Fold Bitcoin Credit Card

Comparer les Cartes Fold

Fold Bitcoin Credit CardActuelle

Fold Visa Prepaid Debit Card (Fold+ Member)

Fold Visa Prepaid Debit Card (Fold Member)

Récompenses

Cashback

1.5%

0.5%

—

Crypto Cashback

BTC

BTC

BTC

Récompenses de Staking

✗

✗

✗

APR de Staking

—

—

—

Bonus de Bienvenue

—

—

—

Bonus de Parrainage

—

—

—

Frais

Frais Mensuels

Gratuit

$10

Gratuit

Émission de Carte

Gratuit

Gratuit

Gratuit

Frais ATM

Gratuit

Gratuit

Gratuit

Frais FX

Gratuit

Gratuit

Gratuit

Frais de Recharge

Gratuit

1.5%

1.5%

Frais de Refus

Gratuit

Gratuit

Gratuit

Limites

Dépense Quotidienne

Illimité

$15,000

$15,000

Dépense Mensuelle

Illimité

Illimité

Illimité

Retrait ATM

Illimité

$1,000

$1,000

Info Carte

Type de Carte

Carte Virtuelle, Carte Physique

Carte Virtuelle, Carte Physique

Carte Virtuelle, Carte Physique

Réseau de Carte

Visa

Visa

Visa

Apple Pay

✓

✓

✓

Google Pay

✓

✓

✓

Fold Bitcoin Credit CardActuelle

Fold Visa Prepaid Debit Card (Fold+ Member)

Fold Visa Prepaid Debit Card (Fold Member)

Récompenses

Cashback

Fold Bitcoin Credit Card1.5%

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

Fold Visa Prepaid Debit Card (Fold Member)—

Crypto Cashback

Fold Bitcoin Credit CardBTC

Fold Visa Prepaid Debit Card (Fold+ Member)BTC

Fold Visa Prepaid Debit Card (Fold Member)BTC

Récompenses de Staking

Fold Bitcoin Credit Card✗

Fold Visa Prepaid Debit Card (Fold+ Member)✗

Fold Visa Prepaid Debit Card (Fold Member)✗

APR de Staking

Fold Bitcoin Credit Card—

Fold Visa Prepaid Debit Card (Fold+ Member)—

Fold Visa Prepaid Debit Card (Fold Member)—

Bonus de Bienvenue

Fold Bitcoin Credit Card—

Fold Visa Prepaid Debit Card (Fold+ Member)—

Fold Visa Prepaid Debit Card (Fold Member)—

Bonus de Parrainage

Fold Bitcoin Credit Card—

Fold Visa Prepaid Debit Card (Fold+ Member)—

Fold Visa Prepaid Debit Card (Fold Member)—

Frais

Frais Mensuels

Fold Bitcoin Credit CardGratuit

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

Fold Visa Prepaid Debit Card (Fold Member)Gratuit

Émission de Carte

Fold Bitcoin Credit CardGratuit

Fold Visa Prepaid Debit Card (Fold+ Member)Gratuit

Fold Visa Prepaid Debit Card (Fold Member)Gratuit

Frais ATM

Fold Bitcoin Credit CardGratuit

Fold Visa Prepaid Debit Card (Fold+ Member)Gratuit

Fold Visa Prepaid Debit Card (Fold Member)Gratuit

Frais FX

Fold Bitcoin Credit CardGratuit

Fold Visa Prepaid Debit Card (Fold+ Member)Gratuit

Fold Visa Prepaid Debit Card (Fold Member)Gratuit

Frais de Recharge

Fold Bitcoin Credit CardGratuit

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

Fold Visa Prepaid Debit Card (Fold Member)1.5%

Frais de Refus

Fold Bitcoin Credit CardGratuit

Fold Visa Prepaid Debit Card (Fold+ Member)Gratuit

Fold Visa Prepaid Debit Card (Fold Member)Gratuit

Limites

Dépense Quotidienne

Fold Bitcoin Credit CardIllimité

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

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

Dépense Mensuelle

Fold Bitcoin Credit CardIllimité

Fold Visa Prepaid Debit Card (Fold+ Member)Illimité

Fold Visa Prepaid Debit Card (Fold Member)Illimité

Retrait ATM

Fold Bitcoin Credit CardIllimité

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

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

Info Carte

Type de Carte

Fold Bitcoin Credit CardCarte Virtuelle, Carte Physique

Fold Visa Prepaid Debit Card (Fold+ Member)Carte Virtuelle, Carte Physique

Fold Visa Prepaid Debit Card (Fold Member)Carte Virtuelle, Carte Physique

Réseau de Carte

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)✓

Exigences KYC

Score de la Communauté

6.8/10

Sources

Voir 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.

Répartition par Catégorie

Fonctionnalités

Cryptomonnaies Supportées

BTC