Fold Debit Card
A custodial Visa card that pays cashback in BTC. 2 plans, from free to $100 a year.
- Terms checked 27 Sep 2026
- Visa
- Prepaid
- Custodial
- Apple Pay and Google Pay
- Free plan
- Subscription deals
Custodial: the company behind this card holds your crypto, not you. We leave custodial cards out of our rankings. See every custodial card
All amounts in US dollars
$1.67 a month
Advertised up to 0.5% , real cashback rate 0.1%, on the Fold+ ($100/yr) plan
$10.00 cashback$8.33 card fees$0.00 FX and other fees
Affiliate link: we may earn a commission if you sign up.
Pick a plan
Fold Card (free)
Free, no cashback
$0.00 a month, 0.0%
- Pays the most
Fold+ ($100/yr)
$100 a year, 0.5% on everything
$1.67 a month, 0.1%
What you keep as spend grows
Hover the line to see other amounts.
Show as a table
| Monthly spend | What you keep | Plan |
|---|---|---|
| $250 | 0% | Fold Card (free) |
| $500 | 0% | Fold Card (free) |
| $750 | 0% | Fold Card (free) |
| $1,000 | 0% | Fold Card (free) |
| $1,500 | 0% | Fold Card (free) |
| $2,000 | 0.08% | Fold+ ($100/yr) |
| $2,500 | 0.17% | Fold+ ($100/yr) |
| $3,000 | 0.22% | Fold+ ($100/yr) |
| $4,000 | 0.29% | Fold+ ($100/yr) |
| $5,000 | 0.33% | Fold+ ($100/yr) |
| $6,000 | 0.36% | Fold+ ($100/yr) |
| $7,500 | 0.39% | Fold+ ($100/yr) |
| $10,000 | 0.42% | Fold+ ($100/yr) |
Every fee
- Yearly fee
- $100
- FX fee
- Fold Card: flat $3.00 per foreign transaction (purchases at foreign merchants, including some USD transactions the network classes as foreign). Fold+: $0. The Visa exchange rate applies
- Conversion fee
- $0 per purchase (spends a prepaid USD balance)
- Topping up
- Direct deposit and ACH: free. Instant debit card funding: 1.5% (max $25). Selling bitcoin to the card balance (push to card): 1% without Fold+, 0% with Fold+
- ATM withdrawals
- Fold Card: $3.50 per withdrawal. Fold+: $0. ATM operators may add their own fee
- Card issue
- $0 for the physical gold foil card. A temporary virtual card is issued only while a replacement card is in the mail
- Monthly fee
- Fold Card: $0. Fold+ membership: $100 a year or $10 a month, charged to the card balance and renewing automatically (first-time Fold+ users get a 90-day free trial)
Our own test
We're testing crypto cards with a week of everyday spending each from October and comparing what each card takes with the market rate. What this card actually charges will show here and in our Q4 report.
Where these numbers come from
Fold Debit Card's published terms, checked 27 September 2026. Where sources disagree, we go with the less generous reading.
What's good and what to watch
Good
- No card, monthly or per-purchase fee on the free Fold Card
- Fold+ pays 0.5% back in bitcoin on purchases that don't get a boost, plus rotating category boosts up to 1.5% and merchant boosts
- Fold+ removes the $3.50 ATM fee and the $3.00 foreign transaction fee
- Works as a bank-style account: direct deposit with account and routing numbers, and the USD balance is eligible for pass-through FDIC insurance at Sutton Bank
- Fold+ members can earn up to 1.5% on ACH bill payments such as rent or a mortgage, up to the previous month's qualifying spend
Watch
- The free card earns no bitcoin on card purchases; only the daily prize wheel and gift card rewards
- Fold+ costs $100 a year (or $10 a month), so its 0.5% base rate only covers the fee above about $1,667 of monthly spend
- The 0.5% applies only to Visa Signature purchases, not PIN debit transactions
- Rewards are paid in bitcoin, a volatile asset, are locked for 30 days, and can be withdrawn once the balance reaches 30,000 sats
- Fold says it will drop the Fold+ fee during 2026 but has set no date, so the terms are likely to change
- US citizens and permanent residents only
- Custodial: USD sits with Sutton Bank and bitcoin with BitGo
At a glance
- Network
- Visa
- Custody
- custodial
- Card type
- prepaid
- Form
- physical
- Mobile wallets
- ✓ Apple Pay✓ Google Pay
- Chains
- Bitcoin
- Tokens
- USDBTC
- Availability
- United States (50 states and DC)
- KYC
- Fold account with identity verification and a US Social Security number; no credit check for the debit card
- Funding
- Direct deposit (account and routing number)ACH transfer from a linked bankInstant funding from an external debit card (1.5%, max $25)Selling bitcoin held in Fold to the card balance (push to card)
- Spending limit
- $15,000 a day and per transaction, $50,000 a month; maximum card balance $30,000
- ATM limit
- $250 per withdrawal, $1,000 a day, $1,000 a month
Perks and benefits
- Offers & creditsFold+ card boosts: rotating categories up to 1.5% and merchant offers from 1% to 14% back in bitcoin, applied automatically. In-app gift cards earn boosted bitcoin back, higher with Fold+
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General information only. These figures are calculated from the spend you enter and the card terms we've collected. We haven't considered your objectives, financial situation or needs, and this isn't a recommendation. Consider whether a card suits you and read the provider's terms before applying. Figures are estimates, terms change, and crypto is volatile.
Affiliate link: we may earn a commission if you sign up.