Fold Bitcoin Credit Card vs Rain Card
On cashback Fold Bitcoin Credit Card wins (up to 1.5%). In short: Fold Bitcoin Credit Card if your usage matches its strength, Rain Card otherwise — the numbers above beat any slogan.
| Fold Bitcoin Credit Card | Rain Card | |
|---|---|---|
| Tier | A | B |
| Rating | ★ 4.0 | ★ 3.8 |
| Estimated net annual cost | €0 | €0 |
| Account fee | Free | Free |
| IBAN | condiviso | condiviso |
| Multi-currency | No (single currency) | No (single currency) |
| Outbound transfers to third-party IBANs | No | No |
| Utility direct billing | No | No |
| SEPA direct debit (SDD) | No | No |
| On-chain crypto withdrawal | Yes | — |
| Interest on balance | 0% | — |
| ATM withdrawal | not declared | not declared |
| Fund custody | Custodial (platform holds funds) | Custodial (platform holds funds) |
| KYC | Full | Full |
| Supported countries | US · 1+ countries | US, EEA · 30+ countries |
| Regulator | none | multiple state regulators (Money Transmitter) |
| OAM Italy registration | No | No |
| Segment | B2C | B2C |
| Regions | US | US, EU/EEA |
| Licences & safety | none | VASP/CASP |
Frequently asked questions
Fold Bitcoin Credit Card vs Rain Card: which is better?
On cashback Fold Bitcoin Credit Card wins (up to 1.5%). In short: Fold Bitcoin Credit Card if your usage matches its strength, Rain Card otherwise — the numbers above beat any slogan.
Which is cheaper, Fold Bitcoin Credit Card or Rain Card?
On the standard spending profile Fold Bitcoin Credit Card has the lowest net annual cost: €0 versus €0 for Rain Card.
Which offers more cashback, Fold Bitcoin Credit Card or Rain Card?
Fold Bitcoin Credit Card has the highest cashback: up to 1.5%. Note the top rate often requires token staking and is subject to spending caps.
Is Fold Bitcoin Credit Card custodial or self-custody?
Fold Bitcoin Credit Card is custodial: funds are held by the platform, while Rain Card is custodial.