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Fold is your gateway to earning, buying, and living on bitcoin. Earn bitcoin rewards with every purchase using our prepaid debit card. We are the cheapest place to buy bitcoin and only place to get bitcoin back on bill payments.

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Fold is your gateway to earning, buying, and living on bitcoin. Earn bitcoin rewards with every purchase using our prepaid debit card. We are the cheapest place to buy bitcoin and only place to get bitcoin back on bill payments.

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Fold, Inc. is a financial services platform, not an FDIC-insured bank. Fold Holdings, Inc. (Nasdaq: FLD) is its publicly traded parent company. Nothing on this site constitutes investment, tax, legal, or financial advice. By using Fold’s services or platform, you agree to be bound by our Terms and Conditions and Privacy Policy available here.

*The Fold Bitcoin Credit Card™ is issued by Celtic Bank, pursuant to a license from Visa U.S.A. Inc. Credit subject to approval. Applicants are subject to a credit check and must meet specific lending criteria. There is no annual fee; other fees, including for returned and late payments, may apply. A Fold account is required and may be subject to separate fees; see foldapp.com for details. A variable APR applies based on creditworthiness and the Prime Rate; a penalty APR may apply for late payment. See the Credit Cardholder Agreement for rates, fee details, and applicable terms. Rewards are provided by Fold, not Celtic Bank. Fold and/or Celtic Bank may report your account activity to consumer reporting agencies; late or missed payments may be reflected in your credit report. All cardholders earn 1.5% back in bitcoin on eligible net purchases with no cap. You can earn additional rewards on your first $2,000 in monthly purchases by setting up recurring bitcoin purchases (DCA) or Direct-to-Bitcoin transfers through Fold, and an additional bonus up to 0.5% when you pay your statement using bitcoin held in your Fold account, for a maximum potential rate of 4%. Bonus categories, earning rates, and offer availability are subject to change and may be capped or limited in duration. Rewards are paid in bitcoin. Bitcoin value fluctuates and your rewards may be worth more or less at redemption than when earned. See Credit Cardholder Agreement and Rewards Program Terms for details, including subject terms, earning exclusions, limitations, and tier requirements.

The Fold Prepaid Debit Card is issued by Sutton Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc. Up to $250,000 of your balance may be covered by FDIC insurance on a pass-through basis through Sutton Bank; certain conditions must be satisfied for pass-through coverage to apply. See the Prepaid Debit Cardholder Agreement for rates, fee details, and applicable terms.

Rewards accounts and bitcoin are not FDIC- or SIPC-insured and may lose value. The value of bitcoin is volatile; you could lose some or all of your holdings or rewards. Past performance is not indicative of future results. Fold does not guarantee any particular outcome. Bitcoin custody and exchange services are provided by BitGo. See the Fold Terms and Conditions and BitGo Terms of Use.

Visa is a registered trademark of Visa U.S.A. Inc. All other trademarks and service marks belong to their respective owners. © 2026 Fold, Inc. All rights reserved.

For support inquiries, please contact Fold at support@foldapp.com or 2942 North 24th Street, Suite 115, #42035, Phoenix, Arizona 85016.

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