Fold Bitcoin Credit Card
Fold · Visa · credit · Hybrid custody
At $1,000/month spend with no stake, Fold Bitcoin Credit Card nets +$150 a year. According to Cardefi data, 2 of 8 key figures are verified from the issuer's pages, latest 5 Sep 2026.
- Cashback at your stake
- 1.5%
- Min. stake for rewards
- None
- Annual fee
- $0
- FX fee
- —
- Net value / yr
- +$150 at $1,000/mo spend
- Break-even
- $0 yearly spend to cover fees
Cashback and net value by stake
| Stake | Tier | Cashback | Net value / yr |
|---|---|---|---|
| $0 you Standard | Standard | 1.5% | +$150 |
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 | 1.0% assumed × $3,000 | −$30 |
| Locked stake, 5.0% opportunity cost | $0 × 5.0% | −$0 |
| Net value per year | +$150 |
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 / year1 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) | — not disclosedNot stated on the captured pages |
| Crypto conversion / spread | n/aUSD spend on a credit line |
| ATM withdrawal | — not disclosedCash advance: not stated |
Reward tiers, as the issuer states them
| Tier | Requirement · rate · cap |
|---|---|
| Standard | 1.5% · None · Cap: none · Paid in BTC · 30-day lock1 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.
- Foreign transaction (FX). Not stated on the captured pages
- ATM withdrawal. Cash advance: not stated
Sources
3 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
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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.
- 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.