The first bitcoin rewards card¹

Earn bitcoin on everything.

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3%
Avg. Spin Rewards on Purchases²
5%
Amazon Rewards³
1 bitcoin
Chance to win on every purchase⁶
Did you know?

$100 of bitcoin ten years ago is worth $10,000,000 today.⁷

That’s not a typo. Ditch your miles and points and get rewarded with the best performing asset of the last decade.
Exciting rewards

Swipe the card. Spin the Wheel.
Win every time.

Seriously, you cannot lose. Get one of these prizes every time you use the card and spin the wheel -- prizes rotate frequently!
Check out the spin wheels to see what else you can win.⁶
Premium spin wheel
intro spin wheel
2% Spending Boost
Earn 2% back on your previous order!
10% Category Boost
Get 10% bonus on a revolving category!
1 Bitcoin Bonus
Win up to a full bitcoin (~$35,000)!
2x Savings Match
We’ll 2x your savings in sats!
2x Deposit Match
We’ll 2x your direct deposit in sats!
100x Referrals Match
Get 100 sats for every referral you’ve made!
2% Fold Gift Card Boost
Get an extra 2% back on your next gift card purchase!
1000 Sats Bonus
1000 sats instantly added to your account!
high yield rewards

Rewards that grow

All rewards earned on Fold will earn a high yield 10% bonus annually.³ Watch as your rewards grow right before your eyes!
merchant boosts

Supercharge your rewards

Get access to unparalleled deals at select merchants⁸, including:
Amazon³ 5%
Doordash 8%
Uber 3%
Starbucks 3%
Lowes 4%
Domino's 9%
REI 7%
Nike 6%
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
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. 
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About Us
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Fold Visa® Prepaid Card is issued by Sutton Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc.

1. "Rewards" are credited as bitcoin rewards in our Rewards program. For full terms and conditions of our rewards program, see the Terms of our Rewards Program and the Fold Visa Prepaid Card Rewards Addendum.

2. The "Average Reward Rate" is calculated at the beginning of each sweepstakes period by dividing the expected value of earnable Rewards on Qualifying Purchases by all cardholders by the expected value of Qualifying Purchases by all cardholders.

The actual reward rate you earn may vary from the Average Reward Rate listed. Your actual Rewards will vary, depending on several factors, including (i) events that are in your control, such as the frequency with which you spin the wheel, (ii) events outside of your control, such as what Rewards you win, (iii) how much your actions align with a prize when won, such as the amount of your deposits if you win the 2x Deposit Bonus, and (iv) events outside of our control, such as the price of bitcoin at the time the reward is won.

In the event the Average Reward Rate is higher than the rate posted here, we will not notify you or update these Terms.

Upon a Qualifying Purchase (as defined below), you should receive a push notification from the mobile App (if you have opted in to receiving such alerts). Within five minutes of the authorization of the Qualifying Purchase, must click a button to enter into a monthly Intro Tier Spin Wheel Sweepstakes or Premium Tier Spin Wheel Sweepstakes, as applicable.  No Purchase Necessary.  For Full terms and conditions, see the current Terms of Spinwheel Sweepstakes - Post-Purchase Spinwheel.

“Qualifying Purchases” are signature credit purchases, PIN debit purchases, or (after December 11, 2020) outgoing ACH payments or transfers to a third party. Qualifying Purchases do not include any other payment or transfer, including incoming transactions, outgoing transactions where you are the receiving party, peer to peer transactions, ATM transactions, fees, chargebacks, adjustments, or wire transfers.

Your Rewards will initially be calculated based on the authorized amount of a given transaction.  However, the total Rewards will be calculated off the final, settled amount of a transaction, not the authorized amount.  Your rewards will be further adjusted by any chargebacks, refunds, adjustments on the Qualifying Purchase, if applicable.

You are not guaranteed any Rewards. We expect to update the Spinwheel Bonus, including the prizes included and the odds of winning the prizes, frequently.  Fold reserves the right to change the Average Reward Rate, the current sweepstakes Terms and Conditions, including the prizes, or to terminate the Spinwheel Sweepstakes in its entirety, at any time.

3. For Rewards on Amazon.com gift cards purchased in the Fold App. Limit $250 per month for Intro Tier cardholders and $500 per month for Premium Tier cardholders, as part of the Fold+ Membership. Thereafter, cardholders receive the Fold+ Rewards rate on Amazon.com gift cards. See the Fold+ Membership Terms and Conditions for more details.

4. Within 30 days of each anniversary of the account, assuming you have paid all annual fees and/or you has an active account, as applicable, you will receive an additional Rewards equal to the High Yield Rewards Rate applicable to your card multiplied by the amount of earned and unwithdrawn Rewards during the prior twelve month period.

5. You are eligible to receive the Sign-up Bonus at the conversion rate in effect on the day you register your card.  During the first year after registering for your physical card, one-twelfth of the Sign-up Bonus will be earned each month you have at least $500 of deposits.  For a month where your direct deposits are less than $500, one-twelfth of the Sign-up Bonus is forfeited.

6. Purchases must be Qualifying Purchases, and you must enter the Intro Tier Spin Wheel Sweepstakes or Premium Tier Spin Wheel Sweepstakes, in order to have a chance to win. You may enter by clicking the spinwheel button within five minutes of the authorization of the Qualifying Purchase, as applicable.  No Purchase Necessary.  For Full terms and conditions, see the current Terms of Spinwheel Sweepstakes - Intro Tier and Terms of Spinwheel Sweepstakes - Premium Tier.

7. Accurate as of Oct. 24, 2020, see https://99bitcoins.com/bitcoin/historical-price/.

8. As a Fold Visa Prepaid Debit Card holder, you receive a free membership to Fold+. Fold+ Membership provides access to Fold’s best discounts on gift cards sold in the Fold Discount Marketplace.  The Fold+ Membership, including the discounts available on gift cards and the gift cards offered, is subject to change.   See the Fold+ Membership Terms and Conditions for more details. As part of your Fold+ membership, you will receive monthly communications from us which include access to additional discounts on Amazon.com gift cards.   The Fold+ Membership Boost, brand, rates, and limits offered, is subject to change.   See the Fold+ Membership Terms and Conditions for more details.