Fold Bitcoin Credit Card
by Fold
- Monthly fee
- Free
- Card fee
- Free
- Top-up fee
- Not listed
- ID check
- Full KYC
- Card
- Virtual + physical
- Phone pay
- Apple Pay, Google Pay
Our verdict
The Fold Bitcoin Credit Card is a strong choice for building credit while collecting Bitcoin. It pays a 1.5% base reward, with bonuses that can lift the total to 4%.
What we like
- +No annual fee on the credit line
- +Bitcoin rewards of up to 4%
- +Reports to credit bureaus to build history
- +Extra 0.5% for paying the statement in Bitcoin
- +Uncapped 1.5% base reward on eligible purchases
Watch out for
- −Hard credit check for approval
- −Paying the statement in Bitcoin is a taxable event
- −30-day lock on rewards
- −Rewards account capped at $10,000
- −High variable APR of up to 29.49%
6.6/10
Editor score
Fair
6.8/10
User rating
Based on 44 sources
Lv 4
KYC Level
Full KYC
Regional
Availability
1 countries
Card Overview
Rewards
- Cashback
- 1.5%
- Cashback Crypto
- BTC
- Staking Rewards
- —
- Staking APR
- —
- Welcome Bonus
- —
- Referral Bonus
- —
Fees
- Monthly Fee
- Free
- Card Issuance
- Free
- ATM Fee
- —
- FX Fee
- —
- Top-up Fee
- —
- Decline Fee
- —
Limits
- Daily Spend
- Unlimited
- Monthly Spend
- Unlimited
- ATM Withdrawal
- Unlimited
Card Info
- Card Type
- Physical Card, Virtual Card
- Card Network
- Visa
- Apple Pay
- Google Pay
KYC Requirements
Level: Full KYC
- ✓Email verificationRequired
- ✓Phone verificationRequired
- ✓Identity documentRequired
- ✓Proof of addressRequired
- ✓Selfie verificationRequired
Community Sentiment
Community Score
6.8/10
Sourced from
Opinion on Fold's card is mixed across Reddit, YouTube, app stores and financial media. Bitcoin-focused users like stacking sats on everyday spending and bill payments, including the now-limited PayPal Bill Pay route, the redesigned app's neobank feel and generally responsive support on issues like failed gift card redemptions. Repeated criticism covers a steady fall in base rewards to about 1 to 1.5%, a top 4% tier that realistically needs $6,000+ of monthly Bitcoin purchases, a 20.49% to 29.49% variable APR on carried balances, hidden spreads on supposedly zero-fee Bitcoin purchases, and KYC and underwriting friction tied to Celtic Bank. Coverage of Fold's Nasdaq listing and debt restructuring reads more favourably than consumer reviews of the card itself.
Category Breakdown
Features
Supported Cryptocurrencies
Networks: Bitcoin
Frequently asked questions
Does the Fold Bitcoin Credit Card require KYC?
Yes. Fold asks for full kyc before issuing the card. Full verification: ID document, proof of address and a selfie or liveness check.
What fees does the Fold Bitcoin Credit Card charge?
The card has a monthly fee of free, an issuance fee of free. See the fee table above for ATM and decline fees.
Does the Fold Bitcoin Credit Card work with Apple Pay and Google Pay?
Apple Pay is supported and Google Pay is supported, according to the issuer.
Which countries can get the Fold Bitcoin Credit Card?
It is available in United States.
Which cryptocurrencies does the Fold Bitcoin Credit Card support?
BTC.
Last updated August 19, 2026, verified August 6, 2026.