Fold Debit Card vs Lava Card
Side by side at your spend: what each card keeps after fees and FX, where you can get it and what it includes.
a month in
Lava Card keeps $58.33 more a month than Fold Debit Card at this spend.
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| Detail | Fold Debit Card | Lava Card |
|---|---|---|
| Plan at this spend | Fold+ ($100/yr) | Cashback |
| Paid in | BTC | BTC |
| FX on your spend | 0% | 0% |
| Yearly fee | $100 | None |
| Network | Visa | Visa |
| Card type | Prepaid | Credit |
| Custody | Custodial | Custodial |
| Available in | US | US, UK, EU, Canada, Australia, Asia-Pacific, Elsewhere |
| Perks | Discounts & offers | Travel insurance, Purchase protection, Discounts & offers, Earn yield, Borrow vs crypto |
General information only. These figures are calculated from the spend you enter and the card terms we've collected. We haven't considered your objectives, financial situation or needs, and this isn't a recommendation. Consider whether a card suits you and read the provider's terms before applying. Figures are estimates; terms change; crypto is volatile.
Fold Debit Card
- No card, monthly or per-purchase fee on the free Fold Card
- Fold+ pays 0.5% back in bitcoin on purchases that don't get a boost, plus rotating category boosts up to 1.5% and merchant boosts
- Fold+ removes the $3.50 ATM fee and the $3.00 foreign transaction fee
- The free card earns no bitcoin on card purchases; only the daily prize wheel and gift card rewards
- Fold+ costs $100 a year (or $10 a month), so its 0.5% base rate only covers the fee above about $1,667 of monthly spend
Lava Card
- Genuinely 0% FX: the official fee tables list both the foreign-exchange and cross-border fees as 0%
- Cashback paid in real Bitcoin: 3% (US) base, 5% at AI-tool partners, 10% at Vibecode/Chorus
- No annual fee and no minimum spend
- "Self-custody" branding is disputed. Lava moved BTC collateral to a custodial cold-storage vault (Sept 2025); the USD card balance is custodial too
- International cashback is only 1%; the headline 3% is US-only
More: other comparisons, every card at your spend, or the cashback list.