Earn up to 5%* back in bitcoin. No points or miles to manage.
Every purchase earns you bitcoin. Fund your Reserve and that rate climbs, up to 5% back*.
*The 5% rate requires the Fold Bitcoin Credit Card and a $100,000 Fold Reserve balance, and applies to your first $5,000 in eligible purchases each month. 1.5% back in bitcoin on eligible purchases, with no cap. Rewards are earned on your eligible spend, not on your balance. Holding a Fold Reserve balance can boost your rate on your first $5,000 in eligible purchases each calendar month. Eligible purchases above that amount, and all eligible purchases if you do not hold a qualifying Reserve balance, earn the 1.5% base rate. Credit card and debit card rewards cannot be earned at the same time. Rates are subject to change. See the Cardholder Agreement and our Terms and Conditions.
A credit card that is all-in on bitcoin.
BOOSTED RATES
Up to 5%* back in bitcoin rewards
Up to 5%* back on credit, 2.5% on debit, depending on your Reserve tier. Bitcoin back on every purchase, automatically.
TRACKABLE
See your bitcoin rewards in real time
Real‑time view of your spending and rewards in the Fold app, including pending and posted rewards, statements, and payments.
CONVENIENT
Pay your bill with bitcoin. Get more back.
Pay your bill with bitcoin and earn an extra 0.5% back on that payment, on top of the rewards you already earned from spending.
SECURE
Security you control
Instant controls in your pocket: lock and unlock your card, replace it if it’s lost or stolen, and get proactive fraud alerts.
Your money is the membership
Other cards charge a subscription for better rates. Fold just asks what you're holding. Keep a Reserve balance and every swipe earns at that tier — no monthly fee, no points math, no re-qualifying.
| Reserve balance | Reward rate**Credit card reward rate** | Monthly rewards** |
|---|---|---|
| Base rate (uncapped) | 1.50% | $75.00 |
| $15,000 | 1.75% | $87.50 |
| $25,000 | 2.00% | $100.00 |
| $50,000 | 3.00% | $150.00 |
| $75,000 | 4.00% | $200.00 |
| $100,000 | 5.00% | $250.00 |
Reserve tiers also unlock zero-fee bitcoin buys and debit rewards →
**All rewards paid in bitcoin. Monthly rewards shown assume $5,000 in monthly card spend. Boosted credit card and bill pay rates each apply to the first $5,000 in monthly spend. Reserve balance is never locked. Rates subject to change.
How it works
Step 1: Apply and start spending
Pre-filled applications for verified Fold users, quick decisions, instant provisioning to Apple Pay and Google Pay.
Credit is subject to approval. Applicants are subject to a credit check and must meet applicable lending criteria. A Fold account is required and may be subject to separate fees. Your APR is variable, based on creditworthiness, and varies with the Prime Rate. If you are charged interest, the charge will be no less than $1.00. See the Cardholder Agreement for current rates, fees, and applicable terms. Fold and Celtic Bank may report your account activity to consumer reporting agencies, and late or missed payments may appear on your credit report.
Step 2: Fund your Reserve
Set a target balance and fund it at your own pace. Your tier reflects what you've committed as your balance builds toward that target.
Step 3: Automatically earn at your tier
Every qualifying purchase earns bitcoin at your current Reserve tier rate. No manual steps, no monthly re-qualifying.
Step 4: Your Reserve balance stays yours to use
Spend it on bitcoin, gift cards, or your credit card bill whenever you want. It's never locked.
Everything your money should be doing.
Spend, save, give, and grow. All while earning bitcoin.