Fold Holdings, Inc. (Nasdaq: FLD) is a US Bitcoin-rewards financial services company founded in 2019 by Will Reeves, Matthew Luongo, and Corbin Pon. Fold completed a SPAC merger with FTAC Emerald Acquisition Corp. and began trading on Nasdaq on February 19, 2025; products include an FDIC-insured checking account and a Visa prepaid debit card with bitcoin rewards.
The Fold Card is a crypto debit card offered by Fold, available in US Only. It offers 0.5-1.5% BTC cashback across 3 reward tiers, giving users the ability to earn higher rates as they increase their commitment. The annual fee starts at $0-$100/yr.
Best suited for Bitcoin holders who want to stack sats on everyday spending. It runs on the Visa network and requires standard identity verification.
| Tier | Rate | Requirement |
|---|---|---|
| Basic | 0% | Free, spin wheel rewards only |
| Fold+ Base | 0.5% | $100/yr, all purchases |
| Fold+ Boosted | 1.5% | $100/yr, rotating categories |
Note: Unified app launched Feb 4, 2026; Feb 2026 announcement said Fold+ subscriptions would be eliminated, but pricing page still lists Fold+ at $100/yr ($10/mo) (transitional state). Free tier earns ~0.5% BTC + Spin Wheel; Fold+ earns up to 2% BTC plus 1.5% on bill pay and up to 15% at select merchants. Fold is publicly traded (NASDAQ: FLD). BitGo custody with $250M insurance.
Other crypto cards in the same region or category that may suit your spending profile:
The Fold Card is a crypto debit card offered by Fold. It is available in US Only and allows users to spend cryptocurrency at merchants worldwide.
The Fold Card offers 0.5-1.5% BTC cashback. There are 3 tiers: Basic (0%), Fold+ Base (0.5%), Fold+ Boosted (1.5%).
The Fold Card has an annual fee of $0-$100/yr. Additional fees: Conversion fee: 0% (USD-funded); FX fee: 3%; ATM: $2.50/withdrawal.
The Fold Card is available in US Only. Its availability status is "US".
The Fold Card is a debit card. You need to load cryptocurrency onto the card before making purchases.
Yes, the Fold Card supports Apple Pay and Google Pay for contactless payments.
Want to see your annual earnings? Use the ROI Calculator to estimate net cashback at your spending level.