PREPAID · VISA

Fold Card

Name: Fold Card
Brand: by Sutton Bank

by Sutton Bank · United States

Visa prepaid debit card earning Bitcoin rewards on every purchase. Rewards are denominated in sats and recorded as general unsecured obligation of Fold Holdings. Fold+ subscription ($100/yr) removes most fees. Also features ShakingSats-style daily engagement rewards.

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PREPAID

FOLD CARD

Visa

MAX REWARD

Up to 1.5%

ANNUAL FEE

$100/year (Fold+ subscription removes most fees)

FX FEE

$3 flat fee (waived with Fold+)

KEY FACTS

The card at a glance

CARD TYPE

Prepaid

Card category

NETWORK

Visa

Where it's accepted

ANNUAL FEE

$100/year (Fold+ subscription removes most fees)

Cost to hold the card

MAX REWARD

Up to 1.5%

Bitcoin sat rewards on every purchase; daily engagement bonuses via ShakingSats

REWARDS IN

Bitcoin (sats)

How rewards are paid

FX FEE

$3 flat fee (waived with Fold+)

On foreign-currency spend

REGION

United States

Where it's available

STAKING

Not required

Lock-up to earn rewards

REWARDS

Earning Up to 1.5%

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.

Reward summary

Up to Up to 1.5%, bitcoin sat rewards on every purchase; daily engagement bonuses via shakingsats, paid in Bitcoin (sats). No staking required for the base rate.

COSTS

Fees you'll actually meet

Annual fee

Cost to hold the card each year

$100/year (Fold+ subscription removes most fees)

Monthly fee

Recurring account cost

None

FX spread

Applied on foreign-currency spend

$3 flat fee (waived with Fold+)

ATM withdrawal

Cash withdrawal cost

$3.50 per withdrawal (waived with Fold+)

Crypto conversion

When spending crypto directly

1% (waived with Fold+)

Issuance fee

One-off cost to get the card

$5 (waived with Fold+)

ℹ️ Bitcoin sat rewards on every purchase; daily engagement bonuses via ShakingSats

VERDICT

Strengths and trade-offs

WORKS FOR YOU IF

✓Bitcoin rewards on all spending

✓Apple Pay and Google Pay

✓Fold+ removes most fees

✓US coverage

✓Dedicated Bitcoin savings features

LOOK ELSEWHERE IF

!$100/yr for Fold+ needed to remove fees

!US only

!Custodial Bitcoin

!$3 FX fee without subscription

!Rewards are general unsecured obligation

STANDOUT FEATURES

What sets it apart

✦Bitcoin sat rewards on every purchase

✦Fold+ removes most fees

✦Round-up and auto-stack to Bitcoin

✓ Apple Pay✓ Google Pay✓ iOS app✓ Android app✓ No staking

ABOUT THIS CARD

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. 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.