find what's right for you

Plans tailored for you¹

Premium

Bitcoin sign-up bonus²

$50

annual high-yield on rewards³

10%

Average award rate on purchases⁴

3%

Access to Fold+ Member Pricing for Gift Cards⁵
Fold+ Member Pricing Boost on Amazon Gift Cards⁶

5%
Up to $500 a month

Each Purchase Activates a Spin on the Spin Wheel⁷
Sample Prizes:
2x Deposit Match
2x Savings Match
1 Full Bitcoin
2% Spending Boost
10% Category Boost
.
Get Premium

Intro

Bitcoin sign-up bonus²

$0

annual high-yield on rewards³

2%

Average award rate on purchases⁴

1%

Access to Fold+ Member Pricing for Gift Cards⁵
Fold+ Member Pricing Boost on Amazon Gift Cards⁶

5%
Up to $250 a month

Each Purchase Activates a Spin on the Spin Wheel⁷
Sample Prizes:
1x Deposit Match
1x Savings Match
1 Full Bitcoin
1% Spending Boost
5% Category Boost
.
Get intro

Premium

Intro

Annual fee⁸
$150 / year
Payable in advance at registration and on subsequent anniversary dates thereafter.
$0
Activation Fee
$0
$21
Bitcoin Sign Up Bonus²
$50
$0
Each Purchase Activates a Spin on the Spin Wheel Sweepstakes³
Premium Wheel
Intro Wheel
Average Reward Rate⁴
3%
1%
Annual High Yield Rewards⁵
10%
2%
Access to Fold+ Member Pricing⁶ for Gift Cards
Yes
Yes
Fold+ Member Pricing Boost on Amazon Gift Cards⁷
5%
Up to $500 per month
5%
Up to $250 per month
Direct Deposit Fee
$0
$0
Physical Cash In-Store Deposit Fee
$3.95
You may also be charged a fee by the ATM Operator.
$3.95
You may also be charged a fee by the ATM Operator.
ATM Withdrawal In-Network
$0
$0
ATM Withdrawal Out-of-Network
$3.50
$3.50
Over the Counter Cash Withdrawal
$2.00
You may also be charged a fee by the ATM Operator.
$2.00
You may also be charged a fee by the ATM Operator.
Cash Back at Point of Sale
1% of the cash back
1% of the cash back
ATM Balance Inquiry
$0
$0
ATM Decline In-Network
$0
$0
ATM Decline Out-of-Network⁹
$1
$1
Inactivity Fee¹⁰
$0
$0
Replacement Card Fee (Standard Shipping)¹¹
$5
$5
Replacement Card Fee (Expedited Shipping)
$35
$35
Outgoing ACH Fee¹²
0%
0.5%
Automated Customer Service Fee
$0
$0
Live Agent Customer Service Fee
$0
$0
Check Disbursement Fee
$5.95
$5.95
International Transaction¹³
3%
3%
International ATM Withdrawal¹⁴
$2.50
$2.50
International ATM Balance Inquiry¹⁵
$1
$1