The Fold Card earns 0.5-1.5% BTC cashback on a Visa debit card with a $0-$100/yr fee, available in US Only.
Fold Holdings, Inc. (Nasdaq: FLD) is a US Bitcoin-rewards financial services company founded in 2019 by Will Reeves, Matthew Luongo, and Corbin Pon. Fold completed a SPAC merger with FTAC Emerald Acquisition Corp. and began trading on Nasdaq on February 19, 2025; products include an FDIC-insured checking account and a Visa prepaid debit card with bitcoin rewards.
The Fold Card is a crypto debit card offered by Fold, available in US Only. It offers 0.5-1.5% BTC cashback across 3 reward tiers, giving users the ability to earn higher rates as they increase their commitment. The annual fee starts at $0-$100/yr.
Best suited for Bitcoin holders who want to stack sats on everyday spending. It runs on the Visa network and requires standard identity verification.
New to crypto cards? Read our complete buyer's guide to understand fees, rewards, and how to choose. Concerned about privacy? See our KYC vs non-KYC comparison. Compare more options in our best crypto cards in the US guide.
On $500/mo spend, the estimated monthly cost breakdown for Fold Card is: gas $0.00, conversion spread $0.00, flat/FX fees $0.00, and amortised card/tier fee $0.00, for a total drag of 0% of spend. After $0.00/mo cashback that nets a gain of about $0.00/mo ($0.00/yr). Fold Card tops up from a centralized balance, so there is no on-chain gas cost regardless of how often you reload. Figures are conservative estimates and vary with conditions.
| Tier | Rate | Requirement |
|---|---|---|
| Basic | 0% | Free, spin wheel rewards only |
| Fold+ Base | 0.5% | $100/yr, all purchases |
| Fold+ Boosted | 1.5% | $100/yr, rotating categories |
Note: Unified app launched Feb 4, 2026. Fold+ ($100/yr) still active but company transitioning rewards model; free tier earns ~0.5% BTC + Spin Wheel. Boosts up to 2% BTC plus 1.5% on bill pay and up to 15% at select merchants. Fold Credit Card (separate entry) launched May 27, 2026. Fold is publicly traded (NASDAQ: FLD). BitGo custody with $250M insurance.
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The Fold Card is a crypto debit card offered by Fold. It is available in US Only and allows users to spend cryptocurrency at merchants worldwide.
The Fold Card offers 0.5-1.5% BTC cashback. There are 3 tiers: Basic (0%), Fold+ Base (0.5%), Fold+ Boosted (1.5%).
The Fold Card has an annual fee of $0-$100/yr. Additional fees: Conversion fee: 0% (USD-funded); FX fee: 3%; ATM: $2.50/withdrawal.
The Fold Card is available in US Only. Its availability status is "US".
The Fold Card is a debit card. You need to load cryptocurrency onto the card before making purchases.
Yes, the Fold Card supports Apple Pay and Google Pay for contactless payments.
Want to see your annual earnings? Use the ROI Calculator to estimate net cashback at your spending level, or compare cards side by side.