可申请地区
支持申请或可正常开卡使用
1条
- 证据来源
- 官方支持
- 更新时间
- 2026/07/26

最近更新:2026/09/15
Fold Debit Card 是 Fold 面向美国用户提供的比特币奖励型 Visa 预付卡,由 Sutton Bank 发行。用户先向卡片账户存入美元,也可以将 Fold 中持有的 BTC 卖出为美元后消费。产品不提供信用额度,主要覆盖日常 Visa 消费、ATM 取现、ACH 账单支付及比特币奖励场景,并提供免费 Fold 会员和付费 Fold+ 会员两套权益。
Fold Prepaid Debit Card 使用预存美元余额付款,并不直接从传统支票或储蓄账户扣款。用户可以通过 ACH、工资 Direct Deposit、外部银行转账或即时借记卡充值加入资金,也可把 Fold 中的 BTC 出售为美元后加入卡片余额。首次申请目前直接邮寄实体卡,官方不会同时签发普通虚拟卡;临时虚拟卡主要提供给等待实体补卡的现有用户,有效期两个月。免费 Fold 会员主要获得基础账户和卡片功能,Fold+ 则通过月费或年费换取 BTC 消费返还、Card Boost、ATM 费用减免和国际交易费减免。
这张卡片暂时没有可展示的使用规模数据。数据补充后会在这里显示。
比较不同卡片形态与等级的真实费用记录
F Fold Prepaid Debit Card | |
|---|---|
| 卡片类型 | 实体卡 |
| 费用 | |
| 月费 | 免费 基础卡免费;Fold+ 会员 10 美元/月 |
| 开卡费 | 免费 首次免费 |
| ATM 取现费 | 3.5 USD 每笔 3.5 美元;Fold+ 会员免费;ATM 方可另收费 |
| 货币转换费 | 3 USD 境外商户交易每笔 3 美元;Fold+ 会员免费 |
| 充值费 | 1.5% ACH 充值免费;即时充值收取 1.5%,最高 25 美元 |
| 交易失败费 | — |
| 奖励 | |
| 返现 | — |
| 加密货币返现 | 0.5% 消费返现 0.5% BTC;Boost 最高 15%;限 Fold+ 会员 |
| 质押奖励 | — |
| 质押年利率 | — |
| 欢迎奖金 | — |
| 推荐奖金 | 5 BTC 推荐人获 5 美元 BTC,被推荐人获 10 美元 BTC;被推荐人需首笔消费满 25 美元 |
| 限制 | |
| 每日支出限额 | 15,000 USD 每日消费总上限 |
| 每月支出限额 | 50,000 USD 每月消费总上限 |
| ATM 取款限额 | 250 USD 每笔 250 美元,每日及每月 1000 美元;受 ATM 及账户风控限制 |
| 卡片网络 |
费用可能因地区、卡片等级和官方政策变化,请以最新官方资料为准。
以下按地区申请状态整理公开资料、官方政策和用户反馈,不构成办卡建议。
支持申请或可正常开卡使用
1条
不支持或受限开户/功能
1条
资料不足,状态待确认
0条
暂无记录
我们正在持续更新中
1、中国大陆:不可申请;符合美国资格的已持卡用户可在接受境外 Visa 卡的商户消费,并可绑定微信支付、支付宝用于合资格商户付款,受钱包实名及风控规则限制。
2、香港:不可申请;符合美国资格的已持卡用户可在香港接受 Visa 的线上及线下商户使用,基础用户境外交易适用 Fold 国际交易费用,Fold+ 免该费用。
3、澳门:不可申请;符合美国资格的已持卡用户可在澳门 Visa 受理商户消费,澳门未列入 Fold 当前国际禁用地区,基础用户适用境外交易费用。
4、台湾:不可申请;符合美国资格的已持卡用户可在台湾 Visa 受理商户消费,台湾未列入 Fold 当前国际禁用地区,Fold+ 用户免 Fold 国际交易费。
开户前需完成身份验证,以下为当前核验要求与限制说明
是否需要 KYC
是
KYC 等级
完整 KYC
居住证明
不需要
驾驶执照、护照、其他政府签发身份证件
自动身份验证可快速完成,进入人工复核通常约三个工作日
Sardine
2026/08/08
查看各类支付场景的支持状态及更新时间,便于您快速了解当前可用性。i
兼容性概览
共 12 项场景支持
11项
不支持
0项
待确认
1项
数据更新时间
2026/08/08
钱包支付
更新时间 2026/08/08
钱包支付
更新时间 2026/08/08
现金服务
更新时间 2026/08/08
AI 工具
更新时间 2026/08/08
AI 工具
更新时间 2026/08/08
钱包支付
更新时间 2026/08/08
AI 工具
更新时间 2026/08/08
线下支付
更新时间 2026/08/08
线上购物
更新时间 2026/08/08
钱包支付
更新时间 2026/08/08
订阅服务
更新时间 2026/08/08
钱包支付
更新时间 2026/08/08
查看这张卡片的编辑评测、结论和最近更新时间。
暂无深度评测
这张卡片暂未发布评测;发布后会显示在这里。
经核实并发布的卡片变化记录,按发生时间排列。
暂无已确认的变化
该卡片还没有已确认并发布的变化记录。新的变化经核实后会出现在这里。
展示最新 10 条已批准入库、并已匹配当前卡片的评论
someone got me a gift card, app won't work. I get to the end of sign up and it crashes, my phone is 6 months old. I have a pixel 10a. all I was told is to wait until an update happens.
Been a member of Fold for 2 years now. I have been super supportive of them and literally told EVERY cashier about Fold and how amazing it was. How it was the first bank to allow you to hold both USD & BTC, how I was earning BTC by using fold for everyday transactions. How my ACH payments like my mortgage was earning BTC… Now that they launched this reserve account I will loose lots of those incentives unless add USD to this reserve account. If I want to keep the same perks I have had for the past 2 years I will need add a minimum of $50,000 to this reserve account. I’m all in on BTC and have minimal USD. I literally almost never have more than $1000 USD most the time, only adding more to cover upcoming bills like my mortgage. So if I was gonna hold $50,000 USD anywhere it would bot be here. I would get more bang for my buck by placing that $50,000 on River and earning 3.5% back a month. That would be $1,750 a month profit… I would literally be making more money than my entire Morgage payment. The same mortgage payment that I would get 1.5% back on. Don’t have a problem with Fold adding more features and growing, but taking away from members is crazy. Could you not just add higher percentages and rewards for those with $50,000 in a reserve account instead of punishing members that have been supporting you?
Fold is a great financial app for anyone who's afraid to fully jump into cryptocurrency trading. They offer nice incentives (Bitcoin sats) on gift cards as well as other rewards and a daily prize wheel. You can automatically have some of your direct deposit or purchases invested in Bitcoin. And they even offer a line of credit. It's easy to navigate and it's a good, honest, transparent app. 5 stars all day!
We love the Fold debit card. Been using it for a couple of years now. Works like a pre-paid card so it helps with budgeting. We’ve had an issue once or twice. Customer service has been excellent.
A problem occurred on my Fold App, which I had never seen before. Contact with the support team turned that problem into a resolution with immediacy. Thank you for taking time out to meet my need!
Nightmare experience with customer support and this app for over a year now
Spent 250$ on a card for them to not verify my identity what am I suppose to do. It should be a fine print saying you could possibly not be able to be verified. I’m just going to stick to using bitcoin on Cash App!!!!
Thanks to Jack at Fold for speedy and timely responses to my issue. It’s done! I’ve been with Fold for years and I highly recommend it overall, too.
Love the app. amazing perks, getting hard money back for spending fiat.
Hello, Pat! We started rolling out instant debit funding recently? Do you have access yet? If not, it won't be long now! Hopefully you can reconsider your rating once you are able to test it out!
Was once amazing, but they steadily cut rewards and probability on their spin wheel. The last [documented] time someone won 1 BTC on the spin wheel was back in 2021. Debit card rewards aren't really worth the time/effort, but their new credit card rewards are OK at 1.5%. Would be nice to be able to earn rewards in BCH (the Bitcoin that actually works as A Peer-to-Peer Electronic Cash System).
We always appreciate community feedback, Stephen. Please email support@foldapp.com to let us know more about the improvements you'd like to see in the Fold app!
更新时间:2026/08/08
暂无风险因素
以下回答整理自本页已发布的卡片记录。
我们记录的 Fold Debit Card 认证要求为:完整 KYC。证件和审核细节见本页「KYC 要求」。
Apple Pay:支持;Google Pay:支持。
我们记录到 Fold Debit Card 支持:BTC。
Fold Debit Card 提供:实体卡。
我们记录到 1 个国家或地区可用、1 个受限。逐个国家的状态见本页「地区和语言支持」。
Fold Debit Card 由 Fold (FoldApp) 运营,卡组织为 Visa。