Fold Bitcoin Credit Card

Verified

Fold / Celtic Bank · Visa · credit

A no-annual-fee US Visa credit card centered on bitcoin rewards, with a strong 1.5% base rate and higher rewards for users who also accumulate bitcoin through Fold.

Last issuer check

2026-08-23

Fold

Cashback

Up to 4%

Card format

virtual + physical

Annual fee

No annual fee

Supported assets

Bitcoin rewards; card purchases are regular credit-card transactions

Fees & economics

IssuanceNo separate issuance fee advertised

FXCredit-card agreement terms apply

Crypto conversionNo crypto conversion is required for card purchases; rewards are paid in bitcoin

ATMCredit-card cash-advance terms apply

Rewards1.5% unlimited base bitcoin rewards, with behavior-based bonuses on the first $2,000 of monthly spend and an additional payoff bonus that can bring the total to 4%.

Eligibility & wallets

MarketsUSA

AvailabilityUS credit product currently rolling out in phases; Fold says applications are being opened to selected users and waitlist members before broader access.

Apple PaySupported

Google PaySupported

NetworkVisa

Why it may fit

1.5% unlimited base BTC rewards
Up to 4% total on eligible monthly spend
No annual fee
Instant provisioning to Apple Pay and Google Pay

What to verify before applying

Phased rollout / waitlist
Maximum rewards require additional Fold activity
Credit approval and APR apply

Lumpascan shows issuer-verified context but does not replace the final eligibility and fee disclosure shown during the issuer's application flow. Regional terms can change after our last verification timestamp.

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