Defimap

Card comparison

Fold Debit Card vs Shakepay Card

Fold Debit Card and Shakepay Card represent two different directions in the crypto card market. Fold Debit Card is positioned around custodial spending with Visa rails, while Shakepay Card uses a custodial model with Visa support. This comparison focuses on practical selection criteria instead of brand noise: KYC requirements, cashback, FX fees, supported regions, card type, mobile pay and whether the product is built for individual spending, business use or broader on-chain finance workflows. The right choice depends on where you live, how you fund the card and how much control you want over custody. Users who prioritize regional availability may care more about country support than headline rewards. Users who prioritize wallet architecture should compare custody and blockchain support before looking at perks. Use this page as a structured first pass, then verify live fees and eligibility with each provider before applying. Check reward terms separately.

Decision guide

Decision summary

This is a North America region-fit comparison rather than a global card comparison. Fold is tracked around US debit-card usage and Bitcoin rewards, while Shakepay is tracked around Canadian cash-account spending.

Choose Fold Debit Card if

Choose Fold Debit Card if you are a US user looking for a Visa debit-style product with Bitcoin rewards and USD or ACH funding.

Choose Shakepay Card if

Choose Shakepay Card if you are in Canada and want a CAD cash-account card with virtual or physical delivery and simple bank-transfer funding.

Verify before applying

Confirm residency eligibility, reward mechanics, card delivery, cash account limits, FX or ATM costs and whether the product is open to new users.

Quick questions

Is Fold Debit Card or Shakepay Card better for North American users?

Fold is tracked for US users, while Shakepay is tracked for Canada. Geography should be the first filter before rewards or delivery.

Do these cards work as global crypto cards?

No. Treat them as region-specific products and verify local availability, fees, funding and card delivery before applying.

Side-by-Side Summary

Feature Comparison

Crypto card comparison table
FeatureFold Debit CardShakepay Card
CashbackFold Debit CardFold+ lists 0.5% on other eligible purchases, 1.5% rotating categories and up to 15% merchant boostsShakepay CardUp to 1.5% in bitcoin
KYCFold Debit CardRequiredShakepay CardRequired
Supported regionsFold Debit CardUSShakepay CardCA
FX feeFold Debit Card$3 per foreign transaction on Fold; $0 on Fold+Shakepay CardBase 3%; Bright 1.5%; Blue 0%
CurrencyFold Debit CardUSDShakepay CardCAD
Card tiersFold Debit CardStandard account and Fold+ membershipShakepay CardBase/Bright, Blue
DeliveryFold Debit CardVirtual and physicalShakepay CardVirtual and physical
Monthly feeFold Debit CardFold $0; Fold+ $10 monthly or $100 annuallyShakepay CardNo annual fee
Top-up methodsFold Debit CardUSD cash balanceACHShakepay CardCAD cash accountBank transfer
Supported networksFold Debit CardBitcoinShakepay CardBitcoin
Withdrawal optionsFold Debit CardATM withdrawals from the prepaid USD balanceShakepay CardVirtual card has no ATM access; physical-card availability is rolling out by account
ATM withdrawal feeFold Debit Card$3.50 on Fold; $0 on Fold+; ATM operator fees may still applyShakepay CardNot available

Related Defimap guides

Fold Debit Card

A US prepaid debit card for stacking bitcoin rewards.

Shakepay Card

A Canadian prepaid Visa card with bitcoin cashback.

Fold Debit Card Review 2026: Fold+ Rewards and Fees

Read the long-form Defimap review connected to this guide.

Shakepay Card Review 2026: Physical Card, Cashback and FX

Read the long-form Defimap review connected to this guide.

Crypto Cards in the United States

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Crypto Cards in Canada

Compare tracked crypto cards for Canada.