Fold Card
by Sutton Bank
The Fold Card is a Visa Prepaid Debit Card. Bitcoin rewards are denominated in 'sats' and recorded as a general unsecured commercial obligation of Fold Holdings, rather than being held in a financial account. A separate Fold Bitcoin Credit Card exists but has a waitlist. The Fold+ subscription ($100 annually) removes several standard costs by dropping the $3.50 ATM withdrawal fee, the $3.00 foreign transaction fee, and the $5.00 replacement card fee. It also eliminates the 1.5% fee for instant Bitcoin buys and the 1.0% fees typically charged for recurring "Auto-Stacks," "Round-Ups," and "Push to Card" sell transactions. Additionally, the subscription unlocks several premium reward tiers and features.
Unique Features
- Direct to Bitcoin (allocate % of deposits to BTC)
- Spinwheel gamified rewards
- Gold Foil physical card for Fold+ members
Pros
- Earn Bitcoin on Bill Pay (up to 1.5% for Fold+)
- No ATM or Foreign Transaction fees for Fold+
- High reward rates on Gift Cards (up to 20%)
- Daily spins for bonus Bitcoin
Cons
- High withdrawal threshold (50,000 sats)
- 30-day pending period for rewards
- Bitcoin is not FDIC insured
- Inactivity fee/reduction of rewards after 12 months
Integrations & Tech
Available In (1)
Tier Comparison
Standard
0.5% CashbackFee Structure
ATM Capabilities
Detailed Fee Structure
$3.50 standard, $0 for Fold+ members
Detailed Limits
Fee Details
Fold+ membership is $10/month or $100/year. Fold+ waives ATM fees, Foreign Transaction fees, and fees for Bitcoin buying/push-to-card/auto-stack transactions which otherwise cost up to 1.5%. Replacement cards are $5 for standard users but free for Fold+.
Limits & Conditions
Maximum card balance is $30,000. Maximum daily load is $15,000. Standard users pay $3.50 per ATM withdrawal, while Fold+ members have $0 ATM fees.
Crypto Capabilities
Security & Custody
Supported Assets
