Fold Bitcoin Credit Card

Compare Fold Cards

Fold Bitcoin Credit CardCurrent

Fold Visa Prepaid Debit Card (Fold+ Member)

Fold Visa Prepaid Debit Card (Fold Member)

Rewards

Cashback

1.5%

0.5%

—

Cashback Crypto

BTC

BTC

BTC

Staking Rewards

✗

✗

✗

Staking APR

—

—

—

Welcome Bonus

—

—

—

Referral Bonus

—

—

—

Fees

Monthly Fee

Free

$10

Free

Card Issuance

Free

Free

Free

ATM Fee

Free

Free

Free

FX Fee

Free

Free

Free

Top-up Fee

Free

1.5%

1.5%

Decline Fee

Free

Free

Free

Limits

Daily Spend

Unlimited

$15,000

$15,000

Monthly Spend

Unlimited

Unlimited

Unlimited

ATM Withdrawal

Unlimited

$1,000

$1,000

Card Info

Card Type

Virtual Card, Physical Card

Virtual Card, Physical Card

Virtual Card, Physical Card

Card Network

Visa

Visa

Visa

Apple Pay

✓

✓

✓

Google Pay

✓

✓

✓

Fold Bitcoin Credit CardCurrent

Fold Visa Prepaid Debit Card (Fold+ Member)

Fold Visa Prepaid Debit Card (Fold Member)

Rewards

Cashback

Fold Bitcoin Credit Card1.5%

Fold Visa Prepaid Debit Card (Fold+ Member)0.5%

Fold Visa Prepaid Debit Card (Fold Member)—

Cashback Crypto

Fold Bitcoin Credit CardBTC

Fold Visa Prepaid Debit Card (Fold+ Member)BTC

Fold Visa Prepaid Debit Card (Fold Member)BTC

Staking Rewards

Fold Bitcoin Credit Card✗

Fold Visa Prepaid Debit Card (Fold+ Member)✗

Fold Visa Prepaid Debit Card (Fold Member)✗

Staking APR

Fold Bitcoin Credit Card—

Fold Visa Prepaid Debit Card (Fold+ Member)—

Fold Visa Prepaid Debit Card (Fold Member)—

Welcome Bonus

Fold Bitcoin Credit Card—

Fold Visa Prepaid Debit Card (Fold+ Member)—

Fold Visa Prepaid Debit Card (Fold Member)—

Referral Bonus

Fold Bitcoin Credit Card—

Fold Visa Prepaid Debit Card (Fold+ Member)—

Fold Visa Prepaid Debit Card (Fold Member)—

Fees

Monthly Fee

Fold Bitcoin Credit CardFree

Fold Visa Prepaid Debit Card (Fold+ Member)$10

Fold Visa Prepaid Debit Card (Fold Member)Free

Card Issuance

Fold Bitcoin Credit CardFree

Fold Visa Prepaid Debit Card (Fold+ Member)Free

Fold Visa Prepaid Debit Card (Fold Member)Free

ATM Fee

Fold Bitcoin Credit CardFree

Fold Visa Prepaid Debit Card (Fold+ Member)Free

Fold Visa Prepaid Debit Card (Fold Member)Free

FX Fee

Fold Bitcoin Credit CardFree

Fold Visa Prepaid Debit Card (Fold+ Member)Free

Fold Visa Prepaid Debit Card (Fold Member)Free

Top-up Fee

Fold Bitcoin Credit CardFree

Fold Visa Prepaid Debit Card (Fold+ Member)1.5%

Fold Visa Prepaid Debit Card (Fold Member)1.5%

Decline Fee

Fold Bitcoin Credit CardFree

Fold Visa Prepaid Debit Card (Fold+ Member)Free

Fold Visa Prepaid Debit Card (Fold Member)Free

Limits

Daily Spend

Fold Bitcoin Credit CardUnlimited

Fold Visa Prepaid Debit Card (Fold+ Member)$15,000

Fold Visa Prepaid Debit Card (Fold Member)$15,000

Monthly Spend

Fold Bitcoin Credit CardUnlimited

Fold Visa Prepaid Debit Card (Fold+ Member)Unlimited

Fold Visa Prepaid Debit Card (Fold Member)Unlimited

ATM Withdrawal

Fold Bitcoin Credit CardUnlimited

Fold Visa Prepaid Debit Card (Fold+ Member)$1,000

Fold Visa Prepaid Debit Card (Fold Member)$1,000

Card Info

Card Type

Fold Bitcoin Credit CardVirtual Card, Physical Card

Fold Visa Prepaid Debit Card (Fold+ Member)Virtual Card, Physical Card

Fold Visa Prepaid Debit Card (Fold Member)Virtual Card, Physical Card

Card Network

Fold Bitcoin Credit CardVisa

Fold Visa Prepaid Debit Card (Fold+ Member)Visa

Fold Visa Prepaid Debit Card (Fold Member)Visa

Apple Pay

Fold Bitcoin Credit Card✓

Fold Visa Prepaid Debit Card (Fold+ Member)✓

Fold Visa Prepaid Debit Card (Fold Member)✓

Google Pay

Fold Bitcoin Credit Card✓

Fold Visa Prepaid Debit Card (Fold+ Member)✓

Fold Visa Prepaid Debit Card (Fold Member)✓

KYC Requirements

Community Score

6.8/10

Sourced from

View 44 Sources

markets.businessinsider.com“Report on Fold eliminating $20M in debt and raising $25M in non-dilutive capital to fund credit card growth”markets.businessinsider.com“Announcement covering the launch of Fold's new Bitcoin rewards credit card”firstcard.app“Review criticizing the card's steep variable APR relative to its modest Bitcoin reward rate”reddit.com“Community discussion of Stripe and Visa powering the new Fold Bitcoin credit card”sec.gov“Fold's 10-K filing detailing corporate financials and balance sheet restructuring”apps.apple.com“App Store ratings and reviews for the Fold mobile app”reddit.com“Users discuss stacking cashback by routing mortgage and other bill payments through Fold”reddit.com“Thread asking whether paying bills through Fold is worthwhile for rewards”@JerryLeeDog“Described generating over 1.5 million free satoshis annually by routing cash-back credit card bill payments through Fold”reddit.com“User expresses renewed satisfaction after returning to the Fold Bitcoin rewards ecosystem”@BourbonBAC32“Praised buying discounted gift cards and the daily Spinwheel gamification for steady incremental Bitcoin gains”@Andy Moyle“Reported using Fold as a full replacement for a legacy bank account, citing direct deposit and automated bill routing”@Sheri“Praised customer support for quickly resolving and refunding a failed third-party gift card redemption”play.google.com“Multiple reviewers report being trapped in KYC verification loops, automated rejections, and app crashes during transactions”materials.proxyvote.com“Shareholder proxy statement outlining Fold's 2025 business direction and strategy”reddit.com“Critique of the credit card's unrealistic $6,000/month Bitcoin purchase requirement to unlock the top reward tier”reddit.com“Comparison discussion between Fold and Coinbase debit card rewards”reddit.com“General discussion of the Fold debit card alongside other crypto rewards cards”reddit.com“Detailed comparison of Fold against other crypto cards including Crypto.com and Blockcard”@starkiller3373“Reported Amazon account verification problems after redeeming Fold-issued gift cards”youtube.com“Review highlighting Fold's frictionless onboarding experience for cryptocurrency beginners”youtube.com“Interview-style video promoting Fold as a tool for maximizing Bitcoin exposure through everyday spending”forbes.com“Forbes Advisor review weighing the lack of foreign transaction fees against subscription costs”medium.com“Article describing how the Fold card integrates Bitcoin rewards into everyday wallet spending”youtube.com“Review debating whether the Bitcoin rewards debit card is worth adopting”music.youtube.com“Podcast episode discussing Bitcoin as money, referencing Fold's rewards model”music.youtube.com“Podcast episode on protecting Bitcoin holdings, referencing card custody considerations”podcasts.apple.com“Podcast episode discussing Bitcoin adoption, referencing Fold's saving-in-Bitcoin thesis”deezer.com“Podcast covering Bitcoin fundamentals and stacking strategies”cretoseal.com“Independent review weighing Fold's rewards structure against its fees and limitations”play.google.com“German-language Play Store listing and reviews for the Fold app”youtube.com“Review of the gamified Spin the Wheel Bitcoin rewards mechanic”apps.apple.com“Fold app listing on the Apple App Store”upgradedpoints.com“Points and miles publication analyzing whether the new Fold credit card is worth getting”finder.com“Comparison roundup of crypto credit cards including Fold”upgradedpoints.com“Early coverage previewing the announcement of Fold's Bitcoin rewards credit card”investingnews.com“Coverage of Fold's unified app experience combining Bitcoin rewards and everyday spending”trustpilot.com“Aggregated Trustpilot reviews covering both praise for stacking sats and complaints about withdrawal friction”cnbc.com“CNBC Select review evaluating the Fold app and debit card features”nerdwallet.com“NerdWallet coverage of the no-annual-fee Fold Bitcoin credit card and its reward structure”joinkudos.com“Independent blog review covering the essentials of the Fold Bitcoin rewards credit card”reddit.com“One-year retrospective review of using the Fold app, citing accumulated rewards”youtube.com“Review of the Fold Spin/Spin+ card tiers and their reward mechanics”youtube.com“One-year review concluding the Fold card was worth using for Bitcoin stacking”

Combining Gemini and Grok deep-research passes, the Fold Bitcoin Credit Card draws consistently polarized sentiment across Reddit, YouTube, the Google Play/App Store, and financial media. Bitcoin-native power users praise the ability to passively stack sats on everyday spending and bill payments (including the now-curtailed PayPal Bill Pay loophole), the redesigned app's polished neobanking feel, and generally responsive customer support for transactional issues like failed gift card redemptions. Recurring criticism centers on "the squeeze" — the steady decline of base reward rates to roughly 1-1.5%, a top 4% reward tier that unrealistically requires $6,000+ in monthly Bitcoin purchases, a steep 20.49%-29.49% variable APR on carried balances, hidden spreads on "zero-fee" Bitcoin purchases, and friction-heavy KYC/underwriting tied to Celtic Bank's credit approval process. Corporate and market coverage of Fold's Nasdaq listing and debt restructuring is more favorable than consumer-facing reviews of the actual card economics.

Category Breakdown

Features

Supported Cryptocurrencies

BTC