4 cards side by side

Fold Bitcoin Credit Card vs Indigo Platinum Mastercard vs Perpay Credit Card vs The Earnest Card

At a glance

Purchase interest (APR): not confirmed for Indigo Platinum Mastercard, Perpay Credit Card and The Earnest Card, so we don't say which is lower.
Foreign transaction fee: not confirmed for Indigo Platinum Mastercard, Perpay Credit Card and The Earnest Card, so we don't say which is lower.

Fold Bitcoin Credit Card compared with Indigo Platinum Mastercard compared with Perpay Credit Card compared with The Earnest Card
5 of 8 rows have data	Fold Bitcoin Credit CardCeltic Bank5 of 8 facts on file · annual fee not yet checked	Indigo Platinum MastercardCeltic Bank2 of 8 facts on file · annual fee not yet checked	Perpay Credit CardCeltic Bank2 of 8 facts on file · annual fee not yet checked	The Earnest CardCeltic Bank2 of 8 facts on file · annual fee not yet checked
Purchase interest (APR)Charged on balances you carry. Your rate may depend on approval. Lower is marked only when a published issuer or regulator document confirms every card's rate.Not confirmed for Indigo Platinum Mastercard, Perpay Credit Card and The Earnest Card, so no card is marked lower.	20.49%–29.49%	Not confirmed	Not confirmed	Not confirmed
Foreign transaction feeAdded to purchases in another currency. Lower is marked only when a published issuer or regulator document confirms every card's fee.Not confirmed for Indigo Platinum Mastercard, Perpay Credit Card and The Earnest Card, so no card is marked lower.	0%	Not confirmed	Not confirmed	Not confirmed
Rewards programWhere the points or cash back go.	Fold Bitcoin Rewards	Not confirmed	Not confirmed	Not confirmed
NetworkWhere the card is accepted.	Visa	Mastercard	Mastercard	Mastercard
Listed underThe sections of this site the card appears in.	Cash Back, Rewards	Credit Building, Premium, Secured	Cash Back, Secured	Cash Back, Student
Apply	Apply	Apply	Apply	Apply

Fold Bitcoin Credit CardCeltic Bank5 of 8 facts on file · annual fee not yet checked
Indigo Platinum MastercardCeltic Bank2 of 8 facts on file · annual fee not yet checked
Perpay Credit CardCeltic Bank2 of 8 facts on file · annual fee not yet checked
The Earnest CardCeltic Bank2 of 8 facts on file · annual fee not yet checked

Purchase interest (APR)Charged on balances you carry. Your rate may depend on approval. Lower is marked only when a published issuer or regulator document confirms every card's rate.Not confirmed for Indigo Platinum Mastercard, Perpay Credit Card and The Earnest Card, so no card is marked lower.

Fold Bitcoin Credit Card: 20.49%–29.49%
Indigo Platinum Mastercard: Not confirmed
Perpay Credit Card: Not confirmed
The Earnest Card: Not confirmed

Foreign transaction feeAdded to purchases in another currency. Lower is marked only when a published issuer or regulator document confirms every card's fee.Not confirmed for Indigo Platinum Mastercard, Perpay Credit Card and The Earnest Card, so no card is marked lower.

Fold Bitcoin Credit Card: 0%
Indigo Platinum Mastercard: Not confirmed
Perpay Credit Card: Not confirmed
The Earnest Card: Not confirmed

Rewards programWhere the points or cash back go.

Fold Bitcoin Credit Card: Fold Bitcoin Rewards
Indigo Platinum Mastercard: Not confirmed
Perpay Credit Card: Not confirmed
The Earnest Card: Not confirmed

NetworkWhere the card is accepted.

Fold Bitcoin Credit Card: Visa
Indigo Platinum Mastercard: Mastercard
Perpay Credit Card: Mastercard
The Earnest Card: Mastercard

Listed underThe sections of this site the card appears in.

Fold Bitcoin Credit Card: Cash Back, Rewards
Indigo Platinum Mastercard: Credit Building, Premium, Secured
Perpay Credit Card: Cash Back, Secured
The Earnest Card: Cash Back, Student

Apply

Not confirmed for any of these cards: Annual fee, Top earn rates, Welcome offer. We leave these out rather than show a row of blanks — check the issuer’s own terms for them.

Lower lowest figure, marked only when every card’s figure is confirmed by the issuer’s or a regulator’s published document Not confirmed: we hold no checked figure — a blank is not a claim of zero On file, but not yet checked with the issuer — confirm it on their own page

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Your cards · 4 of 4

Fold Bitcoin Credit Card
Indigo Platinum Mastercard
Perpay Credit Card
The Earnest Card

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The bottom line

Which one?

Cost is only half of it. Match each card’s earn rates and welcome offer to where your money actually goes, confirm anything marked “not confirmed” with the issuer, then open the full review for the card that fits.

Fold Bitcoin Credit Card review Indigo Platinum Mastercard review Perpay Credit Card review The Earnest Card review

Questions

Frequently asked

Can I hold Fold Bitcoin Credit Card, Indigo Platinum Mastercard, Perpay Credit Card and The Earnest Card at the same time?

In most cases, yes. Holding cards from different issuers is common and can help you cover more spending categories. Check each issuer's own policies for any restrictions.

Are these cards available in United States?

Every card in this comparison is issued for United States. Approval depends on each issuer's credit and income criteria.