Fold Bitcoin Credit Card
Issued by Fold on the Visa network
- KYC required
- 4% cashback
- Custodial
- Physical
A no-annual-fee Visa credit card issued by Celtic Bank that pays 1.5% back in bitcoin on eligible net purchases, with bonuses that can lift the total to a stated maximum of 4%.
Verdict
The Fold Bitcoin Credit Card is a Visa credit card issued by Celtic Bank that pays every reward in bitcoin. Fold's page states a 1.5% base rate on eligible net purchases with no cap, plus up to 0.5% extra for paying your statement in bitcoin and up to 2% extra on the first $2,000 of monthly spend through Direct-to-Bitcoin or Auto-Stack activity, for a stated maximum of 4%. The 4% headline is therefore a ceiling that requires extra behaviour, and the everyday rate is 1.5%. There is no annual fee, but a variable APR applies (rates are not shown on the page), approval requires a credit check, and reward balances above $10,000 must be withdrawn to keep earning.
- Best for: US credit-qualified spenders who want their everyday rewards paid in bitcoin and will use Fold's Auto-Stack or Direct-to-Bitcoin features to earn the bonuses
- Less suited to: Anyone who wants to spend crypto directly, who will carry a balance, or who is outside the United States
At a glance
- Visa credit card issued by Celtic Bank; no annual fee
- 1.5% back in bitcoin on eligible net purchases, uncapped
- Up to 0.5% extra for paying your statement in bitcoin and up to 2% extra on the first $2,000 of monthly Direct-to-Bitcoin or Auto-Stack activity — a stated 4% maximum
- Physical card with instant provisioning to Apple Pay and Google Pay
- Rewards accounts are capped at $10,000; larger balances must be withdrawn to keep earning
Who can get it
Applicants are subject to a credit check and must meet lending criteria. Fold's page does not list eligible countries or states; the issuer is a US bank and the product is described in US terms, so confirm eligibility in the Fold app before applying.
How it works
- Apply in the Fold app; approval depends on a credit check and lending criteria.
- Spend on the Visa card — eligible net purchases earn 1.5% back in bitcoin.
- Optionally pay your statement in bitcoin and use Direct-to-Bitcoin or Auto-Stack to unlock bonus rewards, up to 4% in total.
Strengths and trade-offs
Strengths
- Uncapped 1.5% base rewards in bitcoin
- A stated ceiling of 4% for users who use the bonus features
- No annual fee
- Apple Pay and Google Pay provisioning
Trade-offs
- The 4% headline requires bonus behaviour; the everyday rate is 1.5%
- Credit check and a variable APR apply — revolving a balance will outweigh rewards
- Rewards balances above $10,000 stop earning until withdrawn
- Foreign transaction fee is not stated on the page we checked
- Rewards are in bitcoin only, so their value moves with BTC
| Issuer | Fold |
|---|---|
| Card network | Visa |
| Card type | Physical |
| KYC requirement | Credit application — subject to a credit check and lending criteria |
| Cashback | 1.5% back in bitcoin with no cap, up to 4% with bonuses; paid entirely in bitcoin |
| Annual fee | No annual fee (other fees for late or returned payments may apply) |
| Custody model | Custodial |
| Supported assets | BTC (rewards) |
Every figure above was checked against Fold's own card page on 2026-09-25. Terms, fees and rewards change frequently — confirm current details directly with the issuer before applying. We publish no star ratings of our own and take no payment for placement. This is not financial advice.
Common questions about the Fold Bitcoin Credit Card
What rewards does the Fold Bitcoin Credit Card pay?
Fold states 1.5% back in bitcoin on eligible net purchases with no cap, up to 0.5% extra for paying your statement in bitcoin, and up to 2% extra on the first $2,000 of monthly Direct-to-Bitcoin or Auto-Stack activity, for a maximum of 4%.
Who issues the card?
Celtic Bank issues the credit card, on the Visa network. Fold's separate prepaid debit card is issued by Sutton Bank.
Is there an annual fee?
No. Fold states there is no annual fee, though fees for returned and late payments may apply. A variable APR based on creditworthiness applies.
Is there a rewards cap?
The 1.5% base is uncapped. Rewards account balances are capped at $10,000, and balances approaching that must be withdrawn to keep earning.
Is the Fold card available outside the US?
Fold's page does not list eligible countries. The issuer is a US bank, so confirm availability in the Fold app.
New to crypto cards? Read what is a crypto card? for how custodial cards like this one actually work.