The Fold Credit Card earns 1.5-4% BTC cashback on a Visa credit card with no annual fee, available in US.
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.
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 credit cards.
| Tier | Rate | Requirement |
|---|---|---|
| Base | 1.5% | 1.5% BTC back on all eligible purchases, uncapped |
| Bitcoin Payment Bonus | 2% | +0.5% when paying the statement with bitcoin held in a Fold account |
| Boosted | 4% | Up to 4% via extra rewards on first $2,000/mo (recurring bitcoin buys or direct-to-bitcoin transfers) |
On $500/mo spend, the estimated monthly cost breakdown for Fold Credit Card is: gas $0.00, conversion spread $7.50, flat/FX fees $0.00, and amortised card/tier fee $0.00, for a total drag of 1.5% of spend. After $8.00/mo cashback that nets a gain of about $0.50/mo ($6.00/yr). Fold Credit 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.
The Fold Credit Card is a true Visa credit card issued by Celtic Bank and powered by Stripe Issuing, a different product from Fold's long-running prepaid debit card (issued by Sutton Bank), and it is the first Fold product that earns rewards across Visa's merchant base rather than inside the Fold app. There is no annual fee on the card itself, though Fold notes other fees such as returned-payment and late-payment charges can apply.
The stacking structure is the real differentiator, and also the catch: everyone earns 1.5% back in bitcoin with no cap, paying the statement with bitcoin held in a Fold account adds 0.5%, and the advertised ceiling of 4% depends on additional rewards that apply only to the first $2,000 in monthly purchases and are earned through activity like recurring bitcoin buys or direct-to-bitcoin transfers. In other words, the 4% is a capped, activity-gated best case, not a flat rate, and the dependable number is 1.5% to 2%.
Access is the other constraint. Fold's own annual report describes a limited March 2026 launch in which the first underwritten cardholders were internal team members, and the public rollout to waitlist members only began May 27, 2026 in scheduled batches. Since this is a revolving credit line, the usual credit-card math applies: bitcoin rewards only pencil out for people who pay in full, and there is not yet enough independent cardholder history to judge approvals, limits, or servicing.
Independent reports specific to this credit card are effectively nonexistent so far, which follows from the timeline: a limited internal launch in March 2026 and batched waitlist rollout starting May 27, 2026 [1][2]. Most online sentiment about "the Fold card" still describes the older prepaid debit product, and the testimonials on Fold's own site are provider-curated, so we do not treat them as independent evidence. Approval odds, credit limits, and reward-posting reliability for this card should be considered unestablished at time of writing.
Updated 2026-07-06
Note: Limited launch March 2026 (internal cardholders first); public waitlist rollout began May 27, 2026. No-annual-fee Visa credit card issued by Celtic Bank. CORRECTED May 27, 2026: base rate is 1.5% BTC back (originally announced as 2%), uncapped. Additional +0.5% for paying the statement with bitcoin held in a Fold account; up to 4% via extra rewards on the first $2,000/mo (recurring bitcoin buys or direct-to-bitcoin transfers). Fold+ subscription ($100/yr) unlocks up to 20% at select rewards-network merchants. Still in phased rollout (rolling out to waitlist in batches). $250 sign-up bonus. Rewards locked 30 days after posting.
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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%), Bitcoin Payment Bonus (2%), Boosted (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.
Top-up methods include Revolving credit line (Celtic Bank, Visa network, Stripe Issuing).
Yes. The Fold Credit Card requires full identity verification (KYC): expect to submit a government-issued ID, and often proof of address, before the card is issued.
The Fold Credit Card is available in 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.
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