Fold Bitcoin Credit Card Review 2026
Reviewed by Mihail B. in · · how we verify
Algorithmic score, not user reviews: how it is calculated
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Fees and limits
| Issuance fee | Free |
|---|---|
| Annual fee | Free; an active Fold account is required |
| FX fee | 0%: the cardholder agreement (v3, effective 1 Oct 2026) says…The fine print
|
| ATM limit | No cash advances |
| Spending limit | Credit limit set at approval; not published |
Fees change; the current ones are in Fold Bitcoin’s terms.
Features
- Cashback: 1.5%
The fine print
- … back in bitcoin on eligible purchases, with no cap
- A Fold Reserve balance raises the rate on the first $5,000 of eligible purchases each calendar month: 1.75% at $15,000, 2% at $25,000, 3% at $50,000, 4% at $75,000 and 5% at $100,000
- A $5,000 Reserve does not change the credit card rate
- One $5,000 monthly boost cap is shared with the Fold Prepaid Debit Card, and credit and debit rewards cannot be earned at the same time
- Rewards are credited in bitcoin and locked for 30 days before they can be withdrawn
- Custody: Custodial; bitcoin rewards are an unsecured obligation of Fold recorded in a Rewards Account until withdrawn, and Fold's bitcoin custody is provided by BitGo
- KYC: Yes; Fold account verification plus a credit check
- Card type: Virtual and physical
- Top up with: No top-up; the statement is paid in U.S. dollars through the Fold App or by phone, optionally by Autopay
- Available countries: United States
Who issues the Fold Bitcoin Credit Card
The Fold Bitcoin Credit Card is issued by Celtic Bank, USA (Utah state-chartered bank) (State-chartered bank). The issuer is named in the source linked below. "The Fold Bitcoin Credit Card TM is issued by Celtic Bank, powered by Stripe®, and operates on the Visa® network." Separate from the prepaid Fold Card, which Sutton Bank issues.
Primary source · All cards issued by Celtic Bank · Why the issuer matters
Pros and cons
Pros
- 1.5% back in bitcoin with no cap and no membership fee
The fine print
- Up to 5% on the first $5,000 a month with a Fold Reserve balance
- No annual fee and no foreign transaction fee
- No penalty APR
- Apple Pay and Google Pay
- Issuer named in the agreement
- No card issuance fee
Cons
- US only and credit check
The fine print
- Access still by waitlist
- 20.49% to 29.49% variable APR on unpaid balances
- Late and returned payment fees up to $30
- $35 per replacement after one free a year
- No cash advances
- Rewards locked 30 days, paid in volatile bitcoin, and the rewards account is capped at $10,000
Regional availability
Available in the United States
The Fold Bitcoin Credit Card is for US residents: United States.
Card overview
The Fold Bitcoin Credit Card is Fold's credit card, a Visa issued by Celtic Bank and powered by Stripe, and a different product from the prepaid Fold Card. The base reward is 1.5% back in bitcoin on eligible purchases with no cap. The rewards terms in force since 24 September 2026 drop the old bonuses for scheduled bitcoin buys and for paying the bill in bitcoin, and no Fold+ membership is involved. The boost now comes from a Fold Reserve balance: 1.75% at $15,000, 2% at $25,000, 3% at $50,000, 4% at $75,000 and 5% at $100,000, on the first $5,000 of purchases a month.
That cap is shared with Fold's debit card, and credit and debit rewards cannot be earned at the same time. Reserve is closed-loop stored value issued by Fold, is not FDIC insured and pays no interest, so the top rate means parking $100,000 that earns nothing on its own. There is no annual fee and no foreign transaction fee. Access is still by waitlist, so applying today may mean waiting.
Purchase APR starts at 20.49% variable, there are no cash advances, and rewards stay locked for 30 days in a rewards account capped at $10,000.
- Best fit
- US residents who pay the balance in full every month and want bitcoin rather than cash back
- Wrong card if
- you carry a balance, where the APR outruns any reward, or you live outside the US
Common questions about the Fold Bitcoin Credit Card
We do not collect user reviews. Answers come from the card terms, the issuer disclosure and the regulator registers we could reach, rechecked on the Data verified date above.
