FoldFold Debit
72
Side-by-side card comparison
Fold Debit vs 1inch: fees, rewards and account setup
1inch Card has the higher Overall Score by 7 points (79 vs 72). 1inch Card also looks stronger for Cashback, Travel, Funds control, Lowest fees, and Transfers. The details below show where Fold Debit Card may still be the better personal fit.
Information checked Aug 31, 202642 official sources reviewed
01 · Make the first cut
1inch Card is the better all-round starting point
1inch Card has the higher Overall Score in this comparison. Fold Debit 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 Debit721inch79Higher score
CashbackFold Debit401inch63Higher score
TravelFold Debit781inch82Higher score
Funds controlFold Debit591inch80Higher score
Lowest feesFold Debit711inch74Higher score
TransfersFold Debit771inch93Higher score
Choose Fold Debit Card if its day-to-day setup suits you
Fold Debit 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.
- Several USD funding routes
- Physical card and phone wallets
- Fold+ bitcoin rewards
Choose 1inch Card if cashback and travel matter most
1inch 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.
- Physical, virtual and ATM access
- Both major phone wallets
- Cashback in four crypto assets
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 Debit721inch79
1inch Card has the higher Overall Score by 7 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 FX1inch$0 plan · 0% provider FX markup; Mastercard rate applies 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%1inch1% base · up to 2%
1inch Card has the higher published base cashback rate (1% vs 0%).
- Funds control
- Fold DebitCustodial balance1inchHybrid custody
Fold Debit Card uses a custodial balance setup, while 1inch Card uses a hybrid custody setup. Neither approach is always better, so choose the level of control you are comfortable with.
- Everyday access
- Fold DebitVirtual + Physical · Apple Pay, Google Pay1inchVirtual + Physical · Apple Pay, Google Pay
Both cards list the same number of card formats and phone-wallet options.
- Money movement
- Fold Debit0 stablecoins · ACH withdrawal, Instant debit-card withdrawal, ATM withdrawal, ACH bill pay1inch1 stablecoin · Stablecoin transfers; EUR or GBP bank withdrawal
Fold Debit Card lists more stablecoins and ways to send money out (4 vs 3).
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
- 1%-2%
- Plan cost
- $0
- FX fee
- 0% provider FX markup; Mastercard rate applies
- ATM fee
- €2.50 UK; €3 + 1.5% outside UK
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 1 crypto · 1 fiat
- Payout methods
- 9 crypto · 2 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 CardOverall721inch CardOverall79
Fold Debit CardOverall721inch CardOverall79Scores
6 fields- Overall Score
- Fold Debit Card721inch Card79
- Cashback score
- Fold Debit Card401inch Card63
- Travel score
- Fold Debit Card781inch Card82
- Funds control score
- Fold Debit Card591inch Card80
- Lowest fees score
- Fold Debit Card711inch Card74
- Transfers score
- Fold Debit Card771inch Card93
Strengths & trade-offs
2 fields- Strengths
- Fold Debit CardSeveral USD funding routes, Physical card and phone wallets1inch CardPhysical, virtual and ATM access, Both major phone wallets
- Trade-offs
- Fold Debit CardU.S.-only applications, Free-plan ATM and foreign fees1inch CardPurchase fee stack is unclear, Card funds leave self-custody
Costs
7 fields- Plan cost
- Fold Debit Card$01inch Card$0
- FX fee
- Fold Debit Card$3 fixed provider fee per foreign transaction for Fold; $0 for Fold+; no percentage FX fee is inferred1inch Card0% provider FX markup; Mastercard rate applies
- Top-up fee
- Fold Debit CardInstant debit funding costs 1.5%, capped at $25; ACH and direct-deposit routes are separate1inch CardEUR/GBP provider-account bank deposit: 0%
- Card spending fee
- Fold Debit Card0%1inch Card2%
- ATM fee
- Fold Debit Card$3.50 Fold provider fee for the free plan; $0 for Fold+; operator fees may apply1inch Card€2.50 UK; €3 + 1.5% outside UK
- Virtual card
- Fold Debit CardNot disclosed1inch CardNot disclosed
- Physical card
- Fold Debit Card$0 card purchase fee1inch CardNot disclosed
Plans
2 fields- Available plans
- Fold Debit Card2 plans: Fold, Fold+1inch CardNot disclosed
- Top cashback plan
- Fold Debit CardFold+: 0.5%1inch CardNot disclosed
Everyday use
8 fields- Network
- Fold Debit CardVisa1inch CardMastercard
- Card formats
- Fold Debit CardVirtual, Physical1inch CardVirtual, Physical
- ATM withdrawals
- Fold Debit CardAvailable1inch CardAvailable
- Mobile wallets
- Fold Debit CardApple Pay, Google Pay1inch CardApple Pay, Google Pay
- Apps
- Fold Debit CardiOS, Android1inch CardiOS, Android
- Daily spending limit
- Fold Debit Card$15,000 per transaction and per day1inch CardAccount-specific in Profile
- Monthly spending limit
- Fold Debit Card$50,000 per month1inch CardAccount-specific in Profile
- ATM limit
- Fold Debit Card$250 per withdrawal; $1,000 daily and monthly1inch CardAccount-specific in Profile
Funding & transfers
5 fields- Networks
- Fold Debit CardNot disclosed1inch CardBitcoin, Litecoin, XRP Ledger, Ethereum, Solana
- Crypto deposits
- Fold Debit CardNot disclosed1inch CardOther crypto: BTC, LTC, XRP or supported Ethereum/Solana assets
- Fiat deposits
- Fold Debit CardLinked-bank ACH, Direct deposit, Instant debit-card funding1inch CardEUR or GBP bank deposit
- Transfers
- Fold Debit CardACH withdrawal, Instant debit-card withdrawal, ATM withdrawal, ACH bill pay1inch CardStablecoin transfers; EUR or GBP bank withdrawal
- Payout currencies
- Fold Debit CardUSD, USD cash equivalent1inch CardEUR, GBP
Rewards
3 fields- Base cashback
- Fold Debit Card0%1inch Card1%
- Max cashback
- Fold Debit Card15%1inch Card2%
- Reward currency
- Fold Debit CardBitcoin1inch Card1INCH, USDT, BTC or BXX
Earn
5 fields- Advertised APY
- Fold Debit CardNot offered1inch CardNot offered
- How it works
- Fold Debit CardNot offered1inch CardNot offered
- Separate deposit
- Fold Debit CardNot offered1inch CardNot offered
- Use balance for spending
- Fold Debit CardNot offered1inch CardNot offered
- Lock-up
- Fold Debit CardNot offered1inch CardNot offered
Trust & availability
6 fields- Custody
- Fold Debit CardCustodial1inch CardHybrid custody
- Control until payment
- Fold Debit CardProvider controls funds1inch CardProvider controls funds
- Card issuer
- Fold Debit CardSutton Bank1inch CardMonavate Ltd, UAB Monavate
- Card processing
- Fold Debit CardMarqeta, Inc.1inch CardCrypto Life
- Custody / key management
- Fold Debit CardBitGo Bank and Trust, N.A. / BitGo Prime LLC1inch CardBaanx
- Bank transfers
- Fold Debit CardPlaid Inc., Astra, Inc.1inch CardNot disclosed
Sources
2 fields- Official sources
- Fold Debit Card291inch Card13
- Last reviewed
- Fold Debit CardAug 14, 20261inch CardAug 31, 2026
04 · The takeaway
1inch Card is the stronger all-round choice
1inch Card finishes ahead with an Overall Score of 79 versus 72 for Fold Debit Card. The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option. 1inch Card has the higher published base cashback rate (1% vs 0%).
Fold Debit Card can still be the more comfortable choice if its availability, card setup or way of holding funds suits you better. Fold Debit Card uses a custodial balance setup, while 1inch Card uses a hybrid custody setup. Neither approach is always better, so choose the level of control you are comfortable with.
Fold Debit Card lists more stablecoins and ways to send money out (4 vs 3). 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 1inch Card reviews first.
Continue with
Fold Debit Card
Continue with
1inch Card
05 · Common questions
Fold Debit vs 1inch FAQ
Is Fold Debit or 1inch better overall?
1inch Card has the higher Overall Score (79 vs 72). 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 1inch?
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 1inch?
1inch Card has the higher published base cashback rate (1% 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 1inch differ on custody?
Fold Debit Card uses a custodial balance setup, while 1inch Card uses a hybrid custody setup. Neither approach is always better, so choose the level of control you are comfortable with.
How current is this Fold Debit vs 1inch comparison?
The latest information check for these two cards was August 31, 2026, using 42 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.