Fold

Fold Bitcoin Credit Card

Fold · Visa · credit · Hybrid custody

1 countryVerified 5 Sep 2026

At $1,000/month spend with no stake, Fold Bitcoin Credit Card nets +$180 a year. According to Cardefi data, 3 of 8 key figures are verified from the issuer's pages, latest 5 Sep 2026.

Open at Folddirect — pays us nothing

Cashback at your stake: 1.5%
Min. stake for rewards: None
Annual fee: $0
FX fee: 0.0%
Net value / yr: +$180
Break-even: $0

Recalculate for a stake ofSpendchanges every number on this page

Cashback and net value by stake

Stake	Tier	Cashback	Net value / yr
$0 you Standard	Standard	1.5%	+$180

How this card scores

Same arithmetic as every card in the catalogue, with this card's numbers in:

Cashback at your stake	1.5% × $12,000	+$180
Yearly fees	annual $0 + 12 × $0	−$0
FX on 25.0% of spend	0.0% × $3,000	−$0
Locked stake, 5.0% opportunity cost	$0 × 5.0%	−$0
Net value per year		+$180

Fees in full

Every figure below carries the issuer's own words. Tap a source count to read them. A dash means we looked and the issuer does not say. How these fees compare across every card.

Annual fee	$0 / year 1 source “There is no annual fee”[2] · landing · captured 5 Sep 2026
Monthly fee	n/aCredit card with no annual fee
Card issuance	— not disclosed
Foreign transaction (FX)	0.0%Reg Z disclosure table prints «None» for foreign transactions 1 source “Foreign Transaction None.”[4] · legal · captured 7 Sep 2026
Crypto conversion / spread	n/aUSD spend on a credit line
ATM withdrawal	n/aThe account cannot take cash advances, so no ATM rate exists 1 source “Note: This account may not be eligible for balance transfers or cash advances.”[4] · legal · captured 7 Sep 2026

Reward tiers, as the issuer states them

Tier	Requirement · rate · cap
Standard	1.5% · None · Cap: none · Paid in BTC · 30-day lock 1 source “Every qualifying purchase earns 1.5% back in bitcoin rewards, shown as pending at authorization, then locked for 30 days after posting before becoming withdrawable to your rewards wallet.”[2] · landing · captured 5 Sep 2026

No rewards on: ATM withdrawals, Card account fees, Interest charges, Gift card purchases and reloads, Gaming-related transactions, Payments toward card balance.

Limits

Spend per month

n/aCredit limit set by Celtic Bank

What we could not find

These figures matter for the score, and the issuer's public pages do not state them. Where we looked is listed under Sources.

Card issuance. Not disclosed.

Sources

4 pages captured and stored with a checksum. Quotes above are matched against these snapshots by script.

foldapp.com/legal/rewards-program-terms · legal · 5 Sep 2026
foldapp.com/credit-card · landing · 5 Sep 2026
api.fdic.gov/banks/institutions?filters=NAME%3A%22Celtic%20Bank%22&fields=NAME%2CCERT%2CCITY%2CSTNAME%2CACTIVE%2CWEBADDR%2CCHARTER&format=json · legal · 6 Sep 2026
foldapp.com/legal/bitcoin-rewards-card-cardholder-agreement · legal · 7 Sep 2026

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Access & funding

Regions: 1 country
KYC: full
Top-up: Autopay from Fold Checking or linked bank, Bitcoin payment
Fiat: USD
Assets: USD credit line
Form: virtual + physical
Wallets: Apple Pay, Google Pay

Risks to know

Who is behind the card

Brand / programme: Fold
Infrastructure: — not disclosed
Issuer of record: Celtic Bank (US)
Licence: FDIC · 57056
Network: Visa
Custody: Hybrid custody · none
Credit: APR 20.2%

2 sources

“The Fold Bitcoin Credit Card™ is issued by Celtic Bank, pursuant to a license from Visa U.S.A. Inc.”[2] · landing · captured 5 Sep 2026

“"NAME":"Celtic Bank"”[3] · legal · captured 6 Sep 2026

Status

Now: Live

“Stay in the loop as we expand access to the Fold Bitcoin rewards credit card.”foldapp.com · captured 5 Sep 2026

Where you can get it

US: 1 country: US

1 source

“issued by Celtic Bank, a Utah-chartered bank headquartered in Salt Lake City, Utah”foldapp.com · legal · captured 5 Sep 2026

Availability and terms by country ↓

Trust

Verified: 5 Sep 2026
Coverage: 3 of 8 key figures verified, 1 not disclosed
Confidence: A official source plus an independent one
Disclosure: public page
Source: foldapp.com
Link: direct — pays us nothing

Report a wrong figure · Formula v1.2

Availability and terms by country

One row per country with a Cardefi hub, read from the issuer's own country lists. 1 countries are listed as available in total.

Country	Status	Issuer / licence
United States	Availablechecked 5 Sep 2026	Celtic Bank

Questions about this card

Answers are generated from the verified fields on this page. A question is only shown when the figure behind it has a source.

What does Fold Bitcoin Credit Card charge on foreign currency?: Fold Bitcoin Credit Card adds 0.0% on transactions in a currency other than the account currency.
Does Fold Bitcoin Credit Card charge an annual fee?: The annual fee for Fold Bitcoin Credit Card is $0.
How much cashback does Fold Bitcoin Credit Card pay?: Fold Bitcoin Credit Card pays up to 1.5%, which is the highest rate any of its tiers reaches.
Does Fold Bitcoin Credit Card work with Apple Pay or Google Pay?: Fold Bitcoin Credit Card works with Apple Pay and Google Pay.
Who holds the funds behind Fold Bitcoin Credit Card?: Fold Bitcoin Credit Card runs on a credit line, so purchases are settled by the issuer and repaid afterwards rather than drawn from a balance you hold.
Does Fold Bitcoin Credit Card require identity verification?: Yes. Fold Bitcoin Credit Card requires full identity verification before the card can be used.