Fold Card
5.3/10Overall Score
Card Mode
Third-party custody
Card Type
CreditDebit
Mobile Payments
Google PaySupportedApple PaySupported
About the Project
Fees & Rules
01Spending & Conversion
- Base Transaction Fee
- 0%
- Top-ups Fee
- 1.5%
02Rewards
- Cashback
- 3%
Fee Sources · Verify Directly
foldapp.com/legal/cardholder-agreementTeam & Investors
Team 2
Will ReevesCEO & Cofounder
Corbin PonCo-Founder
Recent News
UPBIT has listed The Interfold (FOLD) and supports trading in KRW, BTC, and USDTFold Brings Bitcoin to TikTok ShopFold announced its 2025 financial results: a net loss of $69.6 million for the year, while revenue increased by 34% year-over-year to $31.8 million.Fold launches a unified application experience, integrating Bitcoin rewards and daily spending into one financial platformBitcoin financial services company Fold has been included in the Russell 2000 IndexFold will launch a new Bitcoin rewards credit card, supported by Stripe and Visa
Card Guide
Overview
Fold is a Nasdaq-listed bitcoin rewards platform (Fold Holdings) with two cards: the Fold Bitcoin Credit Card, a Visa issued by Utah industrial bank Celtic Bank and powered by Stripe, and the Fold Prepaid Debit Card, a Visa prepaid product issued by Sutton Bank. Both pay rewards in bitcoin, at a rate set by the USD balance a user holds in Fold Reserve. The credit card runs a waitlist and requires a credit check.
| Item | Details |
|---|---|
| Card forms: | virtual and physical, with Apple Pay and Google Pay. |
| Tiers: | two product lines, credit and prepaid debit, each with six Reserve balance tiers. |
| Funding: | the debit card is loaded in USD at no fee; the credit card is repaid monthly. |
| Use cases: | US Visa acceptance, ACH bill pay and boosted gift-card purchases. |
Benefits
| Item | Details |
|---|---|
| Credit card rewards: | 1.5% base with no cap and no annual fee; a Reserve balance lifts this to 1.75% at USD 15,000, 2% at 25,000, 3% at 50,000, 4% at 75,000 and 5% at 100,000. |
| Boost scope: | the amount above the base rate applies only to the first USD 5,000 of monthly purchases, counted separately for the credit card, the debit card and bill pay. |
| Debit card rewards: | 0.25% base, rising to 0.5% at USD 15,000, 1% at 25,000, 1.5% at 50,000, 2% at 75,000 and 3% at 100,000. |
| Bill pay rewards: | 0.25% from a USD 5,000 Reserve balance up to 3%, likewise on the first USD 5,000 each month. |
| Reward asset: | paid in bitcoin, locked for 30 days, in a rewards account capped at USD 10,000. |
| No trading fees: | Fold charges nothing to buy or sell bitcoin and covers on-chain withdrawal network fees. |
Fees
| Item | Details |
|---|---|
| Issuance: | free. Annual and monthly fees: zero. |
| Spend fee: | none, and no foreign transaction fee. |
| ATM on the debit card: | USD 3.50 each, waived for Reserve members, with operator surcharges possible. |
| Bitcoin trades: | Fold adds no spread of its own, only the execution partner's market spread; buying and selling is fee-free for Reserve members. |
| Credit card interest: | 20.49% to 29.49% APR, late and returned payment fees up to USD 30, and replacement at USD 35 after the first free card each year. |
Availability
| Item | Details |
|---|---|
| Supported: | the United States only, for citizens or lawful permanent residents aged 18 and over. |
| Onboarding: | the credit card needs a credit check and a waitlist place; the debit card is prepaid and requires no credit check. |
| Reward settlement: | credited in bitcoin and unlocked after 30 days. |
| Routing: | in-store purchases must run as credit, since transactions routed over PIN debit networks earn nothing. |
