The bitcoin rewards APP

Earn bitcoin on everything.

Win up to 100% back on your purchases
or 1 whole bitcoin.†
as featured in
Did you know?

$100 of bitcoin ten years ago is worth $10,000,000 today.

That’s not a typo.‡ Ditch your miles and points and get rewarded with the best performing asset of the last decade.
swipe. spin. win.

Bitcoin every time you spend

After each purchase, you spin to win up to 100% back or 1 bitcoin. It's that easy!†

Spin on every swipe

You’re a winner every time.†
Earning has never been so fun.

Power up your gains

Don’t like your prize? Spin again with an Extra Spin. More spin types (bill, flat rates, and super spins) coming later this year.**

Keep things fresh

The wheel changes frequently so you’ll never get bored.
Check out our wheel updates.
rewards that grow

Have fun getting rich

User rewards have increased 50% since the Fold card was introduced. With Bitcoin's NgU technology, watch as your rewards grow right before your eyes!††
merchant boosts

Supercharge your rewards

Get access to unparalleled deals at select merchants‡‡, including:
Amazon*** 5%
Doordash 7%
Uber 3%
Starbucks 3%
Lowes 3%
Domino's 7%
REI 7%
worry-free debit

Financial fun, not financial stress

Be rewarded for good financial behaviors. No more debt payments, credit checks or interest payments.
how it works

Start earning bitcoin in minutes.

Load your card
Direct deposit or ach transfer USD directly into your account.
Spend your cash
Pay anywhere Visa is accepted in person or online with the card, or checkout straight from Apple Pay or Google Pay.
Get your rewards
Earn up to a full bitcoin on every purchase and watch as your bitcoin reward balance grows!
find what's right for you

Plans tailored for you

Premium

$150

/year
Maximize your bitcoin rewards!
learn more

Intro

$0

/year
Try out Fold and start earning bitcoin!
learn more

“I’ve watched the Fold team design, build, and ship bitcoin payment experiences that preserve user privacy and use core innovations like the lightning network, and could not imagine a better partner in building a bitcoin-first payments ecosystem.”

Meltem DeMirrors

Chief Strategy Officer
Coinshares

“Fold is helping Bitcoin evolve from a store of value to a usable, superior currency. Merchants avoid processing fees and settle instantly. Patrons get cashback on everything. BTC Only will be the new Cash Only sign at checkout."

Brian Murray

managing director,
Craft Ventures

"This is what I have been waiting for my entire life! Excited to use @fold_app for everything. 🛒

Great way to onboard people to Lightning. ⚡️ "

Desiree Dickerson

Head of Operations,
Lightning Labs

Freequently Asked Questions

We're here to help

What is the Fold Card?

The Fold Card is the best way to earn bitcoin every time you spend.  Fold Card rewards make spending fun, and you're earning the fastest appreciating asset in the last decade.

What kind of card is the Fold Card?

The Fold Card is a Visa general purpose reloadable prepaid debit card backed by Sutton Bank. With the Fold Card, you get an account number and a routing number from Sutton Bank, just like a checking account.

Where can I use the Fold Card?

Your Fold Card can be used anywhere Visa debit cards are accepted – online, in stores, and over the phone. Currently, the Fold Card is only available in the United States. But stay tuned! We hope to add additional countries in the future.

What rewards will I earn with the Fold Card?

Fold Card rewards are awarded in satoshis, a unit of bitcoin (like cents are for dollars).  You earn rewards in lots of ways, including spinning our spinwheel after each purchase. Take a look at our current spinwheel.

How do I sign up for a Fold Card?

The Fold Card is currently in invite-only beta.  Join the waitlist to get an invite to the early access group!  Refer others to the waitlist to move up the list and to be able to sign up for your own Fold card sooner.

What are the requirements to get a Fold Card?

Signing up for a Fold Card does not require a credit check. Currently, the Fold Card is only available to US residents.

To activate the Card Account, you will be required to provide your name, street address, date of birth and other information that will allow us to identify you. We must collect this information in accordance with The USA PATRIOT Act, a Federal law that requires all financial institutions and their third-party service providers to obtain, verify and record information that identifies each person who opens a Card Account.

How do I fund my Fold Card?

You fund your Fold Card by transferring money from an existing personal bank account or by getting your paycheck straight on the Fold Card through direct deposit.

What fees are associated with the Fold Card?

Fold will not charge you hidden bank fees associated with your account! Click here to see our full list of fees.

How long does it take to get my Fold Card?

Good news! You can start using your virtual card immediately.  This allows you to shop online.  You may also add your card to your Apple Wallet or Google Wallet, to shop in-store wherever those are accepted.
You will receive your physical card typically within two weeks.

Want to hear a bitcoin joke?

Good for you.  Here’s a bitcoin joke:  How dow do you describe a bitcoiner who got paid to take a college entrance exam on the weekend? They sat for the SAT for sats on Sat. - Josh, actual Fold User

At Fold, we may not be the best at jokes.  But we’re great at answering your questions.  We hope we find the answer you’re looking for on our full FAQs