StraitsX vs Fold Bitcoin Credit Card
On cashback Fold Bitcoin Credit Card wins (up to 1.5%). In short: StraitsX if your usage matches its strength, Fold Bitcoin Credit Card otherwise — the numbers above beat any slogan.
| StraitsX | Fold Bitcoin Credit Card | |
|---|---|---|
| Tier | A | A |
| Rating | ★ 4.1 | ★ 4.0 |
| Estimated net annual cost | — | €0 |
| Account fee | Not disclosed | Free |
| ATM withdrawal | Free | Free |
| Fund custody | Custodial (platform holds funds) | Custodial (platform holds funds) |
| KYC | Full | Full |
| Supported countries | APAC | US · 1+ countries |
| Regulator | Monetary Authority of Singapore (MAS) | none |
| OAM Italy registration | No | No |
| Segment | B2B, B2C | B2C |
| IBAN | — | condiviso |
| Multi-currency | — | No (single currency) |
| Outbound transfers to third-party IBANs | — | No |
| Utility direct billing | — | No |
| SEPA direct debit (SDD) | — | No |
| On-chain crypto withdrawal | — | Yes |
| Interest on balance | — | 0% |
| Regions | APAC | US |
| Licences & safety | MAS Major Payment Institution (Licence PS20200475) | none |
Frequently asked questions
StraitsX vs Fold Bitcoin Credit Card: which is better?
On cashback Fold Bitcoin Credit Card wins (up to 1.5%). In short: StraitsX if your usage matches its strength, Fold Bitcoin Credit Card otherwise — the numbers above beat any slogan.
Which is cheaper, StraitsX or Fold Bitcoin Credit Card?
On the standard spending profile Fold Bitcoin Credit Card has the lowest net annual cost: €0 versus — for StraitsX.
Which offers more cashback, StraitsX or Fold Bitcoin Credit 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 StraitsX custodial or self-custody?
StraitsX is custodial: funds are held by the platform, while Fold Bitcoin Credit Card is custodial.