Fold Card

Fold

High cashback

Cashback: 1.5% base · up to 4%in BTC
Monthly fee: $0 (debit) · $0 (credit)
FX / conversion: Not published
Issuance: Debit: see Cardholder Agreement · Credit: no annual fee
Card type: physical

Eligibility & KYC — who can get it

◐ Issued only in selected regions

Issued to residents / citizens of:

United States

US only. FDIC insurance via Sutton Bank; Visa USA license.

Issuer’s markets: US only

Where you can pay

◐ US only (USD loads and spends)

Official Fold Terms and Conditions: "The Fold Prepaid Debit Card is limited to loads and spends in U.S. dollars (USD)." Combined with US-only issuance (services "solely for users who are... citizens or permanent residents of the United States"), this is a US-domestic card.

Cashback details

Credit card: 1.5% back in BTC (base); up to 4% max with recurring BTC purchases + paying statement in BTC (on first $2K/mo). Debit: BTC/sats rewards on purchases (exact rate not disclosed). Fold+ subscribers get enhanced rewards.

Spend from

Bitcoin only (BTC/sats)

Verification procedure

Credit: credit check required · Debit: Fold account required (standard KYC)

AI subscriptions

Works for online subscriptions including AI services.

Good to know

Bitcoin-only rewards. Dual card product (debit + credit). Fold+ subscription for enhanced rewards. Direct-to-Bitcoin transfers. Sats-based reward system. Debit issued by Sutton Bank (Member FDIC); credit issued by Celtic Bank.

Referral program

You get (referrer)

$10 in sats

Friend gets (referee)

$10 in sats on first $25+ purchase

Conditions: New users get $10 in sats on first $25+ purchase via referral code.

Claim bonus ↗