find what's right for you

Plans tailored for you¹

Premium

Spending rewards on all purchases

Up to 100% back

WEEKLY extra spins

3

Limited Edition gold foil card
spin timer

24 hrs

boosted merchant offers
Free upgrade to fold Credit Card
Get Premium

Intro

Spending rewards on all purchases

Up to 25% back

WEEKLY extra spins

1

Limited Edition gold foil card
spin timer

1 hr

boosted merchant offers
Free upgrade to fold Credit Card
Get intro

Premium

Intro

Annual fee⁸
$150 / year
Payable in advance at registration and on subsequent anniversary dates thereafter.
$0
Activation Fee
$0
$21
Each Purchase Activates a Spin on the Spin Wheel Sweepstakes³
Premium Wheel
Intro Wheel
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
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 FEE 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
Replacement Card Fee (Standard Shipping)¹¹
$5
$5
Replacement Card Fee (Expedited Shipping)
$35
$35
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