Available regions
Applications or normal card activation are supported
United StatesUS
- Evidence
- Officially supported
Card database / Visa / Crypto cashback credit card
F
Fold Bitcoin Credit Card
Updated: Sep 15, 2026
Fold Bitcoin Credit Card™ is a Bitcoin cashback credit card launched by Fold for individual users in the United States. Celtic Bank provides the credit facility and issues the card, Stripe supplies the core issuance and processing technology, and the card uses the Visa network. Users make everyday purchases with a US dollar credit facility and receive a base reward of 1.5% BTC on eligible transactions. Rewards can be increased through Fold's recurring purchases, Direct-to-Bitcoin and repayment of card bills with BTC. The product currently remains available through invitations and a phased application process.
- Card network
- Product type
- Crypto cashback credit card
- Card form
- Virtual + physical card
- Operating status
- Invite only
- KYC level
- Full KYC
- Commercial relationship
- No commercial relationship
- Risk score
- 80-89
- Supported assets
BTC
USD- Last updated
- Sep 15, 2026
Official and company information
Issuer identity and company credentials
Fold (foldapp.com) is a Bitcoin daily spending finance and personal finance platform headquartered in Phoenix, Arizona, USA. The platform was founded in 2014.
Fold, Inc. is responsible for the Fold platform, credit card services, and BTC rewards program. Its parent company, Fold Holdings, Inc., trades on Nasdaq under the ticker FLD. The creditor and actual card issuer of the Fold Bitcoin Credit Card™ is Celtic Bank, a Utah-chartered bank, and the card operates under a license from Visa U.S.A. Inc. Stripe, Inc. provides card processing and program infrastructure, and Fold provides account services to Celtic Bank through Stripe. Credit approval is determined by Celtic Bank; Fold is not responsible for credit decisions.
- Company / issuer
- Fold
- Legal name
- Fold, Inc
- Registered region
- United States (US)
- Headquarters
- Phoenix, Arizona, United States
- Company type
- Fintech
- Verification status
- Verified
- Issuer website
- Official link
- Application page
- Application link
Card overview
Fold Bitcoin Credit Card™ is an unsecured revolving credit card, not a credit product that requires pre-funded balances or crypto asset collateral. Celtic Bank determines approval, the credit limit, and the interest rate based on the applicant's credit history, income, debt, and other underwriting factors. Once approved, users immediately receive a digital card that can be added to Apple Pay or Google Pay, with the physical card mailed later. Users can view purchases, statements, available credit, and BTC rewards in Fold App and repay their bills through a Fold cash account, an external bank account, or BTC held in Fold. When BTC is used for repayment, Fold first sells it for USD. Base rewards have no accrual cap, while additional tier rewards primarily apply to the first USD 2,000 of eligible spending each month.
Visa card experienceRegional availabilityTerms may change
Notice: No additional notice is available.
Usage scale & trends
Usage data is not available for this card yet. It will appear here when available.
Card variants and fee differences
Compare verified fee records across card forms and tiers
F Fold Bitcoin Credit Card™ | |
|---|---|
| Card form | Virtual + physical card |
| Fees | |
| Monthly fee | Free Free Fold account required to hold the card |
| Card issuance fee | Free No credit card issuance fee |
| ATM fee | — |
| Foreign exchange fee | Free No additional foreign transaction fee |
| Top-up fee | — |
| Failed transaction fee | — |
| Rewards | |
| Cashback | — |
| Crypto cashback | 1.5% Base 1.5%, up to 4% with conditions |
| Staking rewards | — |
| Staking APR | — |
| Welcome bonus | — |
| Referral bonus | — |
| Limits | |
| Daily spending limit | — |
| Monthly spending limit | — |
| ATM withdrawal limit | — |
| Card network |
Fees may vary by region, card tier, and official policy. Verify the latest official terms.
Regions and language support
Application status based on public sources, official policy, and user reports. This is not application advice.
Unsupported or restricted regions
Applications or features are unavailable or restricted
Global ex-US
- Evidence
- Officially restricted
Unconfirmed regions
Evidence is insufficient
No records
- Evidence
- Public sources
Availability in English-Speaking Markets
1. United States：Can apply，Can use，Applicants must be U.S. citizens or lawful permanent residents, primarily reside in one of the 50 states or Washington, D.C., have a valid U.S. Social Security number, and pass Celtic Bank’s credit approval.
2. United Kingdom：Cannot apply，Can use，UK residents do not meet Fold’s U.S. citizenship or permanent-residency and primary-residence requirements, but the UK is not on the card’s restricted-use country list.
3. Canada：Cannot apply，Can use，Canadian residents are outside Fold’s U.S.-only account and credit-card eligibility requirements, while Canada is not listed among the countries where card use is restricted.
4. Australia：Cannot apply，Can use，Australian residents cannot obtain the card because Fold requires qualifying U.S. status and primary U.S. residence, but Australia is not a restricted-use country.
5. South Africa：Cannot apply，Cannot use，South African residents are outside Fold’s U.S.-only issuance requirements and South Africa is expressly listed among the countries where the Fold Bitcoin Credit Card cannot be used.
6. New Zealand：Cannot apply，Can use，New Zealand residents do not meet Fold’s U.S. residency requirements for issuance, but New Zealand is not included in the card’s restricted-use country list.
7. Ireland：Cannot apply，Can use，Irish residents cannot apply because Fold requires qualifying U.S. status and primary U.S. residence, while Ireland is not listed as a restricted card-use country.
Updated: Sep 15, 2026
KYC requirements
Current identity-verification requirements and restrictions
KYC required
YesRequiredKYC level
Full KYCRequirement confirmedProof of address
NoNot requiredAccepted documents
Driver's license / Passport / Other government-issued ID
Review time / regional limits
Most applications are decided quickly; additional identity review generally takes two to five business days.
KYC provider
Stripe, Inc.
Updated
Aug 8, 2026
Payment compatibility
Support status and update date by payment scenario · Actual availability may vary by region, merchant, and issuer policy
Compatibility overview12 scenarios
Supported11
Not supported1
UpdatedAug 8, 2026
Wallet payments
Alipay
Supported
Aug 8, 2026
Wallet payments
Apple Pay
Supported
Aug 8, 2026
Cash services
ATM withdrawal
Not supported
Aug 8, 2026
AI tools
ChatGPT
Supported
Aug 8, 2026
AI tools
Claude
Supported
Aug 8, 2026
Wallet payments
Google Pay
Supported
Aug 8, 2026
AI tools
Midjourney
Supported
Aug 8, 2026
In-person payments
Offline POS
Supported
Aug 8, 2026
Online shopping
Online shopping
Supported
Aug 8, 2026
Wallet payments
PayPal
Supported
Aug 8, 2026
Subscriptions
Subscription payment
Supported
Aug 8, 2026
Wallet payments
WeChat Pay
Supported
Aug 8, 2026
Review
Read the editorial review, its verdict and latest update.
No review yet
No review has been published for this card. Published reviews appear here.
User reviews
Showing 10 approved reviews matched to this card
Fold: Bitcoin Personal Finance Google Play review - 1 star
App is becoming unsteady, initial launch was Great but after a few years it has more time interacting with Fold IT than just working normally
Official reply
View original Hi Franko, sorry to hear about the trouble! Please reach out to Support@foldapp.com so we can help with the issue you are experiencing.
Fold: Bitcoin Personal Finance Google Play review - 2 star
I used to love Fold, but it seemingly gets worse as time goes on. The rewards used to be better and bigger. Where did the Amazon gift card go? Why did all the rewards go down? You have more competition now because you dragged your feet after having first-mover advantage, and now you need to have better rewards and customer experience to compete.
View original Fold: Bitcoin Personal Finance Google Play review - 1 star
Signed up for an account to receive $5 in crypto from Steak & Shake and account was denied... probably because I mistyped something. Their policy apparently prevents correcting the mistyped information or for them to accept any other method of validation. And apparently I can't even delete my own account because of it. Stay away from this shady crypto provider.
View original Fold: Bitcoin Personal Finance Google Play review - 1 star
PSYCHOPATHS SHAFT YOU. Close your account for no reason and mail you a money order in two weeks when rent's due. I'm trying to figure out if they're gonna steal my used car money in my Bitcoin, too.
View original Fold: Bitcoin Personal Finance Google Play review - 4 star
Awesome Customer Support..... I have been a Fold Debit Card User for over 4 yrs now and although the Sat rewards have been much better earlier on, the Customer Support with expediency in all issue resolvement has kept me in the Fold Game. Every Sat given, whether they're derived from the daily free spins or purchases helps toward financial sovereignty. Can you imagine the day when a SAT is worth a penny or even a dime?, and yet you were earning everything you made on purchase or free spins.
Official reply
View original We're thrilled to hear you've had a positive experience with our customer support team! Your feedback on the rewards is valuable and will be shared with the team. Happy Stacking!
Fold: Bitcoin Personal Finance Google Play review - 1 star
terrible i have been trying for 3 days to update my phone number and i'm getting nowhere
Official reply
View original Hi, we're sorry to hear about your negative experience. Please reply with your customer support ticket number, or email support@foldapp.com, so we can assist further. Thank you!
Great App
Have more Sats tomorrow than you do today, Fold makes it easy.
View original Great app for Bitcoin
Easy to use!
View original My #1 savings tool
Makes buying and earning bitcoin easy. The credit card is a game changer.
View original Best way to earn bitcoin
Fold allows you to
Earn bitcoin back on every single dollar spent. Everything from ACH, swiping, and gift cards fold makes it easy to get a percentage back for every bill you pay. Easiest way to start your Bitcoin stacking journey
View original Risk factors
Updated: Aug 8, 2026
No risk factors are available
Frequently asked questions
Answers drawn from the published record on this page.
Does Fold Bitcoin Credit Card require KYC?
Our record lists the Fold Bitcoin Credit Card verification requirement as: Full KYC. Document and review details are in the KYC section of this page.
Does Fold Bitcoin Credit Card support Apple Pay and Google Pay?
Apple Pay: Supported. Google Pay: Supported.
Which assets can I top up Fold Bitcoin Credit Card with?
Our record lists Fold Bitcoin Credit Card support for: BTC and USD.
Is Fold Bitcoin Credit Card a virtual or a physical card?
Fold Bitcoin Credit Card is offered as: Virtual + physical card.
Where is Fold Bitcoin Credit Card available?
Our record lists 1 countries or regions as available and 1 as restricted. Country-by-country status is in the regions section of this page.
Who issues Fold Bitcoin Credit Card?
Fold Bitcoin Credit Card is operated by Fold on the Visa network.