The Fold Card earns 0.25-3% BTC cashback on a Visa debit card with no annual 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 0.25-3% BTC cashback across 7 reward tiers, giving users the ability to earn higher rates as they increase their commitment. There is no annual fee to hold this card.
Best suited for Bitcoin holders who want to stack sats on everyday spending. Note that monthly cashback caps apply. 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. See where it ranks among the best crypto debit cards.
| Tier | Rate | Requirement |
|---|---|---|
| Non-Reserve | 0.25% | Fold Reserve balance $0-$4,999 |
| Tier 1 | 0.25% | Fold Reserve balance $5,000 |
| Tier 2 | 0.5% | Fold Reserve balance $15,000; tier rate on the first $5,000 of spend a month, then 0.25% |
| Tier 3 | 1% | Fold Reserve balance $25,000; tier rate on the first $5,000 of spend a month, then 0.25% |
| Tier 4 | 1.5% | Fold Reserve balance $50,000; tier rate on the first $5,000 of spend a month, then 0.25% |
| Tier 5 | 2% | Fold Reserve balance $75,000; tier rate on the first $5,000 of spend a month, then 0.25% |
| Tier 6 | 3% | Fold Reserve balance $100,000; tier rate on the first $5,000 of spend a month, then 0.25% |
On $500/mo spend, the estimated monthly cost breakdown for Fold Card is: gas $0.00, conversion spread $0.00, flat transaction fees $0.00, and amortised card/tier fee $0.00, for a total drag of 0% of spend. After $1.00/mo cashback that nets a gain of about $1.00/mo ($12.00/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.
Note: REWARDS RESTRUCTURED (2026-10-23): foldapp.com/pricing now sets debit card rewards by Fold Reserve balance tier, from 0.25% (Non-Reserve and Tier 1) to 3% (Tier 6, $100,000 balance), on the first $5,000 of spend each month and 0.25% above that, and lists Fold's annual fee as $0. Fold Reserve is closed-loop stored value, not a deposit account, not FDIC insured, and earns nothing itself. The tiered rate goes to the Fold Bitcoin Credit Card by default, and to the debit card only for users who do not have or do not use the credit card; credit and debit rewards cannot be earned at the same time. The Fold+ ($100/yr) tiers previously recorded here no longer appear on the pricing page. Unified app launched Feb 4, 2026. Fold Credit Card (separate entry) launched May 27, 2026. Fold is publicly traded (NASDAQ: FLD). BitGo custody with $250M insurance. Jan 28, 2026 CEO letter announced elimination of Fold+ subscriptions with pro-rated refunds. VERIFICATION GAP (2026-10-24): A crypto conversion fee is not stated on the official pages read, which show the card spending a US dollar balance. The 0.25% to 3% debit reward range is not stated in one place on the official pages read, which give the 0.25% Non-Reserve rate and the up to 3% debit rate separately. The monthly cap on the higher reward tiers is not stated next to each tier's balance threshold on the official pages read, which give the $5,000 monthly cap and the 0.25% rate above it in a separate sentence.
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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 0.25-3% BTC cashback. There are 7 tiers: Non-Reserve (0.25%), Tier 1 (0.25%), Tier 2 (0.5%), Tier 3 (1%), Tier 4 (1.5%), Tier 5 (2%), Tier 6 (3%).
The Fold Card has an annual fee of $0. Additional fees: Conversion fee: 0% (USD-funded); FX fee: $3.00 flat per foreign transaction, waived for Fold Reserve members with a Reserve Balance of $5,000 or more; network rules can class some purchases from US merchants as foreign; ATM: $3.50/withdrawal, waived for Fold Reserve members with a Reserve Balance of $5,000 or more.
Yes. Fold requires standard identity verification (KYC), typically a government-issued ID, during signup.
The Fold Card is available in US Only.
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.