# Fold Card

by Fold · checked 30 Oct 2026 · updated 29 Oct 2026

Website: [foldapp.com](https://foldapp.com)

## Facts

- Fold Card is a Visa prepaid card from Fold.
- Fold Card has no monthly fee.
- Fold Card has no annual fee.
- A virtual version costs 0.00 USD, a physical one 0.00 USD.
- Topping up via bank transfer costs free (Direct deposit (ACH) from employers and others.).
- Topping up via card costs 1.5 % (max. 25.00 USD).
- ATM withdrawals cost 3.50 USD (Per withdrawal; waived for Fold Reserve members with a Reserve Balance of USD 5,000 or more; ATM operator fees may apply.).
- It works with Apple Pay.
- Base cashback is 0.25 %.
- Fold Card is available in United States.
- Custody: custodial.
- Supported assets: BTC.
- Issuer / BIN sponsor: Sutton Bank (Member FDIC).

## Basics

| Attribute | Value | Applies to | Source |
| --- | --- | --- | --- |
| Card form | prepaid |  | foldapp.com (checked 28 Oct 2026 · verified 28 Oct 2026) |
| Card types | virtual, physical |  | foldapp.com (checked 29 Oct 2026 · verified 28 Oct 2026) |
| Card network | Visa |  | foldapp.com (checked 29 Oct 2026 · verified 28 Oct 2026) |
| Custody | custodial |  | foldapp.com (checked 30 Oct 2026 · verified 28 Oct 2026) |
| Funding model | fiat balance |  | foldapp.com (checked 28 Oct 2026 · verified 28 Oct 2026) |
| Card currencies | USD |  | foldapp.com (checked 28 Oct 2026 · verified 28 Oct 2026) |
| Usage | personal |  | foldapp.com (checked 28 Oct 2026 · verified 28 Oct 2026) |
| Limits depend on | unknown |  |  |
| Cards per account | unknown |  |  |
| Mobile wallets | Apple Pay |  | foldapp.com (checked 28 Oct 2026 · verified 28 Oct 2026) |
| ATM withdrawals | Yes |  | foldapp.com (checked 29 Oct 2026 · verified 28 Oct 2026) |
| Contactless | Yes |  | foldapp.com (checked 29 Oct 2026 · verified 28 Oct 2026) |

## Fees and cashback

| Attribute | Value | Applies to | Source |
| --- | --- | --- | --- |
| **Fees** |  |  |  |
| Virtual card issuance | 0.00 USD |  | foldapp.com (checked 28 Oct 2026 · verified 28 Oct 2026) |
| Physical card issuance | 0.00 USD |  | foldapp.com (checked 28 Oct 2026 · verified 28 Oct 2026) |
| Shipping | unknown |  |  |
| Monthly fee | 0.00 USD |  | foldapp.com (checked 28 Oct 2026 · verified 28 Oct 2026) |
| Annual fee | 0.00 USD |  | foldapp.com (checked 28 Oct 2026 · verified 28 Oct 2026) |
| Top-up fee | unknown |  |  |
| ↳ top-up via bank transfer | free (Direct deposit (ACH) from employers and others.) |  | foldapp.com (checked 28 Oct 2026 · verified 28 Oct 2026) |
| ↳ top-up via card | 1.5 % (max. 25.00 USD) |  | foldapp.com (checked 28 Oct 2026 · verified 28 Oct 2026) |
| Crypto deposit fee | unknown |  |  |
| Crypto conversion fee | 1 % |  | foldapp.com (checked 28 Oct 2026 · verified 28 Oct 2026) |
| Minimum conversion | unknown |  |  |
| Foreign currency fee | unknown |  |  |
| Minimum FX fee | unknown |  |  |
| ATM fee | 3.50 USD (Per withdrawal; waived for Fold Reserve members with a Reserve Balance of USD 5,000 or more; ATM operator fees may apply.) |  | foldapp.com (checked 28 Oct 2026 · verified 28 Oct 2026) |
| Merchant-specific fee | unknown |  |  |
| Transaction fee | free |  | foldapp.com (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Cross-border fee | unknown |  |  |
| Withdrawal fee | unknown |  |  |
| ↳ top-up via bank transfer | free (Outgoing ACH transfers; third-party fees may apply on receipt.) |  | foldapp.com (checked 29 Oct 2026 · verified 29 Oct 2026) |
| ↳ top-up via card | 1.5 % (max. 25.00 USD) (Instant transfer from the card account to another debit card.) |  | foldapp.com (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Activation fee | unknown |  |  |
| Minimum top-up | unknown |  |  |
| Declined payment fee | unknown |  |  |
| Refund fee | unknown |  |  |
| Inactivity fee | 0.00 USD |  | foldapp.com (checked 28 Oct 2026 · verified 28 Oct 2026) |
| Minimum monthly spend | unknown |  |  |
| Inactivity rule | The card account becomes inactive after 6 consecutive months without a transaction initiated by the cardholder; the inactivity fee is $0. |  | foldapp.com (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Card replacement | 5.00 USD (Lost or stolen cards, standard delivery; expired cards are replaced free; waived for Fold Reserve members.) |  | foldapp.com (checked 28 Oct 2026 · verified 28 Oct 2026) |
| Plan waivers | unknown |  |  |
| **Cashback & rewards** |  |  |  |
| Cashback | 0.25 % (level 0); 0.25 % (level 5,000); 0.5 % (level 15,000); 1 % (level 25,000); 1.5 % (level 50,000); 2 % (level 75,000); 3 % (level 100,000) · in BTC |  | foldapp.com (checked 28 Oct 2026 · verified 28 Oct 2026) |

## KYC and limits

KYC: ID document

### ID document

- Card Account identity verification at Fold — Requires: E-mail, Phone number, Name and date of birth, Address, Tax ID; In some cases: ID document (on request: Copy of driver's license or other identification documents) — foldapp.com (checked 28 Oct 2026 · verified 28 Oct 2026)

| Limits | Value |
| --- | --- |
| Top-up per 24 hours | 15,000 USD |
| Top-up per day | 15,000 USD |
| Spending per transaction | 15,000 USD |
| Spending per day | 15,000 USD |
| Spending per month | 50,000 USD |
| ATM per transaction | 250 USD |
| ATM per day | 1,000 USD |
| ATM per month | 1,000 USD |
| Balance in total | 30,000 USD |

### When is KYC needed?

- After a risk review at its own discretion, Fold may request additional documents such as proof of source of funds. — foldapp.com (checked 28 Oct 2026 · verified 28 Oct 2026)

## Availability

| Attribute | Value | Applies to | Source |
| --- | --- | --- | --- |
| Available in | unknown |  |  |
| ↳ by residence | Available in: United States |  | foldapp.com (checked 28 Oct 2026 · verified 28 Oct 2026) |
| Residency requirement | U.S. citizen or legal resident with a U.S. tax ID number, at least 18 (or the state age of majority), with a verifiable U.S. address (no P.O. Box). |  | foldapp.com (checked 28 Oct 2026 · verified 28 Oct 2026) |

| Country | Available |
| --- | --- |
| 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 |

## Crypto

| Attribute | Value | Applies to | Source |
| --- | --- | --- | --- |
| Supported assets | BTC |  | foldapp.com (checked 29 Oct 2026 · verified 28 Oct 2026) |
| Number of supported assets | unknown |  |  |
| Top-up networks | unknown |  |  |
| Spending order | unknown |  |  |
| Fiat top-up | Yes |  | foldapp.com (checked 29 Oct 2026 · verified 28 Oct 2026) |

## 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. · invite link, in the app — support.foldapp.com
- Referral bonus · 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. · invite link, in the app — support.foldapp.com
- 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. · until 14 Nov 2026 — foldapp.com

## Trust

| Attribute | Value | Applies to | Source |
| --- | --- | --- | --- |
| Issuer / BIN sponsor | Sutton Bank (Member FDIC) |  | foldapp.com (checked 28 Oct 2026 · verified 28 Oct 2026) |
| Program manager | Marqeta, Inc. (Fold, Inc. operates the app and customer service) |  | foldapp.com (checked 28 Oct 2026 · verified 28 Oct 2026) |
| Headquarters | unknown |  |  |
| Support channels | email, phone |  | foldapp.com (checked 28 Oct 2026 · verified 28 Oct 2026) |

Licence of the card issuer Sutton Bank:

- Federal Deposit Insurance Corporation (FDIC) · bank 5962 · US [Register entry](https://banks.data.fdic.gov/bankfind-suite/bankfind/details/5962)

## Company and trust

- Brand on record since 08/2014
- Domain since 10/2013
- Company founded 2019

### Company

- Founded: 2019 (Source: blog.foldapp.com)
- Headquarters: United States (Source: foldapp.com)
- Legal form: Inc. (Source: foldapp.com)
- Registered address: 2942 North 24th Street, Suite 115, #42035, Phoenix, Arizona 85016 (Source: foldapp.com)

### Ownership

- Ownership: Subsidiary (Source: blog.foldapp.com)

### Issuer

- Sutton Bank
- Issues 1 card programme in our catalogue

### Transparency

- Transparency 86 %
- 0 of 19 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 2026-10-30

## How the score is made up

60.32 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.

| Criterion | Weight | Part (0–100) | Points |
| --- | --- | --- | --- |
| Costs | 25 % | 90 | 22.6 |
| KYC and privacy | 20 % | 35 | 7.0 |
| Features | 15 % | 77 | 11.5 |
| Availability | 10 % | 17 | 1.7 |
| Rewards | 10 % | 35 | 3.5 |
| Trust | 10 % | 90 | 9.0 |
| Community | 10 % | not scored | counts with the median (5.0) |

## News

Recent news about Fold from the press and the provider's own channels, rated automatically.

- 27 Oct 2026: [Fold to Release Third Quarter 2026 Results November 10th](https://globenewswire.com/news-release/2026/10/27/3389583/0/en/fold-to-release-third-quarter-2026-results-november-10th.html) (GlobeNewswire) — Neutral. Fold announces the date of its Q3 2026 results release; no card terms are changed.
- 27 Oct 2026: [Fold Sets Third-Quarter 2026 Earnings Call for Nov. 10 | FLD Stock News](https://stocktitan.net/news/FLD/fold-to-release-third-quarter-2026-results-november-gdne2mgxav4q.html) (Stock Titan) — Neutral. 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.

## Changelog

- 29 Oct 2026: New card image.
- 29 Oct 2026: Headquarters: United States.
- 29 Oct 2026: Changed: Referral bonus · Invited friend.
- 29 Oct 2026: Changed: Referral bonus · You (referrer).
- 29 Oct 2026: New logo.
- 29 Oct 2026: New: Referral bonus · Invited friend.
- 29 Oct 2026: New: Referral bonus · You (referrer).
- 29 Oct 2026: New: Fold Reserve Bonus Promotion.
- 29 Oct 2026: Changes to reward programmes.
- 29 Oct 2026: Score changed from 58.83 to 60.33.
- 29 Oct 2026: Changes to licences.
- 29 Oct 2026: Score changed from 58.41 to 58.83.
- 29 Oct 2026: Changes to licences.
- 28 Oct 2026: Score changed from 59.29 to 59.43.
- 28 Oct 2026: Changes to KYC levels and requirements.
- 28 Oct 2026: Score changed from 56.29 to 59.29.
- 28 Oct 2026: Changes to licences.
- 28 Oct 2026: Changes to reward programmes.

Found an error or a missing value? Report it with a source: https://cryptocardss.com/en/fold-card/report-an-error/

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- **Canonical URL:** https://cryptocardss.com/en/fold-card/
- **As of:** 30 Oct 2026
- **Data licence:** CC BY 4.0 (https://creativecommons.org/licenses/by/4.0/)

Please cite: Source: cryptocardss.com (cryptovss), as of 30 Oct 2026, https://cryptocardss.com/en/fold-card/