Fold Card vs Shakepay Card: which wins?

Cashback, annual fee, FX and ATM charges, custody and country availability — both cards on the same fields, taken from each issuer's published terms; each card page shows when its data was last verified.

PREPAIDSutton Bank logo
CASHBACK
1.5%
ANNUAL FEE
Free…
FOLD CARD
SUTTON BANK
VISA

Fold Card

Sutton Bank
  • No staking
  • Apple Pay
  • Google Pay
PREPAID
Peoples Trust Company logo
CASHBACK
1.5%
ANNUAL FEE
Free
SHAKEPAY CARD
PEOPLES TRUST COMPANY
VISA

Shakepay Card

Peoples Trust Company
  • No fees
  • No staking
  • Apple Pay
  • Google Pay
OUR SCORE

How we rate them

Our own assessment, not a user rating — four criteria at 25% each, scored against each issuer's published terms. See the scoring model.

Editorial scores for the Fold Card and the Shakepay Card
CriterionFold CardShakepay Card
Overall3.9 / 53.8 / 5
Cost 25%3.0The card itself is free, but foreign purchases cost 3%, out-of-network and international ATM withdrawals $3.50, and an unused card $5 a month after a year.3.5No annual or card fee and no Shakepay ATM charge, but foreign spending costs 3% at the entry status, falling to 1.5% and then 0% as your activity rises.
Conditions 25%5.0Rewards start on the free membership with no stake, balance or subscription required.4.5The rate is set by monthly activity rather than a stake — $100 exchanged or $200 in direct deposits moves you up — and the top rate is only 1.5%.
Rewards 25%3.0Bitcoin back on every purchase at around 1–1.5%, with spin bonuses on top. Paid in BTC rather than an issuer token, so the reward holds its own value.3.01% in bitcoin at the everyday status, 1.5% at the top one, credited automatically to your bitcoin balance.
Reliability 25%4.5Issued by Sutton Bank with a full published fee schedule and cardholder agreement, and running since 2019 — among the best-documented cards here.4.0Issued by Peoples Trust, Canada-only, with statuses, fees and limits all documented in its own help centre.
QUICK VERDICT

Who wins on what

  • CHEAPER TO HOLD
    Shakepay Card
    no annual fee vs Free; optional Fold+ membership from $100/year

Only stated where the published data supports it. A card with a tiered or conditional fee is not counted as free.

THE SHORT VERSION

How they actually differ

  • Rewards arrive in different assets: Bitcoin (sats) on the Fold Card, Bitcoin (BTC) on the Shakepay Card.
EVERY FIELD

Fold Card vs Shakepay Card, side by side

Full field-by-field comparison of the Fold Card and the Shakepay Card
FieldFold CardShakepay Card
Card typePrepaidPrepaid
NetworkVisaVisa
Max cashbackUp to 1.5%Up to 1.5%
Rewards paid inBitcoin (sats)Bitcoin (BTC)
Annual feeFree
optional Fold+ membership from $100/year
Free
Monthly feeNoneNone
FX fee3% foreign transaction fee (waived on Fold+)3% on Base, 1.5% on Bright, 0% on Blue
ATM feeFree in-network; $3.50 out-of-network and international (waived on Fold+)Free
Crypto conversion1%
(waived with Fold+)
Free
Where it worksUnited StatesCanada
Self-custodyNoNo
No staking neededYesYes
Apple PayYesYes
Google PayYesYes
Virtual card——

A dash means the issuer has not published that figure — it does not mean zero. See our methodology for how each field is verified. Rewards and availability change often and vary by region. Not financial advice.

GO DEEPER

Read the full review of each

Fold Card review →Shakepay Card review →Compare three cards instead

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