Bank, spend, and earn bitcoin. All in one app.

Spend with the debit or credit card, pay bills, buy gift cards, or purchase bitcoin directly.

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An $82.56 Instacart purchase earning 4,906 sats in bitcoin rewards

Banking that earns bitcoin. Simple as that.

DEBIT CARD

Earn bitcoin on every purchase

Use the Fold Visa debit card anywhere Visa is accepted. Earn bitcoin on every purchase, bill payment, and direct deposit automatically. No trading. No extra steps.

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Fold app notification: payment made in bitcoin earns an extra 0.5% back this month

CREDIT CARD

Unlock up to 4%* back in bitcoin on every swipe

The Fold bitcoin credit card turns everyday spending into a growing bitcoin stack. Flat-rate rewards, no rotating categories, no confusing rules. All managed in the Fold app.

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The Fold bitcoin credit cards

GIFT CARDS

Stack boosted rewards on your favorite brands

Shop Amazon, DoorDash, Airbnb, Uber, Instacart, and hundreds more. Get higher bitcoin rewards than a standard card swipe, instantly delivered inside the app.

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Brand gift cards with boosted sats-back rates in the Fold app

BITCOIN

Build your bitcoin stack

Buy bitcoin directly in the Fold app. Set up automatic recurring purchases, round up spare change, and hold it securely with $250M+ in institutional insurance through BitGo.

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Bitcoin balance of $110,732.85 with a rising price chart in the Fold app

Everything your money should be doing.

Spend, save, give, and grow. All while earning bitcoin.

Fold users have earned 72,414,810,805 satssince launching in 2019

That’s $83,264,702.07 in savings protected from inflation.

72 billion sats earned. Real people. Real results.

From longtime bitcoiners to people who had never bought bitcoin before downloading Fold.

$3.1BTransactions processed
$83MBitcoin rewards distributed
72B+Sats earned by members
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Fold app reviews

  • Matt Luongo
    “Just paid for snacks at AMC with Fold and got 5% back! Very cool”
  • iphoneusrNY
    “The support team handled my issues very well with prompt response. I am able to continue using [Fold], taking advantage of all the benefits it provides, and on top of that the support I received was an extra bonus.”
  • Vint__age
    “Very nice the new app. Much simpler to see my info. Feels less busy... and thank you for finally adding search”
  • Big "Book" Werm
    “Initially, I was skeptical about the app. However, a mantra I recently adopted was 'Don't Trust, Verify...' I started with a low amount to 'pay myself', fund my account and tinker with the options available. Over time I started depositing more and more money to pay myself and get Satoshis as a reward. I'll continue to increase my deposits, pay more bills and spend at the vendors they work with for even more rewards. Give it a try.”
  • D H
    “Honestly pretty dope for just general banking in general. Continue to build out a pretty solid system with added features pretty often. I submitted a critique that they should add push requests for sending money to another bank, next time I try I find out that's been added? ...feels cool to see the developers continue to add functionality.”
  • Jolly1575
    “Been using their card and app for a few months now. Everything works great. Like how it is a debit card instead of a credit card. Using gift card purchases on places I buy from anyway to increase Satoshi rewards further in addition to regular purchases. Daily wheel is also a nice fun perk. Needed customer support a few times and always had a quick friendly response that solved any issue.”
  • Visa-backed
  • Bitcoin secured by BitGo
  • Available in the U.S.

Start earning bitcoin on what you already spend.

Download the Fold app, set up your account, and use your card like normal. Your bitcoin balance takes care of itself.