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 Credit Card is a crypto credit card offered by Fold, available in US. It offers 1.5-4% BTC cashback across 3 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 spenders who want a true credit line rather than a pre-funded crypto debit card. It runs on the Visa network and requires full identity verification.
| Tier | Rate | Requirement |
|---|---|---|
| Base | 1.5% | Unlimited BTC back on all purchases |
| BTC Pay Bonus | 2% | +0.5% when paying balance with BTC |
| Auto-Stack Bonus | 4% | +up to 2% on first $2,000/mo via Auto-Stack/Direct-to-Bitcoin (varies, not guaranteed) |
Note: Launched March 17, 2026. No-annual-fee metal Visa credit card powered by Stripe and Visa. 1.5% unlimited BTC base on all qualifying purchases. Up to 4% total on first $2,000/mo with +0.5% BTC Pay (paying balance with BTC) and up to +2% Auto-Stack/Direct-to-Bitcoin bonuses (variable, not guaranteed). Up to 10% via select rewards-network brands. Rewards locked 30 days after posting. 75K+ waitlist served. Confirmed via foldapp.com/credit-card May 2026. NerdWallet references a separate '2% Fold Bitcoin Card' (Celtic Bank issuer); not corroborated on Fold's official site.
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The Fold Credit Card is a crypto credit card offered by Fold. It is available in US and allows users to spend cryptocurrency at merchants worldwide.
The Fold Credit Card offers 1.5-4% BTC cashback. There are 3 tiers: Base (1.5%), BTC Pay Bonus (2%), Auto-Stack Bonus (4%).
The Fold Credit Card has an annual fee of $0. Additional fees: Conversion fee: n/a (USD credit card, BTC rewards); Top-up: n/a.
The Fold Credit Card is available in US. Its availability status is "US".
The Fold Credit Card is a true credit card, meaning you can make purchases on credit rather than needing to pre-fund the card with cryptocurrency.
Yes, the Fold Credit 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.