Fold Bitcoin Credit Card

对比 Fold 的卡片

Fold Bitcoin Credit Card当前

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

免费

免费

免费

外汇兑换费

免费

免费

免费

充值费

免费

1.5%

1.5%

交易拒付费

免费

免费

免费

限额

每日消费

不限额

$15,000

$15,000

每月消费

不限额

不限额

不限额

ATM 取现

不限额

$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 Card当前

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免费

Fold Visa Prepaid Debit Card (Fold+ Member)免费

Fold Visa Prepaid Debit Card (Fold Member)免费

外汇兑换费

Fold Bitcoin Credit Card免费

Fold Visa Prepaid Debit Card (Fold+ Member)免费

Fold Visa Prepaid Debit Card (Fold Member)免费

充值费

Fold Bitcoin Credit Card免费

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免费

Fold Visa Prepaid Debit Card (Fold+ Member)免费

Fold Visa Prepaid Debit Card (Fold Member)免费

限额

每日消费

Fold Bitcoin Credit Card不限额

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不限额

Fold Visa Prepaid Debit Card (Fold+ Member)不限额

Fold Visa Prepaid Debit Card (Fold Member)不限额

ATM 取现

Fold Bitcoin Credit Card不限额

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

社区评分

6.8/10

来源于

查看 44 个来源

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”

综合 Gemini 与 Grok 两轮深度研究，Fold Bitcoin Credit Card 在 Reddit、YouTube、Google Play/App Store 与财经媒体上的口碑始终两极分化。比特币原生的重度用户称赞它能在日常消费与账单支付中被动累积聪（包括如今已被收紧的 PayPal 账单支付漏洞）、重新设计后颇具新型银行质感的 App，以及在礼品卡兑换失败等交易问题上总体积极的客服响应。反复出现的批评则集中在「挤压效应」——基础奖励率一路下滑至约 1%-1.5%；顶级 4% 奖励档位要求每月购买 6,000 美元以上比特币，现实中难以达成；结转余额的浮动年利率高达 20.49%-29.49%；「零手续费」购买比特币背后其实藏着点差；以及与 Celtic Bank 授信审批绑定、摩擦颇重的 KYC 与核保流程。企业与市场层面对 Fold 纳斯达克上市与债务重组的报道，明显比消费者对这张卡实际经济性的评价更为正面。

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支持的加密货币

BTC