Fold
Bitcoin rewards app with a prepaid Visa debit card and a bitcoin rewards credit card.
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Fold key facts
| Category | Crypto card |
|---|---|
| Platforms | iOS, Android |
| Custody | Custodial |
| Fees | Credit card: no annual fee, late and returned payment fees may apply; ATM: no added fees for Fold+ subscribers, standard fees may apply |
| Pricing | Fold Bitcoin Credit Card: 1.5% back in bitcoin on eligible net purchases, no cap |
| Company | Prepaid debit card issued by Sutton Bank, Member FDIC; Fold Bitcoin Credit Card issued by Celtic Bank |
What is Fold?
Fold is a bitcoin financial app that pays bitcoin rewards through a prepaid Visa debit card issued by Sutton Bank and the Fold Bitcoin Credit Card issued by Celtic Bank. Credit cardholders earn 1.5% back in bitcoin on eligible net purchases with no cap. Bitcoin is held with BitGo.
Fold pros and cons
- Credit card earns 1.5% bitcoin back on eligible purchases with no cap
- No annual fee on the Fold Bitcoin Credit Card
- Fold+ subscribers pay no added ATM fees or bitcoin purchase fees
- Prepaid debit card, not a bank account; FDIC coverage is pass-through via Sutton Bank only
- Credit card requires a credit check and a Fold account that may carry separate fees
- Fee-free ATM and bitcoin buys require the paid Fold+ tier
Fold FAQ
What is Fold?
Fold is a bitcoin financial app that pays bitcoin rewards through a prepaid Visa debit card issued by Sutton Bank and the Fold Bitcoin Credit Card issued by Celtic Bank. Credit cardholders earn 1.5% back in bitcoin on eligible net purchases with no cap. Bitcoin is held with BitGo.
How much does Fold cost?
Credit card: no annual fee, late and returned payment fees may apply; ATM: no added fees for Fold+ subscribers, standard fees may apply, according to Fold’s own page (checked Sep 26, 2026).
Does Fold hold my funds?
Yes. Fold is custodial: it holds the keys to your balance.
Sources
How this page works
Sources: Fold: official site, Fold: Homepage, Fold: Credit Card. Data as of Sep 26, 2026.
Not affiliated with any project listed. Educational content, not financial advice.