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  5. Fold Bitcoin Credit Card
Fold Bitcoin Credit Card
Fold Bitcoin Credit Card
完整 KYC
虚拟卡 Visa
6.6
综合
获取此卡
Fold Bitcoin Credit Card logo

Fold Bitcoin Credit Card

发行方 Fold

获取此卡

Fold Bitcoin Credit Card 是一款兼顾信用积累与高收益比特币累积的强力工具。它提供 1.5% 的基础奖励比例,叠加各类奖励后总收益率可达 4%。

优点

  • +信用额度免年费
  • +比特币奖励潜力高(最高 4%)
  • +向征信机构上报,有助于建立信用记录
  • +用比特币偿还账单可额外获得 0.5% 奖励
  • +所有符合条件的消费享 1.5% 基础奖励且不设上限

缺点

  • -审批需进行硬性信用查询
  • -用比特币偿还账单会产生应税事件
  • -奖励需锁定 30 天
  • -奖励账户余额上限为 10,000 美元
  • -浮动年利率偏高(最高 29.49%)
6.6/10
综合良好
7.1/10
社区评分基于 110 个信息来源
Lv 4
KYC 等级完整 KYC

目录

对比 Fold 的卡片

Fold Bitcoin Credit CardFold Bitcoin Credit Card
Fold Visa Prepaid Debit Card (Fold+ Member)Fold Visa Prepaid Debit Card (Fold+ Member)
Fold Visa Prepaid Debit Card (Fold Member)Fold Visa Prepaid Debit Card (Fold Member)
奖励
返现
1.5%
0.5%
—
返现币种
BTC
BTC
BTC
质押奖励
✗
✗
✗
质押年化收益
—
—
—
新用户奖励
—
—
—
推荐奖励
—
—
—
费用
月费
免费
$10
免费
开卡费
免费
免费
免费
ATM 取现费
未披露
免费
未披露
外汇兑换费
未披露
免费
未披露
充值费
未披露
1.5%
1.5%
交易拒付费
未披露
未披露
未披露
限额
每日消费
未披露
$15,000
$15,000
每月消费
未披露
未披露
未披露
ATM 取现
未披露
$1,000
$1,000
卡片信息
卡片类型
虚拟卡, 实体卡
虚拟卡, 实体卡
虚拟卡, 实体卡
卡组织
Visa
Visa
Visa
Apple Pay
✓
✓
✓
Google Pay
✓
✓
✓
Fold Bitcoin Credit CardFold Bitcoin Credit Card
Fold Visa Prepaid Debit Card (Fold+ Member)Fold Visa Prepaid Debit Card (Fold+ Member)
Fold Visa Prepaid Debit Card (Fold Member)Fold Visa Prepaid Debit Card (Fold Member)
奖励
返现
Fold Bitcoin Credit Card1.5%
Fold Visa Prepaid Debit Card (Fold+ Member)0.5%
Fold Visa Prepaid Debit Card (Fold Member)—
返现币种
Fold Bitcoin Credit CardBTC
Fold Visa Prepaid Debit Card (Fold+ Member)BTC
Fold Visa Prepaid Debit Card (Fold Member)BTC
质押奖励
Fold Bitcoin Credit Card✗
Fold Visa Prepaid Debit Card (Fold+ Member)✗
Fold Visa Prepaid Debit Card (Fold Member)✗
质押年化收益
Fold Bitcoin Credit Card—
Fold Visa Prepaid Debit Card (Fold+ Member)—
Fold Visa Prepaid Debit Card (Fold Member)—
新用户奖励
Fold Bitcoin Credit Card—
Fold Visa Prepaid Debit Card (Fold+ Member)—
Fold Visa Prepaid Debit Card (Fold Member)—
推荐奖励
Fold Bitcoin Credit Card—
Fold Visa Prepaid Debit Card (Fold+ Member)—
Fold Visa Prepaid Debit Card (Fold Member)—
费用
月费
Fold Bitcoin Credit Card免费
Fold Visa Prepaid Debit Card (Fold+ Member)$10
Fold Visa Prepaid Debit Card (Fold Member)免费
开卡费
Fold Bitcoin Credit Card免费
Fold Visa Prepaid Debit Card (Fold+ Member)免费
Fold Visa Prepaid Debit Card (Fold Member)免费
ATM 取现费
Fold Bitcoin Credit Card未披露
Fold Visa Prepaid Debit Card (Fold+ Member)免费
Fold Visa Prepaid Debit Card (Fold Member)未披露
外汇兑换费
Fold Bitcoin Credit Card未披露
Fold Visa Prepaid Debit Card (Fold+ Member)免费
Fold Visa Prepaid Debit Card (Fold Member)未披露
充值费
Fold Bitcoin Credit Card未披露
Fold Visa Prepaid Debit Card (Fold+ Member)1.5%
Fold Visa Prepaid Debit Card (Fold Member)1.5%
交易拒付费
Fold Bitcoin Credit Card未披露
Fold Visa Prepaid Debit Card (Fold+ Member)未披露
Fold Visa Prepaid Debit Card (Fold Member)未披露
限额
每日消费
Fold Bitcoin Credit Card未披露
Fold Visa Prepaid Debit Card (Fold+ Member)$15,000
Fold Visa Prepaid Debit Card (Fold Member)$15,000
每月消费
Fold Bitcoin Credit Card未披露
Fold Visa Prepaid Debit Card (Fold+ Member)未披露
Fold Visa Prepaid Debit Card (Fold Member)未披露
ATM 取现
Fold Bitcoin Credit Card未披露
Fold Visa Prepaid Debit Card (Fold+ Member)$1,000
Fold Visa Prepaid Debit Card (Fold Member)$1,000
卡片信息
卡片类型
Fold Bitcoin Credit Card虚拟卡, 实体卡
Fold Visa Prepaid Debit Card (Fold+ Member)虚拟卡, 实体卡
Fold Visa Prepaid Debit Card (Fold Member)虚拟卡, 实体卡
卡组织
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 要求

Level: 完整 KYC
邮箱验证
需要
手机验证
需要
身份证件
需要
地址证明
需要
自拍验证
需要

社区评分

7.1/10
来源于
@Maguire Taney“Reserve Account Sucks Been a member of Fold for 2 years now. I have been super supportive of them and literally told EVERY cashier about Fold and how amazing it was. How it was the first bank to allow you to hold both USD & BTC, how I was earning BTC by using fold for everyday transactions. How my ACH payments like my mortgage was earning BTC… Now that they launched this reserve account I will loose lots of those incentives unless add USD to this reserve account. If I want to keep the same perks I have had for the past 2 years I will need add a minimum of $50,000 to this reserve account. I”@Dougd@hhi“Keep stacking We love the Fold debit card. Been using it for a couple of years now. Works like a pre-paid card so it helps with budgeting. We’ve had an issue once or twice. Customer service has been excellent.”@Nick Mayor“Terrible Spent 250$ on a card for them to not verify my identity what am I suppose to do. It should be a fine print saying you could possibly not be able to be verified. I’m just going to stick to using bitcoin on Cash App!!!!”@Striker13350“Great App, Great Card, Great Rewards App is fantastic. I’ve had the debit card for years. I just got the credit card. Both are easy to use and it’s wonderful getting bitcoin rewards that will increase in value, rather than dollars or airline miles that decrease in value. Gift cards like Amazon, Lowe’s, and many many more are an added bonus. Customer support is always quick to respond. Couldn’t be happier, and they continue to build and improve.”@guruoflove“Holding money hostage I genuinely want to like this app. I love everything about the idea of injecting bitcoin rewards into my daily financial transactions. however, about once a month if I need to withdraw money to my other bank account I get a random error that says ‘error creating route’ I have been assured by their tech-support that this happen and has been resolved however, it continues to happen and it locks money up that I trusted this company with Helpdesk is usually able to resolve this within a couple days however, if I am in a pinch, it is extremely inconvenient The other functi”@Chris Kerslake“I was excited to get account with this “company” but the app glitched out on the ID request. This was out of my control but they decided to penalize me because of their glitch. I have been denied access to service and the account.”@ChrisDremann“Loyal Fold User Great way to stack Bitcoin and get sats back on the fiat transactions you had to make anyway! For nearly 3 years I have been a loyal user. Have needed support a few times, and the emailers at the other end have always been prompt, courteous and helpful. Like how you can buy Bitcoin during the dips in mere seconds; only complaint is how there is a fee in the form of a higher price being charged compared to spot. Like, if spot is $92,000/BTC the moment before I hit the Buy button, the confirmation will show some percentage higher, like $93,250, on top of the stated transacti”@Yhwhsown“Immediate Response and Resolution A problem occurred on my Fold App, which I had never seen before. Contact with the support team turned that problem into a resolution with immediacy. Thank you for taking time out to meet my need!”@Eddierichard“I stopped buying and Started Earning Best Credit Card Available!!! This credit card made it easy to live on a bitcoin standard. I could sell buy earn and pay my card in bitcoin. The gift cards are the most valuable way I have achieved extra BTC.”@Ozzarbkram“Amazing App and Company I have been with Fold for over six years and use them as one of my primary bank accounts. By using the debit card and the awesome selection of gift cards for everyday purchases associated with Fold, I have earned over 12M sats in free rewards, averaging over 2k in value per year - simply amazing. They also have a great discord channel and Mat_Rix provides app updates, company information, and technical support which further adds tremendous value from this company. Couldn’t be happier and they have just rolled out a credit card in which you can earn Sats back on every p”@OakvilleKGB“Version 200.26.1 Does Not Open Still waiting on credit card to arrive and when I did the latest update to 200.26.1 then it does not open at all anymore”@CraigTheMusicExec“Massive Downgrade Used to be able to buy gift cards with your credit card. Now they’re forcing you to get their debit card to buy gift cards.”@Chrisston420“A complete joke I was excited to get account with this “company” but the app glitched out on the ID request. This was out of my control but they decided to penalize me because of their glitch. I have been denied access to service and the account.”@Richard Reiland“They cut rewards in half. Not worth the effort. They refused to refund my spin plus annual fee of $100 after using it only 3 months. So now, instead of correcting their bad service, Trustpilot has contacting me trying to remove the review...just more signs of why you should avoid "Fold".”@Mikesway2026“Day 33 of eating Jersey Mike's every day until they buy me Lamborghini Every day I will eat one Jersey Mike's sandwich and post proof. I will continue doing this until Jersey Mike's buys me a Lamborghini Day 33 sandwich: Today's suggestion was in honor of the Super Bowl a #5 Super Sub in a bowl aka the Super Bowl! I'll admit. This is the weirdest thing I've ate at Jersey Mike's. I don't think you can simply take the exact same toppings, put them into a bowl and expect it to hit the same. I completely understand where they're coming from - health, fewer carbs, keto, all that - but this th”@Consumer“They hold your bitcoin for 7 days after purchase before you are able to withdraw. This is very backwards and fishy to me. Defeats the whole purpose of Bitcoin and crypto payments in general.”@Scoop Mella“I think they need to improve on customer support,why will a customer sent you mails and won’t get any reply for over 72hours Meanwhile you offer only email support and no phone number to call for urgent support needed,very bad”@furjot2“app doesn’t even open sometimes! I wish I could review the app, but it’s so “good” that it won’t even load; I hope it’s not a way to freeze people’s money”@Alesha Rainford“This company has very bad customer support. I’ve had direct deposit there since June. Try to withdraw it can’t. Try to purchase bitcoin can’t. Try to transfer funds can’t. Try to use my card can’t. Try to add fold account to my other bank can’t. I submit verification document and still no update no respond just that it’s been escalated. I was told to informed them when I send the document and still not update. At this point I just want my money and close my account. I’ve been trying to get in contact with someone and still no help no update.”@Charles K Emmons“The idea of the fold card is great but the card itself and the app it uses need major upgrades for it to be a viable way to spend money. There really is no easy way to load the card, unless you want to be charged a 1% fee ( Apple or Venmo)which defeats the purpose of getting anything back for your purchases. The other (and free) way is an ACH transfer, which takes 2-3 business days, so your spending money is tied up for half the week while you wait for it to reach your card. A quick fix to this would be to do what Apple Cash and CashApp do, which are free instant transfers in app via a debit c”

分项评分

KYC 便捷度
6.6/10
奖励价值
7.3/10
App 体验
6.9/10
客服质量
7.5/10

功能

闪付(非接触支付)

支持的加密货币

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