one way, but a specific use case or product condition may point another.
- Overall Score
- Fold Debit72Fasset53
Fold Debit Card has the higher Overall Score by 19 points.
- Entry cost & FX
- Fold Debit$0 plan · $3 fixed provider fee per foreign transaction for Fold; $0 for Fold+; no percentage FX fee is inferred FXFassetNot disclosed plan · 3% non-USD FX; up to 3% cross-border may also apply FX
The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option.
- Purchase rewards
- Fold Debit0% base · up to 15%FassetNot disclosed
The providers have not published enough matching base cashback information to name a winner. Check the maximum rates, reward assets, caps and conditions below.
- Funds control
- Fold DebitCustodial balanceFassetCustodial balance
Fold Debit Card and Fasset Card use the same custodial balance setup.
- Everyday access
- Fold DebitVirtual + Physical · Apple Pay, Google PayFassetVirtual · Apple Pay, Google Pay
Fold Debit Card lists more card formats and phone-wallet options (4 vs 3).
- Money movement
- Fold Debit0 stablecoins · ACH withdrawal, Instant debit-card withdrawal, ATM withdrawal, ACH bill payFasset1 stablecoin · Card balance back to Fasset Wallet
Fold Debit Card lists more stablecoins and ways to send money out (4 vs 2).
02 · Read the shortlist
A closer look at the two cards
These quick facts cover the costs, rewards and everyday features most likely to shape your choice. Use the full table below when you want the finer details.
- Cashback
- 0%-15%
- Plan cost
- $0
- FX fee
- $3 fixed provider fee per foreign transaction for Fold; $0 for Fold+; no percentage FX fee is inferred
- ATM fee
- $3.50 Fold provider fee for the free plan; $0 for Fold+; operator fees may apply
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 0 crypto · 3 fiat
- Payout methods
- 0 crypto · 2 fiat
- Cashback
- Not disclosed
- Plan cost
- Not disclosed
- FX fee
- 3% non-USD FX; up to 3% cross-border may also apply
- ATM fee
- Not available
- Card formats
- Virtual
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 1 crypto · 0 fiat
- Payout methods
- 0 crypto · 0 fiat
03 · Compare the details
Compare the details side by side
We highlight a better number only when both cards publish values that can be compared fairly. Anything missing stays clearly marked.
Best known Not disclosed
CardsFold Debit CardOverall72Fasset CardOverall53
Fold Debit CardOverall72Fasset CardOverall53Scores
6 fields- Overall Score
- Fold Debit Card72Fasset Card53
- Cashback score
- Fold Debit Card40Fasset Card19
- Travel score
- Fold Debit Card78Fasset Card30
- Funds control score
- Fold Debit Card59Fasset Card45
- Lowest fees score
- Fold Debit Card71Fasset Card51
- Transfers score
- Fold Debit Card77Fasset Card50
Strengths & trade-offs
2 fields- Strengths
- Fold Debit CardSeveral USD funding routes, Physical card and phone walletsFasset CardClear internal USDT funding flow, Broad phone-wallet support
- Trade-offs
- Fold Debit CardU.S.-only applications, Free-plan ATM and foreign feesFasset CardForeign spend can be expensive, OWN reward economics are missing
Costs
7 fields- Plan cost
- Fold Debit Card$0Fasset CardNot disclosed
- FX fee
- Fold Debit Card$3 fixed provider fee per foreign transaction for Fold; $0 for Fold+; no percentage FX fee is inferredFasset Card3% non-USD FX; up to 3% cross-border may also apply
- Top-up fee
- Fold Debit CardInstant debit funding costs 1.5%, capped at $25; ACH and direct-deposit routes are separateFasset Card0%
- Card spending fee
- Fold Debit Card0%Fasset Card0%
- ATM fee
- Fold Debit Card$3.50 Fold provider fee for the free plan; $0 for Fold+; operator fees may applyFasset CardNot available
- Virtual card
- Fold Debit CardNot disclosedFasset Card9.99 USDT activation / issuance fee
- Physical card
- Fold Debit Card$0 card purchase feeFasset CardNot disclosed
Plans
2 fields- Available plans
- Fold Debit Card2 plans: Fold, Fold+Fasset CardBase virtual live; Edge waitlist; Select, Elite and Reserve coming soon
- Top cashback plan
- Fold Debit CardFold+: 0.5%Fasset CardNot disclosed
Everyday use
8 fields- Network
- Fold Debit CardVisaFasset CardVisa
- Card formats
- Fold Debit CardVirtual, PhysicalFasset CardVirtual
- ATM withdrawals
- Fold Debit CardAvailableFasset CardNot available
- Mobile wallets
- Fold Debit CardApple Pay, Google PayFasset CardApple Pay, Google Pay
- Apps
- Fold Debit CardiOS, AndroidFasset CardiOS, Android
- Daily spending limit
- Fold Debit Card$15,000 per transaction and per dayFasset Card$2,000 per day
- Monthly spending limit
- Fold Debit Card$50,000 per monthFasset CardNot publicly disclosed
- ATM limit
- Fold Debit Card$250 per withdrawal; $1,000 daily and monthlyFasset CardNot applicable; ATM cash advances unavailable
Funding & transfers
5 fields- Networks
- Fold Debit CardNot disclosedFasset CardNot disclosed
- Crypto deposits
- Fold Debit CardNot disclosedFasset CardStablecoins: USDT
- Fiat deposits
- Fold Debit CardLinked-bank ACH, Direct deposit, Instant debit-card fundingFasset CardNot disclosed
- Transfers
- Fold Debit CardACH withdrawal, Instant debit-card withdrawal, ATM withdrawal, ACH bill payFasset CardCard balance back to Fasset Wallet
- Payout currencies
- Fold Debit CardUSD, USD cash equivalentFasset CardNot disclosed
Rewards
3 fields- Base cashback
- Fold Debit Card0%Fasset CardNot disclosed
- Max cashback
- Fold Debit Card15%Fasset CardNot disclosed
- Reward currency
- Fold Debit CardBitcoinFasset CardOWN points
Earn
5 fields- Advertised APY
- Fold Debit CardNot offeredFasset CardNot offered
- How it works
- Fold Debit CardNot offeredFasset CardNot offered
- Separate deposit
- Fold Debit CardNot offeredFasset CardNot offered
- Use balance for spending
- Fold Debit CardNot offeredFasset CardNot offered
- Lock-up
- Fold Debit CardNot offeredFasset CardNot offered
Trust & availability
6 fields- Custody
- Fold Debit CardCustodialFasset CardCustodial
- Control until payment
- Fold Debit CardProvider controls fundsFasset CardProvider controls funds
- Card issuer
- Fold Debit CardSutton BankFasset CardThird National
- Card processing
- Fold Debit CardMarqeta, Inc.Fasset CardNot disclosed
- Custody / key management
- Fold Debit CardBitGo Bank and Trust, N.A. / BitGo Prime LLCFasset CardNot disclosed
- Bank transfers
- Fold Debit CardPlaid Inc., Astra, Inc.Fasset CardNot disclosed
Sources
2 fields- Official sources
- Fold Debit Card29Fasset Card9
- Last reviewed
- Fold Debit CardAug 14, 2026Fasset CardAug 11, 2026
04 · The takeaway
Fold Debit Card is the stronger all-round choice
Fold Debit Card finishes ahead with an Overall Score of 72 versus 53 for Fasset Card. The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option. The providers have not published enough matching base cashback information to name a winner. Check the maximum rates, reward assets, caps and conditions below.
Fasset Card can still be the more comfortable choice if its availability, card setup or way of holding funds suits you better. Fold Debit Card and Fasset Card use the same custodial balance setup.
Fold Debit Card lists more stablecoins and ways to send money out (4 vs 2). Before applying, confirm availability in your country and recheck the provider's current fees and reward conditions.
If one card now looks like the better fit, you can check the latest application terms on the provider site or read our full Fold Debit Card and Fasset Card reviews first.
Continue with
Fold Debit Card
Continue with
Fasset Card
05 · Common questions
Fold Debit vs Fasset FAQ
Is Fold Debit or Fasset better overall?
Fold Debit Card has the higher Overall Score (72 vs 53). 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 Fasset?
The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option. 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 Fasset?
The providers have not published enough matching base cashback information to name a winner. Check the maximum rates, reward assets, caps and conditions below. 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 Fasset differ on custody?
Fold Debit Card and Fasset Card use the same custodial balance setup.
How current is this Fold Debit vs Fasset comparison?
The latest information check for these two cards was August 14, 2026, using 38 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.