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Image source Source blog.foldapp.com Retrieved on Logos and card pictures are trademarks of their owners and are shown for identification only.

by Fold

Fold Bitcoin Credit Card

KYC: ID document KYC and limits

checked 29 Oct 2026 Source and check Checked29 Oct 2026 Verified29 Oct 2026 Updated29 Oct 2026 “checked” is the last time the source was found unchanged; “verified” is the last time the value was read from the source. “updated” is the last real value change. What does [s] mean? Something missing? Alerts

Image source Source foldapp.com Retrieved on Logos and card pictures are trademarks of their owners and are shown for identification only.
Score average of 100

How it is made up ↓Methodology →

To Fold

Basicsfold-bitcoin-credit-card

Card form
credit Source and check Source foldapp.com Wording at the source A credit card that is all-in on bitcoin. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Card types
virtual, physical Source and check Source foldapp.com Wording at the source This Agreement becomes effective and legally binding on the earliest of the date you activate or first use the Card, whether issued in physical form or as a virtual card through the Fold mobile applic... Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Card network
Visa Source and check Source foldapp.com Wording at the source The Fold Bitcoin Credit Card is issued by Celtic Bank pursuant to a license from Visa U.S.A. Inc. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Custody
custodial Source and check Source foldapp.com Wording at the source Bitcoin custody and exchange services are provided by BitGo and are subject to BitGo's Terms of Use. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Funding model
credit line Source and check Source foldapp.com Wording at the source Credit is subject to approval. Applicants are subject to a credit check and must meet applicable lending criteria. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Card currencies
USD Source and check Source foldapp.com Wording at the source The Fold Bitcoin Credit Card may only be used for purchases and transactions in U.S. dollars ("USD"). Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Usage
personal Source and check Source foldapp.com Wording at the source You may use the Card only for bona fide personal, family, or household purposes to purchase goods and services from merchants that accept the Card and access any other feature we expressly make availa... Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Limits depend on
unknown
Cards per account
unknown
Mobile wallets
Apple Pay Google Pay Source and check Source foldapp.com Wording at the source Pre-filled applications for verified Fold users, quick decisions, instant provisioning to Apple Pay and Google Pay. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
ATM withdrawals
No Source and check Source support.foldapp.com Wording at the source ATM withdrawals are NOT AVAILABLE Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Contactless
unknown

Fees and cashback

AttributeValue
Fees
Virtual card issuance unknown
Physical card issuance unknown
Shipping unknown
Monthly fee 0.00 USD Source and check Source foldapp.com Wording at the source Keep a Reserve balance and every swipe earns at that tier — no monthly fee, no points math, no re-qualifying. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Annual fee 0.00 USD Source and check Source foldapp.com Wording at the source Annual Fee. There is no annual fee imposed for the issuance or maintenance of the Card. Use of the Card requires an active Fold account in good standing. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Top-up fee unknown
Crypto deposit fee unknown
Crypto conversion fee unknown
Minimum conversion
  • USD card: 10.00 USD Source and check Source support.foldapp.com Wording at the source Additionally, it is not possible to pay a credit card balance below $10 using your bitcoin balance, because the minimum USD value of bitcoin that we can execute a sale for is $10. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Foreign currency fee 0 % above the network rate Source and check Source foldapp.com Wording at the source Foreign Transaction Fee. We do not charge a fee for Transactions made in a foreign currency. The card network converts the amount to U.S. dollars using its own procedures. The rate applied on the proc... Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Minimum FX fee unknown
ATM fee unknown
Merchant-specific fee unknown
Declined payment fee unknown
Refund fee unknown
Inactivity fee unknown
Minimum monthly spend unknown
Inactivity rule Unredeemed rewards are forfeitable after twelve consecutive months of account inactivity. Source and check Source foldapp.com Wording at the source Rewards that remain unredeemed for twelve (12) consecutive months of account inactivity, or that remain outstanding when your Fold Program Accounts are closed or the Rewards Program terminates, are fo... Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Card replacement unknown
Plan waivers unknown
Cashback & rewards
Cashback 1.5 % Source and check Source foldapp.com Wording at the source | Tier | Reserve | Credit card | Debit card | Bill pay | Bitcoin trading | Withdrawals | |---|---|---|---|---|---|---| | Non-Reserve | $0–$4,999 | 1.5% | 0.25% | 0% | 1% fee + spread | Network fee | |... Checked Verified Value wrong? History What does [s] mean? level 0 1.5 % level 1 1.75 % level 2 2 % level 3 3 % level 4 4 % level 5 5 % level 6 in BTC

Amounts in your display currency are approximations (hover or tap for the original and the rate) · exchange rate of

KYC and limits

  1. ID document

    ID document, often with a selfie or video ident

    1. Tier 1 at Fold

      Source and check Source foldapp.com Wording at the source Information required for Know Your Customer checks and compliance with the USA PATRIOT Act when opening card accounts: - First name, middle name, last name - Social Security number - Address - Date o... Checked Verified Value wrong? No earlier versions What does [s] mean?

      Requires: Name and date of birth, Address, ID document, Tax ID

LimitsValue
Balance in total not published Source and check Source foldapp.com Wording at the source Your "Credit Limit" is the maximum amount of credit that may be accessed through the Account. Your initial Credit Limit is disclosed in your approval materials, and each periodic statement will show b... Checked Verified Add this value? No earlier versions What does [s] mean?

Values for the entry account tier Non-Reserve; ↑ shows a higher limit from a higher account tier.

Account tiers (VIP, loyalty)

Account tiers change limits or perks, not the documents.

  • Non-Reserve: Reserve balance from $0 through $4,999. Source and check Source foldapp.com Wording at the source | Non-Reserve | $0–$4,999 | 1.5% | 0.25% | 0% | 1% fee + spread | Network fee | Checked Verified Value wrong? History What does [s] mean?
  • Tier 1: Reserve balance meets the Tier 1 threshold. Source and check Source foldapp.com Wording at the source | 1 | $5,000 | 1.5% | 0.25% | 0.25% | 0% fee + 0% Fold spread | Free | Checked Verified Value wrong? History What does [s] mean?
  • Tier 2: Reserve balance meets the Tier 2 threshold. Source and check Source foldapp.com Wording at the source | 2 | $15,000 | 1.75% | 0.5% | 0.5% | 0% fee + 0% Fold spread | Free | Checked Verified Value wrong? History What does [s] mean?
  • Tier 3: Reserve balance meets the Tier 3 threshold. Source and check Source foldapp.com Wording at the source | 3 | $25,000 | 2% | 1% | 1% | 0% fee + 0% Fold spread | Free | Checked Verified Value wrong? History What does [s] mean?
  • Tier 4: Reserve balance meets the Tier 4 threshold. Source and check Source foldapp.com Wording at the source | 4 | $50,000 | 3% | 1.5% | 1.5% | 0% fee + 0% Fold spread | Free | Checked Verified Value wrong? History What does [s] mean?
  • Tier 5: Reserve balance meets the Tier 5 threshold. Source and check Source foldapp.com Wording at the source | 5 | $75,000 | 4% | 2% | 2% | 0% fee + 0% Fold spread | Free | Checked Verified Value wrong? History What does [s] mean?
  • Tier 6: Reserve balance meets the Tier 6 threshold. Source and check Source foldapp.com Wording at the source | 6 | $100,000 | 5% | 3% | 3% | 0% fee + 0% Fold spread | Free | Checked Verified Value wrong? History What does [s] mean?

KYC: ID document Identity verification is required from the first level.

When is KYC needed?

No triggers published.

What do you have to show? Open the KYC finder

Availability

AttributeValue
Available in Available in: United States Source and check Source foldapp.com Wording at the source Available in the U.S. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Residency requirement Users must be at least 18 years old and citizens or permanent residents of the United States. Source and check Source support.foldapp.com Wording at the source Our services are intended solely for users who are 18 years of age or older and are citizens or permanent residents of the United States. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?

Key countries

  • Germany not available
  • Austria not available
  • Switzerland not available
  • United States available
  • United Kingdom not available
  • France not available
  • Spain not available
  • Italy not available
  • Netherlands not available
  • Türkiye not available
  • Brazil not available
  • Nigeria not available
  • India not available
  • United Arab Emirates not available
  • Singapore not available

✓ available · ✗ not available · ? not known from the sources

Point at or tap a country.

available (1) not available (249) unknown

Crypto

AttributeValue
Supported assets BTC Source and check Source foldapp.com Wording at the source All rewards paid in bitcoin. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Number of supported assets unknown
Top-up networks unknown
Spending order unknown
Fiat top-up unknown

Bonuses and promotions

What Fold offers itself: referral bonus, welcome bonus, running promotions and partner programme. Values of the provider, with source; no affiliate link in it.

Referral bonus

  • You (referrer)

    $5 of bitcoin when the referral spends $25 from their Fold balance, plus 100 spins and Spin Squad earnings of 1–50 sats on qualifying bitcoin purchases or Fold Debit Card use.

    Conditions:
    The referred user must sign up through the referral link and spend $25 from their Fold balance for the $5 bitcoin bonus. Spin Squad earnings apply to qualifying referral activity.
    How:
    invite link, in the app
    all cards of Fold
    Source and check Source support.foldapp.com Wording at the source ## What does the referral-giver receive? - You earn $5 of bitcoin when your referral spends $25 from their Fold balance. - Pro-tip: Suggest your friend purchases a Gift Card. Simplest, fastest, and... Checked Verified What does [s] mean?
  • Invited friend

    10 USD

    Conditions:
    The invited user receives $10 of bitcoin with their first Fold Debit Card purchase of at least $25, plus 100 spins.
    How:
    invite link, in the app
    all cards of Fold
    Source and check Source support.foldapp.com Wording at the source ## What does the referral-receiver receive? - Your referral gets $10 of bitcoin with their first Fold Debit Card purchase of at least $25. - 100 spins Checked Verified What does [s] mean?

Promotion

  • Fold Reserve Bonus Promotion

    3 % of top-ups for 3 years

    Conditions:
    top up at least 5,000 USD, For new Fold Reserve members. Qualifying Reserve purchases of $5,000 to $100,000 must settle by the Lock Date. The bonus is paid in three annual installments and may be reduced or forfeited under the promotion's balance-reduction rules.
    Valid:
    until 14 Nov 2026
    all cards of Fold
    Source and check Source foldapp.com Wording at the source | Promotion name | Fold Reserve Bonus Promotion | | Enrollment Window opens | October 13, 2026 at 12:01 AM Eastern Time | | Enrollment Window closes (Lock Date) | November 13, 2026 at 11:59 PM Eastern... Checked Verified What does [s] mean?

Trust

AttributeValue
Issuer / BIN sponsor Celtic Bank Source and check Source foldapp.com Wording at the source The Fold Bitcoin Credit Card is issued by Celtic Bank pursuant to a license from Visa U.S.A. Inc. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Program manager Fold, Inc. Source and check Source foldapp.com Wording at the source For the Fold Bitcoin Credit Card, Celtic Bank is the creditor and card issuer, and Fold acts solely as a program manager and service provider. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Headquarters unknown
Support channels email, phone Source and check Source foldapp.com Wording at the source Questions: [email protected] or 1-866-365-3277. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Brand on record since 08/2014 Source and check Source web.archive.org Wording at the source archived capture: 2014-08-09 Checked Verified
Domain since 10/2013 Source and check Source rdap.verisign.com Wording at the source registration: 2013-10-27 Checked Verified
Company founded 2019 Source and check Source blog.foldapp.com Wording at the source Since our introduction in 2019, Fold has proudly led the way to become the top bitcoin rewards debit card. Checked Verified

Issuer

Celtic Bank (United States) Source and check Source foldapp.com Wording at the source The Fold Bitcoin Credit Card is issued by Celtic Bank pursuant to a license from Visa U.S.A. Inc. Checked Verified Registered name: Celtic Bank Source and check Source foldapp.com Wording at the source the "Card") issued by Celtic Bank, a Utah state-chartered bank located in Salt Lake City, Utah (the "Bank") Checked Verified Licensed since: 2001 Source and check Source celticbank.com Wording at the source Founded in 2001 and headquartered in Salt Lake City, Utah, Celtic Bank provides financing for small businesses. Checked Verified Issues 1 card programme in our catalogue

Company

Founded 2019 Source and check Source blog.foldapp.com Wording at the source Since our introduction in 2019, Fold has proudly led the way to become the top bitcoin rewards debit card. Checked Verified
Headquarters United States Source and check Source foldapp.com Wording at the source Address: 2942 North 24th Street, Suite 115, #42035, Phoenix, Arizona 85016 Checked Verified
Legal form Inc. Source and check Source foldapp.com Wording at the source Fold, Inc. Email: <[email protected]> Checked Verified
Registered address 2942 North 24th Street, Suite 115, #42035, Phoenix, Arizona 85016 Source and check Source foldapp.com Wording at the source Fold, Inc. Email: <[email protected]> Phone: 1-866-FOLDAPP (1-866-365-3277) Address: 2942 North 24th Street, Suite 115, #42035, Phoenix, Arizona 85016 Checked Verified

Ownership

Ownership Subsidiary Source and check Source blog.foldapp.com Wording at the source Fold, Inc. is a financial services platform, not an FDIC-insured bank. Fold Holdings, Inc. (Nasdaq: FLD) is its publicly traded parent company. Checked Verified

Card history

Waitlist since 2025-02-11 Source and check Source blog.foldapp.com Wording at the source 11 Feb 2025 5 min read [press release](/tag/press-release/ "press release") # The Fold Bitcoin Rewards Credit Card waitlist is live! Join the waitlist. Secure your spot. Enter for a chance to win pr... Checked Verified

Transparency

Transparency 86 %

0 of 14 key values not published

  • Imprint / company details: no
  • Public fee schedule: yes
  • Cardholder agreement: yes
  • Terms and conditions: yes
  • Terms with version or date: yes

Sources last checked 2026-10-29

Licences

No licences captured yet.

What users report

No community reports evaluated yet.

How the score is made up

60.97 of 100 · average

Weighted sum of the criteria, each 0 to 100 from proven values. A criterion without data is not scored and counts neutral, not as 0.

Methodology and weights
  1. CostsWeight 25 %
    100/100
    25.0 of 25 points

    monthly/annual fee, top-up, FX and ATM fees

  2. KYC and privacyWeight 20 %
    35/100
    7.0 of 20 points

    KYC class needed, KYC-free allowance

  3. FeaturesWeight 15 %
    53/100
    7.9 of 15 points

    wallets, physical card, ATM, assets, chains

  4. AvailabilityWeight 10 %
    17/100
    1.7 of 10 points

    number of countries, EU/US/UK

  5. RewardsWeight 10 %
    64/100
    6.4 of 10 points

    cashback considering caps and staking requirements

  6. TrustWeight 10 %
    80/100
    8.0 of 10 points

    licences, incidents, company and card age, issuer, ownership, security, transparency

    Trust in detail
    • LicencesWeight 15 % not scored
    • Company age (up to 5 years)Weight 10 % 100
    • Card on the market (up to 3 years)Weight 10 % not scored
    • IssuerWeight 15 % 44
    • OwnershipWeight 10 % 80
    • Security evidenceWeight 15 % not scored
    • TransparencyWeight 10 % 86
    • Incidents (12 months)Weight 15 % 100
  7. CommunityWeight 10 %
    –
    not scored counts with the median (5.0)

    ratings and reports, damped, neutral with too little data

News

Recent news about Fold from the press and the provider's own channels, rated automatically. · last 90 days: 0 positive, 2 neutral, 0 negative

  1. GlobeNewswire Neutral
    Fold to Release Third Quarter 2026 Results November 10th

    Assessment: Fold announces the date of its Q3 2026 results release; no card terms are changed.

  2. Stock Titan Neutral
    Fold Sets Third-Quarter 2026 Earnings Call for Nov. 10 | FLD Stock News

    Assessment: Fold announces the date of its Q3 2026 earnings call; no card terms are changed.

Headlines link to the original article. Sentiment and severity are an automated assessment of headline and summary, not a statement of fact; we do not store the articles.

Early warning

Alerts for this card

We tell you what changes at Fold Bitcoin Credit Card and Fold, with evidence for every alert.

What do you want to receive?

You will first get a mail with a confirmation link.

Changelog

  • Headquarters: United States.

  • Changed: Referral bonus · Invited friend.

  • Changed: Referral bonus · You (referrer).

  • New logo.

  • New: Referral bonus · Invited friend.

  • New: Referral bonus · You (referrer).

  • New: Fold Reserve Bonus Promotion.

  • New card image.

  • Score changed from 60.12 to 60.48.

  • Score changed from 62.75 to 60.12.

  • Score changed from 55.23 to 62.75.

  • Changes to reward programmes.

  • Changes to limits.

  • Changes to reward programmes.

  • Changes to limits.

  • Score changed from 53.55 to 55.23.

  • Changes to KYC levels and requirements.

  • Changes to licences.

Apply for Fold Bitcoin Credit Card directly with the provider.

All information without guarantee; the provider’s terms are binding. No investment or financial advice: scores are methodical comparisons, not recommendations.

Report an error To Fold