Image: Fold

Fold Bitcoin Rewards Credit Card review: fees, cashback and limits

Name: Fold Bitcoin Rewards Credit Card
Brand: Fold

A no-fee US Visa credit card with 1.5% back in bitcoin, and up to 5% for big Fold Reserve balances.

By Taimoor, founder and editor Last checked 17 October 2026 3 sources

5.3out of 10

Quick answer

The Fold Bitcoin Credit Card is a US Visa credit card issued by Celtic Bank with no annual fee. It pays 1.5% back in bitcoin on every purchase with no cap. Keeping money in Fold Reserve, from $5,000, lifts the rate on your first $5,000 of card spending each month, up to 5% with a $100,000 Reserve balance. Reserve is stored value that sets your reward tier. It isn't a bank deposit and isn't FDIC insured.

Fold Card at a glance

Best for	US bitcoiners who want an uncapped 1.5% in bitcoin with no annual fee.
Skip it if	You live outside the US or don't want rewards in bitcoin.
Network	Visa
Card issuer	Celtic Bank (powered by Stripe Issuing)
Custody	Rewards held in your Fold account
Card type	Credit card
Virtual or physical	Virtual and physical
Cashback	1.5% to 5% in bitcoin
Annual fee	$0
Apple Pay / Google Pay	Not confirmed / Not confirmed
Identity check (KYC)	Required, plus credit approval
Where it works	United States, rolling out from a waitlist since May 2026.

Fold Card fees

Card cost	Not published
Annual or membership fee	$0
FX and cross-border	Not published
Crypto conversion	None. You spend dollars and earn bitcoin.
ATM withdrawals	Credit card cash advance terms apply

Visa applies its own exchange rate on top of any card markup. Check the fee page in the Fold Card app for your country before you load money. To see what Fold Card would cost you in a year compared with every other card, try the cost calculator.

What a $100 purchase costs with Fold Card

$0.00Paid from stablecoins in the card's own currency

Not publishedPaid from stablecoins in a foreign currency

$0.00Paid from other crypto, like BTC or ETH

$1.50Cashback on $100, Credit card tier

These are Fold Card's own fees on the Credit card tier, before the card network's exchange rate and any ATM or top-up costs. For a full year based on your own spending, use the cost calculator.

Where it ranks by our score: #15 of 20 in United States

Cashback and rewards

1.5% back in bitcoin on eligible purchases, no cap
A Fold Reserve balance of $5,000 or more boosts the rate on your first $5,000 of card spend a month
5% needs the credit card and a $100,000 Reserve balance
Fold's prepaid debit card earns up to 3% by Reserve tier

Deposits and withdrawals

How to top up

Credit card, so you pay a monthly bill

Fees: Interest applies if you carry a balance.

How to withdraw

Withdraw bitcoin rewards from Fold

Fees: Fold's withdrawal terms apply.

Supported assets: Rewards in bitcoin.

Where Fold Card works

United States, rolling out from a waitlist since May 2026.

Not available outside the US.

United States

Limits and perks

Limits

Credit limit set at approval

Perks

Brand offers through the Fold app

Pros and cons

What's good

Uncapped 1.5% in bitcoin
No annual fee
Spend dollars, earn bitcoin

What's not

Boosted rates need $5,000 to $100,000 parked in Fold Reserve, which isn't insured
FX terms not published
US only, still rolling out

Our take on Fold Card

Fold has offered bitcoin rewards on debit spending for years, and its credit card rolled out from a waitlist in May 2026. It pays 1.5% back in bitcoin on everything, with no cap and no annual fee, which already beats many crypto credit cards that charge a membership.

The higher rates now depend on Fold Reserve, a balance you park with Fold. From $5,000 in Reserve, the rate on your first $5,000 of card spend each month goes up by tier, reaching 5% with $100,000. Reserve earns no interest by itself and isn't an insured deposit, so only use it if you'd keep that much with Fold anyway. Fold also runs a prepaid debit card and, since October 2026, a Spending Account provided by Lead Bank.

A simple no-fee bitcoin rewards credit card for the US. Ignore the Reserve tiers unless you already hold a lot with Fold.

How we scored Fold Card: 5.3/10

Methodology

Fees 30%

6 No annual fee. FX not published.

Rewards 20%

8 1.5% uncapped, up to 5% with a large Reserve balance.

Control 20%

5 Custodial rewards.

Reach 15%

2 US only.

Flexibility 15%

4 Bitcoin rewards only.

Recent Fold Card updates

All news

13 October 2026

Fold drops to no annual fee and ties higher rewards to Fold Reserve

Fold's pricing page lists no annual fee on the Fold Bitcoin Credit Card and 1.5% back in bitcoin with no cap. Higher rates now depend on a Fold Reserve balance from $5,000, reaching 5% on the first $5,000 of monthly spend with $100,000 in Reserve. Fold also introduced a Spending Account provided by Lead Bank. Reserve is not an FDIC-insured deposit.

Fold Card FAQ

How much does the Fold Bitcoin Rewards Credit Card cost?

Not published. Annual or membership fee: $0.

Does Fold Card have cashback?

1.5% to 5% in bitcoin. 1.5% back in bitcoin on eligible purchases, no cap.

What are the Fold Card FX and ATM fees?

FX: Not published. ATM: Credit card cash advance terms apply.

Where is Fold Card available?

United States, rolling out from a waitlist since May 2026. Not available outside the US.

Is Fold Card self-custody?

Rewards held in your Fold account.

Sources

Fold pricing and Reserve tiersAnnual fee, credit and debit reward rates, Reserve terms, checked Oct 17, 2026
Fold: Fold rolls out new bitcoin rewards credit cardRewards, issuer, rollout, May 27, 2026
The Block: Fold taps Stripe and VisaEarlier terms, Sep 23, 2025

We checked these sources on 17 October 2026. Fees and rewards change often. Spotted something out of date? Report a correction and we'll check it within two working days.