Fold Bitcoin Credit Card

Comparar Cartões Fold

Fold Bitcoin Credit CardAtual

Fold Visa Prepaid Debit Card (Fold+ Member)

Fold Visa Prepaid Debit Card (Fold Member)

Recompensas

Cashback

1.5%

0.5%

—

Cashback Cripto

BTC

BTC

BTC

Recompensas de Staking

✗

✗

✗

APR de Staking

—

—

—

Bônus de Boas-vindas

—

—

—

Bônus de Indicação

—

—

—

Taxas

Taxa Mensal

Grátis

$10

Grátis

Emissão do Cartão

Grátis

Grátis

Grátis

Taxa de Caixa Eletrônico

Grátis

Grátis

Grátis

Taxa de Câmbio

Grátis

Grátis

Grátis

Taxa de Recarga

Grátis

1.5%

1.5%

CompareCards.declineFee

Grátis

Grátis

Grátis

Limites

Gasto Diário

Ilimitado

$15,000

$15,000

Gasto Mensal

Ilimitado

Ilimitado

Ilimitado

Saque em Caixa Eletrônico

Ilimitado

$1,000

$1,000

Info do Cartão

Tipo de Cartão

Cartão Virtual, Cartão Físico

Cartão Virtual, Cartão Físico

Cartão Virtual, Cartão Físico

Rede do Cartão

Visa

Visa

Visa

CompareCards.applePay

✗

✗

✗

CompareCards.googlePay

✗

✗

✗

Fold Bitcoin Credit CardAtual

Fold Visa Prepaid Debit Card (Fold+ Member)

Fold Visa Prepaid Debit Card (Fold Member)

Recompensas

Cashback

Fold Bitcoin Credit Card1.5%

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

Fold Visa Prepaid Debit Card (Fold Member)—

Cashback Cripto

Fold Bitcoin Credit CardBTC

Fold Visa Prepaid Debit Card (Fold+ Member)BTC

Fold Visa Prepaid Debit Card (Fold Member)BTC

Recompensas 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)—

Bônus de Boas-vindas

Fold Bitcoin Credit Card—

Fold Visa Prepaid Debit Card (Fold+ Member)—

Fold Visa Prepaid Debit Card (Fold Member)—

Bônus de Indicação

Fold Bitcoin Credit Card—

Fold Visa Prepaid Debit Card (Fold+ Member)—

Fold Visa Prepaid Debit Card (Fold Member)—

Taxas

Taxa Mensal

Fold Bitcoin Credit CardGrátis

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

Fold Visa Prepaid Debit Card (Fold Member)Grátis

Emissão do Cartão

Fold Bitcoin Credit CardGrátis

Fold Visa Prepaid Debit Card (Fold+ Member)Grátis

Fold Visa Prepaid Debit Card (Fold Member)Grátis

Taxa de Caixa Eletrônico

Fold Bitcoin Credit CardGrátis

Fold Visa Prepaid Debit Card (Fold+ Member)Grátis

Fold Visa Prepaid Debit Card (Fold Member)Grátis

Taxa de Câmbio

Fold Bitcoin Credit CardGrátis

Fold Visa Prepaid Debit Card (Fold+ Member)Grátis

Fold Visa Prepaid Debit Card (Fold Member)Grátis

Taxa de Recarga

Fold Bitcoin Credit CardGrátis

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

Fold Visa Prepaid Debit Card (Fold Member)1.5%

CompareCards.declineFee

Fold Bitcoin Credit CardGrátis

Fold Visa Prepaid Debit Card (Fold+ Member)Grátis

Fold Visa Prepaid Debit Card (Fold Member)Grátis

Limites

Gasto Diário

Fold Bitcoin Credit CardIlimitado

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

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

Gasto Mensal

Fold Bitcoin Credit CardIlimitado

Fold Visa Prepaid Debit Card (Fold+ Member)Ilimitado

Fold Visa Prepaid Debit Card (Fold Member)Ilimitado

Saque em Caixa Eletrônico

Fold Bitcoin Credit CardIlimitado

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

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

Info do Cartão

Tipo de Cartão

Fold Bitcoin Credit CardCartão Virtual, Cartão Físico

Fold Visa Prepaid Debit Card (Fold+ Member)Cartão Virtual, Cartão Físico

Fold Visa Prepaid Debit Card (Fold Member)Cartão Virtual, Cartão Físico

Rede do Cartão

Fold Bitcoin Credit CardVisa

Fold Visa Prepaid Debit Card (Fold+ Member)Visa

Fold Visa Prepaid Debit Card (Fold Member)Visa

CompareCards.applePay

Fold Bitcoin Credit Card✗

Fold Visa Prepaid Debit Card (Fold+ Member)✗

Fold Visa Prepaid Debit Card (Fold Member)✗

CompareCards.googlePay

Fold Bitcoin Credit Card✗

Fold Visa Prepaid Debit Card (Fold+ Member)✗

Fold Visa Prepaid Debit Card (Fold Member)✗

Requisitos de KYC

Pontuação da Comunidade

6.8/10

Fontes

Ver 44 Fontes

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.

Detalhamento por Categoria

Recursos

Criptomoedas Suportadas

BTC