Fold Card Review 2026
Last updated: by the
Last updated: by the
Fold Card pioneered Bitcoin rewards with the first Visa credit card offering up to 3.5% back in BTC—2% instantly on every purchase, plus 1.5% extra when using Fold's checking account for repayment. Spin the daily Spinwheel to win additional Bitcoin rewards (up to 1 BTC!), earn up to 10% back at partners like Amazon, Target, Starbucks, and Uber, and enjoy zero foreign transaction fees. Backed by Visa and Stripe with nearly $75 million in Bitcoin rewards distributed, Fold Card transforms everyday spending into Bitcoin accumulation for Americans who believe in BTC as the ultimate savings asset.
This is a Visa crypto card. It offers cashback rewards. Available to US residents.
| Issuance Fee | Free |
|---|---|
| Annual Fee | Fold+: varies by tier |
| FX Fee | No foreign transaction fees, standard Visa rates |
| ATM Limit | Available at Visa ATMs |
| Spending Limit | Based on creditworthiness |
The Fold Card allows you to top up and spend using 2 supported digital assets. Your crypto is automatically converted to local fiat at the point of sale.
The Fold Card is best suited for everyday crypto holders looking for a simple, convenient way to spend digital assets without managing wallets manually.
With Up to 2% back in Bitcoin (Fold+ members); Standard: 1.5% BTC + up to $100 bonus. Up to 20% on gift cards and merchant boosts. cashback on eligible purchases, the Fold Card rewards active spenders who use the card as their daily driver.
The card is currently available in USA only — ideal for residents and frequent travellers in those areas.
Compare the Fold Card side-by-side with alternatives using the full card listing or explore our Visa crypto cards category.
Getting started with the Fold Card is straightforward. Follow the four steps below to apply, verify your identity, and start spending your crypto.
Visit the official Fold website or download their mobile app. Register with your email address, set a strong password, and accept the terms of service. Sign-up is free.
Submit a government-issued photo ID (passport or national ID card) along with a live selfie for identity verification. Fold processes applications in line with AML and KYC regulations.
Once verified, top up your card balance using Link bank account for USD funding; Bitcoin purchases via the platform's funding interface. Your crypto is automatically converted to the local fiat currency at the prevailing rate when you spend.
Your virtual Fold Card is available immediately in the Fold app. Use it for online purchases, or add it to Apple Pay or Google Pay for in-store contactless payments.
Available in the United States
The Fold Card is primarily available to US residents. Availability may vary by state due to state-level money transmission licensing requirements. Check the issuer's website for details specific to your state.
Commonly supported states:
