Rebind SASRebind
69
Side-by-side card comparison
Rebind vs Fold Debit
Fold Debit Card has the higher Overall Score by 4 points (73 vs 69). Rebind Card looks stronger for Funds control, while Fold Debit Card comes out ahead for Cashback, Travel, Lowest fees, and Transfers.
Latest check Oct 14, 202664 official sources reviewed
Rebind Card
Best fit
- EU users who want EURe spending through a separate card Safe.
- Foreign purchases at Visa rates without an added Gnosis FX markup.
- Paying with Apple Pay or Google Pay without a virtual-card issuance fee.
Before you choose
- Move EURe to the card wallet before spending; savings are separate.
- Cashback enrollment and rates are unconfirmed; do not count on rewards.
- Native issuance is virtual-only; ATM access for new cards is unconfirmed.
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.
Fees & features
Compare the details
Best markers compare published, comparable values. Unknown values never win a row.
Best known Not disclosed
CardsRebind CardOverall69Fold Debit CardOverall73
Rebind CardOverall69Fold Debit CardOverall73Scores
- Overall Score
- Rebind Card69Fold Debit Card73
- Cashback score
- Rebind Card32Fold Debit Card45
- Travel score
- Rebind Card53Fold Debit Card78
- Funds control score
- Rebind Card88Fold Debit Card59
- Lowest fees score
- Rebind Card67Fold Debit Card72
- Transfers score
- Rebind Card41Fold Debit Card78
Costs
- Plan cost
- Rebind CardNot disclosedFold Debit Card$0
- FX fee
- Rebind CardNo added Gnosis FX fee; Visa rate appliesFold Debit Card$3 fixed foreign-purchase fee; waived at $5,000 Reserve or under legacy Fold+; Visa conversion separate
- Top-up fee
- Rebind Card0%Fold Debit CardInstant debit funding costs 1.5%, capped at $25; ACH and direct-deposit routes are separate
- Card spending fee
- Rebind Card0%Fold Debit Card0%
- ATM fee
- Rebind CardNot disclosedFold Debit Card$3.50 Fold fee; waived at $5,000 Reserve or under legacy Fold+; operator fees separate
- Virtual card
- Rebind CardFreeFold Debit CardNot disclosed
- Physical card
- Rebind CardNot offered through native Rebind issuance yetFold Debit Card$0 card purchase fee
Plans
- Available plans
- Rebind CardNot disclosedFold Debit Card9 plans: Fold (legacy), Fold+ (legacy), Reserve base, Reserve $5,000 +5
- Top cashback plan
- Rebind CardNot disclosedFold Debit CardReserve $100,000: 3%
Everyday use
- Network
- Rebind CardVisaFold Debit CardVisa
- Card formats
- Rebind CardVirtualFold Debit CardVirtual, Physical
- ATM withdrawals
- Rebind CardNot disclosedFold Debit CardAvailable
- Mobile wallets
- Rebind CardApple Pay, Google PayFold Debit CardApple Pay, Google Pay
- Apps
- Rebind CardiOS, AndroidFold Debit CardiOS, Android
- Daily spending limit
- Rebind Card8,000 EURe over rolling 24 hours; 5,000 EURe per purchaseFold Debit Card$15,000 per transaction and per day
- Monthly spending limit
- Rebind CardMonthly spending limit unclearFold Debit Card$50,000 per month
- ATM limit
- Rebind Card250 EURe per withdrawal and 500 EURe daily under the Gnosis programme; virtual access unclearFold Debit Card$250 per withdrawal; $1,000 daily and monthly
Funding & transfers
- Networks
- Rebind CardGnosisFold Debit CardNot disclosed
- Crypto deposits
- Rebind CardStablecoins: EUReFold Debit CardNot disclosed
- Fiat deposits
- Rebind CardNot disclosedFold Debit CardLinked-bank ACH, Direct deposit, Instant debit-card funding
- Transfers
- Rebind CardNot disclosedFold Debit CardACH withdrawal, Instant debit-card withdrawal, ATM withdrawal, ACH bill pay
- Payout currencies
- Rebind CardNot disclosedFold Debit CardUSD, USD cash equivalent
Rewards
- Base cashback
- Rebind CardNot disclosedFold Debit Card0%
- Max cashback
- Rebind CardNot disclosedFold Debit Card15%
- Reward currency
- Rebind CardNot disclosedFold Debit CardBitcoin
Earn
- Advertised APY
- Rebind CardUp to 8% APYFold Debit CardNot offered
- How it works
- Rebind CardOptional earn vaultFold Debit CardNot offered
- Separate deposit
- Rebind CardYesFold Debit CardNot offered
- Use balance for spending
- Rebind CardNoFold Debit CardNot offered
- Lock-up
- Rebind CardNoFold Debit CardNot offered
Trust & availability
- Custody
- Rebind CardNon-custodialFold Debit CardCustodial
- Control until payment
- Rebind CardYou keep controlFold Debit CardProvider controls funds
- Card issuer
- Rebind CardUAB MonavateFold Debit CardSutton Bank
- Card processing
- Rebind CardGnosis PayFold Debit CardMarqeta, Inc.
- Custody / key management
- Rebind CardNot disclosedFold Debit CardBitGo Bank and Trust, N.A. / BitGo Prime LLC
- Deposits & withdrawals
- Rebind CardMoneriumFold Debit CardNot disclosed
- Bank transfers
- Rebind CardNot disclosedFold Debit CardPlaid Inc., Astra, Inc.
Sources
- Official sources
- Rebind Card35Fold Debit Card29
- Last reviewed
- Rebind CardSep 5, 2026Fold Debit CardOct 14, 2026
Choosing between these cards
When to choose Rebind or Fold Debit
Keeping control of your funds
Rebind suits spending while retaining control of your funds until payment. With Fold Debit, control passes to the provider before the purchase.
Paying with a physical card
Fold Debit offers a physical card, while Rebind does not. For purchases that require the card itself rather than a phone wallet, consider Fold Debit and check its order and delivery terms.
Common questions
Rebind vs Fold Debit FAQ
Is Rebind or Fold Debit better overall?
Fold Debit Card has the higher Overall Score (73 vs 69). 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, Rebind or Fold Debit?
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, Rebind or Fold Debit?
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 Rebind and Fold Debit differ on custody?
Rebind Card uses a non-custodial account setup, while Fold Debit Card uses a custodial balance setup. Neither approach is always better, so choose the level of control you are comfortable with.
How current is this Rebind vs Fold Debit comparison?
The latest information check for these two cards was October 14, 2026, using 64 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.