Fold Card
Visa prepaid debit card earning Bitcoin rewards on every purchase: 0.25% as standard, rising to 3% for members holding a large Fold Reserve balance. Rewards are denominated in sats and recorded as general unsecured obligation of Fold Holdings. Holding $5,000 in Fold Reserve removes the ATM and foreign-purchase fees. Also features spin-the-wheel bonus rewards. Fold is moving accounts to Reserve in stages; until it appears in your app, its earlier terms apply.
Is the Fold Card worth it?
The Fold Card is a prepaid card on Visa, paying up to 3% back on spend, with no annual fee. Whether it suits you comes down to the trade-offs below.
GOOD FIT IF
- you want up to 3% back on everyday spending
- you don't want to stake or lock up a token to earn the rate
- you want a card with no annual fee
THINK TWICE IF
- you want to hold your own keys — this card is custodial
- you're outside United States
How we rate the Fold Card
- Cost25%3.0 / 5
The card itself is free, but each foreign purchase costs a flat $3.00, ATM withdrawals $3.50, and instant card-to-card transfers 1.5%. Holding $5,000 in Fold Reserve waives the foreign-purchase and ATM fees.
- Conditions25%5.0 / 5
The 0.25% base rate needs no stake, balance or subscription. The advertised 3% needs a $100,000 Fold Reserve balance.
- Rewards25%3.0 / 5
Under Fold Reserve, which replaced the Fold+ membership in Fold's terms from 21 September 2026 and is reaching accounts in stages, the debit card pays 0.25% back in bitcoin as standard, with spin bonuses on top. Higher rates (0.5% to 3%) need a Fold Reserve balance of $15,000 to $100,000. Paid in BTC rather than an issuer token.
- Reliability25%4.5 / 5
Issued by Sutton Bank with a full published fee schedule and cardholder agreement, and running since 2019 — among the best-documented cards here.
Four criteria, each worth 25%, scored by us against the issuer's published terms — the total above is their average, not a separate judgement. Scored September 16, 2026. Read the full scoring model. No issuer can pay to change a score.
The card at a glance
Earning Up to 3%
The headline rate is usually the top of a band, not a flat rate on everything. In practice most spending earns the base rate, and the higher figure applies to selected merchants, campaigns or staking tiers.
Up to 3%, paid in Bitcoin (sats). No staking required for the base rate.
- 0.25% back in bitcoin on every purchase, with no cap and no Reserve balance needed, plus spin-wheel rewards.
- Holding a Fold Reserve balance raises the rate on your first $5,000 of purchases each month: 0.5% at $15,000, 1% at $25,000, 1.5% at $50,000, 2% at $75,000 and 3% at $100,000.
- Rewards can be withdrawn 30 days after a purchase settles.
Fees you'll actually meet
How much you can spend
Published by the issuer. One set of limits applies wherever the card is available.
The card balance is capped at $30,000, and up to $15,000 can be loaded in any 24 hours.
How much cash you can take out
The maximum total you can withdraw in each period. One set of limits applies wherever the card is available.
Up to $250 per ATM withdrawal or cash back at a till.
Strengths and trade-offs
WORKS FOR YOU IF
- Bitcoin rewards on all spending
- Apple Pay and Google Pay
- A $5,000 Fold Reserve balance removes the ATM and foreign-purchase fees and the 1% bitcoin trading fee
- US coverage
- Dedicated Bitcoin savings features
LOOK ELSEWHERE IF
- Base reward is 0.25%; higher rates need a Fold Reserve balance of $15,000 or more
- $3.00 per foreign purchase and $3.50 per ATM withdrawal unless you hold $5,000 in Fold Reserve
- Fold Reserve is prepaid value, not a deposit, and is not FDIC-insured
- US only
- Custodial Bitcoin
- Rewards are general unsecured obligation
What sets it apart
- Bitcoin sat rewards on every purchase
- Fold Reserve: a prepaid balance that sets your reward tier and removes most fees from $5,000
- Round-up and auto-stack to Bitcoin
Latest news & analysis
- NEWS · Fold Replaces Fold+ With Fold Reserve: What the Debit Card Pays NowFold has dropped its Fold+ membership. Debit card rewards now start at 0.25% in bitcoin and reach 3% only with $100,000 held in Fold Reserve.
- GUIDE · The Fees Crypto Cards Don't Put on the Front PageA card advertised as free can still charge you on every purchase. Here are the five fees that decide what a crypto card really costs, with real 2026 figures from the cards we track.
Common questions
Where can I use the Fold Card?
Does the Fold Card have an annual fee?
Do I need to stake anything to earn rewards?
How much can I earn with the Fold Card?
Does it work with Apple Pay and Google Pay?
Figures on this page come from Sutton Bank's published card terms and were verified on October 3, 2026. Rewards, fees and availability change often and vary by region. See our methodology for how we score and verify every card. This is not financial advice.
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