Quick Summary
Key Features
- 1.5% back in bitcoin on every purchase, no cap; up to 5% on first $5,000/mo with $100,000 Fold Reserve balance
- Pay your bill in bitcoin for an extra 0.5% back; no annual fee, no foreign transaction fee
- Accepted at 175M+ Visa merchants globally; real-time rewards tracking in the Fold app
- Instant lock/unlock, fraud alerts, card controls in-app
Main Advantages
- 1.5% cashback on eligible spend
- Free virtual card issuance
- Both virtual and physical card options
Notable Limitations
- Availability limited to a small number of regions
- Terms change often — the provider's live numbers are final
The cards
Every format Fold issues — pick the one that fits how you spend.
1Can I get this card?
Supported Countries Map — powered by our availability data.
Fold: Reported in 1 country across 1 region (United States).
Coverage reported by the provider — the exact applicant list is confirmed in-app.
2What does it cost?
Every fee we could verify for the Fold card.
Fees verified October 13, 2026 from public web sources. Fees change often — always confirm the app's live numbers before signing up. This page is for information only, not financial advice.
| Fee | Fold Virtual | Fold Physical |
|---|---|---|
| Issuance fee | $0 | $0 |
| Monthly fee | $0 | $0 |
| FX fee | Varies by region — confirm in-app | Varies by region — confirm in-app |
3What do I get?
Perks, rewards and capabilities that come with the card.
| Category | Benefit |
|---|---|
| Rewards | 1.5% cashback on eligible spend |
| Rewards | 1.5% back in bitcoin on every purchase, no cap; up to 5% on first $5,000/mo with $100,000 Fold Reserve balance |
| Rewards | Pay your bill in bitcoin for an extra 0.5% back; no annual fee, no foreign transaction fee |
| Rewards | Accepted at 175M+ Visa merchants globally; real-time rewards tracking in the Fold app |
| Security & controls | Instant lock/unlock, fraud alerts, card controls in-app |
| Rewards | Fold Holdings, Inc. is NASDAQ-listed (FLD); rewards locked 30 days |
4What do they need from me?
What you will have to provide or meet to get and use the card.
| Requirement | What it means |
|---|---|
| Identity check | ID verification required — verify your identity in the app before ordering |
| Funding | You will need a way to load the card: Bank account / Fold Reserve funding (credit card product) |
| Age | You must be 18 or older to apply |
Card specs
| Feature | Fold |
|---|---|
| Virtual card issuance | $0 |
| Monthly / annual fee | $0 |
| Card network | Visa |
| Card type | Virtual + Physical |
| KYC | ID verification required |
| Top-up methods | Bank account / Fold Reserve funding (credit card product) |
| Supported assets | BTC |
| Regions | United States |
Rating breakdown
Pros & cons
Pros
- 1.5% back in bitcoin on every purchase, no cap; up to 5% on first $5,000/mo with $100,000 Fold Reserve balance
- Pay your bill in bitcoin for an extra 0.5% back; no annual fee, no foreign transaction fee
- Accepted at 175M+ Visa merchants globally; real-time rewards tracking in the Fold app
- Instant lock/unlock, fraud alerts, card controls in-app
Cons
- Availability varies by region — confirm in-app
- Fees may change — check live numbers
Frequently asked questions
How much does the Fold virtual card cost?
The virtual card issuance fee is listed as $0. No annual fee; physical cards now shipping to approved holders. Fees change often — confirm in the app.
Which countries support Fold?
Fold is available in: United States. US only; issued by Celtic Bank on the Visa network, powered by Stripe Issuing.
Does Fold require KYC?
ID verification is required for this platform based on our research. Requirements can vary by region — check the app for your country.
What can I top up the Fold card with?
Supported top-up methods: Bank account / Fold Reserve funding (credit card product).
Our verdict
Fold scores 7.0/10 in our rating system. Visa credit card paying 1.5–5% back in bitcoin with zero annual and zero foreign transaction fees.
Get the Fold card
Apply directly with the provider — check current fees and availability for your country in their app.
Visit Fold's official site →Fees verified October 13, 2026. Always confirm live numbers in-app.