Fold Card is a custodial Visa prepaid card for personal use in the United States. Sutton Bank issues the card, which is available in virtual and physical form. Spending comes from a USD cash balance: users can add fiat funds or move bitcoin into cash before making purchases. The published monthly fee is 0.00 USD, and eligible purchases earn a base cashback rate of 0.25 % without requiring a Reserve Balance.
automatically created
Basicsfold-card
- Card form
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prepaid
foldapp.com checked 28 Oct 2026
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foldapp.com
Wording at the source
### Fold Prepaid Debit Card Issued by Sutton Bank
Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? - Card types
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virtual, physical
foldapp.com checked 29 Oct 2026
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Source
foldapp.com
Wording at the source
Open a Fold account from the app and request your card. Use a virtual card right away while the physical one ships.
Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? - Card network
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Visa
foldapp.com checked 29 Oct 2026
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Source
foldapp.com
Wording at the source
The Fold Card runs on the Visa network, so it works at virtually every merchant in the country and at ATMs when you need cash.
Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? - Custody
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custodial
foldapp.com checked 29 Oct 2026
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Source
foldapp.com
Wording at the source
Fold uses the second model, through BitGo.
Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? - Funding model
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fiat balance
foldapp.com checked 28 Oct 2026
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Source
foldapp.com
Wording at the source
You must have enough funds loaded onto your Card Account to pay for your purchase and you must have enough funds not subject to a hold (see Merchant Holds on Available Funds).
Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? - Card currencies
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USD
foldapp.com checked 28 Oct 2026
Source and check
Source
foldapp.com
Wording at the source
The Fold Prepaid Debit Card is limited to loads and spends in U.S. dollars ("USD").
Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? - Usage
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personal
foldapp.com checked 28 Oct 2026
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Source
foldapp.com
Wording at the source
The Card is for personal use only. You agree not to use the Card for business purposes.
Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? - Mobile wallets
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Apple Pay
foldapp.com checked 28 Oct 2026
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Source
foldapp.com
Wording at the source
For each of the Fold Prepaid Debit Card and Fold Bitcoin Credit Card (defined below), you acknowledge and agree that your use of Apple Pay or other mobile payment platforms in connection with such Car...
Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? - ATM withdrawals
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Yes
foldapp.com checked 29 Oct 2026
Source and check
Source
foldapp.com
Wording at the source
The Fold Card runs on the Visa network, so it works at virtually every merchant in the country and at ATMs when you need cash.
Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? - Contactless
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Yes
foldapp.com checked 29 Oct 2026
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Source
foldapp.com
Wording at the source
## Tap, swipe, or insert anywhere Visa is accepted
Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
Fees and cashback
| Attribute | Value |
|---|---|
| Fees | |
| Virtual card issuance |
0.00 USD
foldapp.com checked 28 Oct 2026
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Source
foldapp.com
Wording at the source
| Card Purchase | $0 | Fee charged for purchase of the Fold Visa® Prepaid Debit Card. Additional cards and replacement cards are available for the fees described below. |Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Physical card issuance |
0.00 USD
foldapp.com checked 28 Oct 2026
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Source
foldapp.com
Wording at the source
| Card Purchase | $0 | Fee charged for purchase of the Fold Visa® Prepaid Debit Card. Additional cards and replacement cards are available for the fees described below. |Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Shipping | unknown |
| Monthly fee |
0.00 USD
foldapp.com checked 28 Oct 2026
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Source
foldapp.com
Wording at the source
| Annual or Monthly Fee | $0 | There is no annual or monthly fee. |Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Annual fee |
0.00 USD
foldapp.com checked 28 Oct 2026
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Source
foldapp.com
Wording at the source
| Annual or Monthly Fee | $0 | There is no annual or monthly fee. |Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Top-up fee |
|
| Crypto deposit fee | unknown |
| Crypto conversion fee |
1 %
foldapp.com checked 28 Oct 2026
Source and check
Source
foldapp.com
Wording at the source
If you are not a Fold Reserve member, or your Committed Balance is below $5,000, a Transaction Fee of 1% applies to each Fold Bitcoin Buying transaction, including, but not limited to, transactions ma...Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| 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
Source and check
Source
foldapp.com
Wording at the source
| ATM Withdrawal | $3.50 per withdrawal | This fee is waived for Fold Reserve members with a Reserve Balance of $5,000 or more. You may be charged a fee by the ATM operator even if you do not complete...Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? ↳ Withdrawing 200.00 USD at an ATM: 3.50 USD |
| Merchant-specific fee | unknown |
| Transaction fee |
free
foldapp.com checked 29 Oct 2026
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Source
foldapp.com
Wording at the source
| Per Purchase | $0 |Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? ↳ amount_100: 0.00 USD |
| Cross-border fee | unknown |
| Withdrawal fee |
|
| 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
Source and check
Source
foldapp.com
Wording at the source
| Inactivity Fee | $0 | Card Account becomes inactive when you fail to initiate a transaction for 6 consecutive months. Fee is charged on a per month basis. |Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| 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
Source and check
Source
foldapp.com
Wording at the source
| Inactivity Fee | $0 | Card Account becomes inactive when you fail to initiate a transaction for 6 consecutive months. Fee is charged on a per month basis. |Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| 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
Source and check
Source
foldapp.com
Wording at the source
| Replacement Card (Standard Delivery) | $5.00 | Per replacement card ordered. This fee is for lost or stolen Cards only. No fee will be incurred to replace expired Cards. This fee is waived for Fold...Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? ↳ replacement_1: 5.00 USD ↳ replacement_2: 5.00 USD |
| Plan waivers | unknown |
| Cashback & rewards | |
| Cashback | 0.25 %
foldapp.com checked 28 Oct 2026
Source and check
Source
foldapp.com
Wording at the source
The following are the reward rates and member benefits for Fold Reserve. A tier applies when your Reserve Balance (or, where applicable, your Committed Balance) is at least the amount shown in the "Fo...Checked Verified Value wrong? History What does [s] mean? 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 |
Amounts in your display currency are approximations (hover or tap for the original and the rate) · exchange rate of
KYC and limits
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ID document
ID document, often with a selfie or video ident
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Card Account identity verification at Fold
from age 18
foldapp.com checked 28 Oct 2026 Source and check Source foldapp.com Wording at the source
When you open a Card Account, we will ask for User Information, including, but not limited to, your name, address, date of birth, Social Security Number, phone number, and other information, that will...
Checked Verified Value wrong? No earlier versions What does [s] mean?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)
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| Limits | Value |
|---|---|
| Top-up per 24 hours |
15,000 USD
foldapp.com checked 28 Oct 2026
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Source
foldapp.com
Wording at the source
- The maximum amount that can be added to your Card Account in any 24-hour period is $15,000.Checked Verified Value wrong? No earlier versions What does [s] mean? |
| Top-up per day |
15,000 USD
foldapp.com checked 28 Oct 2026
Source and check
Source
foldapp.com
Wording at the source
- The maximum amount that can be added to your Card Account in any calendar day is $15,000.Checked Verified Value wrong? No earlier versions What does [s] mean? |
| Spending per transaction |
15,000 USD
foldapp.com checked 28 Oct 2026
Source and check
Source
foldapp.com
Wording at the source
- The maximum amount that can be spent using your Card Account is $15,000 per transaction.Checked Verified Value wrong? No earlier versions What does [s] mean? |
| Spending per day |
15,000 USD
foldapp.com checked 28 Oct 2026
Source and check
Source
foldapp.com
Wording at the source
- The maximum amount that can be spent using your Card Account is $15,000 per day.Checked Verified Value wrong? No earlier versions What does [s] mean? |
| Spending per month |
50,000 USD
foldapp.com checked 28 Oct 2026
Source and check
Source
foldapp.com
Wording at the source
- The maximum amount that can be spent using your Card Account is $50,000 per month.Checked Verified Value wrong? No earlier versions What does [s] mean? |
| ATM per transaction |
250 USD
foldapp.com checked 28 Oct 2026
Source and check
Source
foldapp.com
Wording at the source
- The maximum amount of cash you can withdraw at an ATM or receive as cash back is $250 per transaction.Checked Verified Value wrong? No earlier versions What does [s] mean? |
| ATM per day |
1,000 USD
foldapp.com checked 28 Oct 2026
Source and check
Source
foldapp.com
Wording at the source
- The maximum amount of cash you can withdraw at an ATM or receive as cash back is $1,000 per day.Checked Verified Value wrong? No earlier versions What does [s] mean? |
| ATM per month |
1,000 USD
foldapp.com checked 28 Oct 2026
Source and check
Source
foldapp.com
Wording at the source
- The maximum amount of cash you can withdraw at an ATM or receive as cash back is $1,000 per month.Checked Verified Value wrong? No earlier versions What does [s] mean? |
| Balance in total |
30,000 USD
foldapp.com checked 28 Oct 2026
Source and check
Source
foldapp.com
Wording at the source
- The maximum value of your Card Account at any time may be $30,000.Checked Verified Value wrong? No earlier versions What does [s] mean? |
KYC: ID document KYC-free according to the provider (limits not published).
When is KYC needed?
- Risk reviewAfter 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
Source and check
Source
foldapp.com
Wording at the source
6. After your Card Account is opened, we may ask again to see a copy of your driver's license or other identifying documents at any time if we deem it is necessary to verify your identity, address, or...
Checked Verified Value wrong? History What does [s] mean?
Availability
| Attribute | Value |
|---|---|
| Available in |
|
| 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
Source and check
Source
foldapp.com
Wording at the source
(c) be a U.S. citizen (or a legal resident with a U.S. tax ID number) of at least 18 years of age (or older if residing in a state where the majority age is older); (d) provide us with a verifiable ad...Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 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.
Crypto
| Attribute | Value |
|---|---|
| Supported assets |
BTC
foldapp.com checked 29 Oct 2026
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Source
foldapp.com
Wording at the source
Set up direct deposit, transfer in from a linked account, or load funds instantly. Move bitcoin to your cash balance anytime for spending.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Number of supported assets | unknown |
| Top-up networks | unknown |
| Spending order | unknown |
| Fiat top-up |
Yes
foldapp.com checked 29 Oct 2026
Source and check
Source
foldapp.com
Wording at the source
Set up direct deposit, transfer in from a linked account, or load funds instantly. Move bitcoin to your cash balance anytime for spending.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
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## 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## 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| 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
| Attribute | Value |
|---|---|
| Issuer / BIN sponsor |
Sutton Bank (Member FDIC)
foldapp.com checked 28 Oct 2026
Source and check
Source
foldapp.com
Wording at the source
The Fold Prepaid Debit Card is issued by Sutton Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc.Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Program manager |
Marqeta, Inc. (Fold, Inc. operates the app and customer service)
foldapp.com checked 28 Oct 2026
Source and check
Source
foldapp.com
Wording at the source
which is offered by the Bank in conjunction with the Bank's program manager, Marqeta, Inc. ("Marqeta"), and Fold, Inc. ("Fold"), which operates the App (as defined below) and provides Customer Service...Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Headquarters | unknown |
| Support channels |
email, phone
foldapp.com checked 28 Oct 2026
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Source
foldapp.com
Wording at the source
CUSTOMER SERVICE AGENTS ARE AVAILABLE VIA EMAIL DURING REGULAR BUSINESS HOURS (9AM-6PM EST M-F, NOT INCLUDING FEDERAL HOLIDAYS) TO ANSWER YOUR QUESTIONS.Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
-
Brand on record since 08/2014
web.archive.org checked 29 Oct 2026
Source and check
Source
web.archive.org
Wording at the source
archived capture: 2014-08-09
Checked Verified -
Domain since 10/2013
rdap.verisign.com checked 29 Oct 2026
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Source
rdap.verisign.com
Wording at the source
registration: 2013-10-27
Checked Verified -
Company founded 2019
blog.foldapp.com checked 29 Oct 2026
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
Sutton Bank
foldapp.com checked 28 Oct 2026
Source and check
Source
foldapp.com
Wording at the source
The Fold Prepaid Debit Card is issued by Sutton Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc.Checked Verified Licensed Issues 1 card programme in our catalogue
Company
| Founded | 2019
blog.foldapp.com checked 29 Oct 2026
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
foldapp.com checked 29 Oct 2026
Source and check
Source
foldapp.com
Wording at the source
Address: 2942 North 24th Street, Suite 115, #42035, Phoenix, Arizona 85016Checked Verified |
| Legal form | Inc.
foldapp.com checked 29 Oct 2026
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
foldapp.com checked 29 Oct 2026
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 85016Checked Verified |
Ownership
| Ownership | Subsidiary
blog.foldapp.com checked 29 Oct 2026
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 |
|---|
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 2026-10-29
Licences
Licence of the card issuer Sutton Bank
-
Federal Deposit Insurance Corporation (FDIC)
api.fdic.gov checked 29 Oct 2026
Source and check
Source
api.fdic.gov
Wording at the source
"ACTIVE": 1, "CERT": 5962, "CHRTAGNT": "STATE", "ID": "5962", "NAME": "Sutton Bank", "STNAME": "Ohio"
Checked Verified What does [s] mean? Bank licence 5962 (US) Register entry
What users report
No community reports evaluated yet.
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.
Methodology and weights-
CostsWeight 25 %22.6 of 25 points
monthly/annual fee, top-up, FX and ATM fees
-
KYC and privacyWeight 20 %7.0 of 20 points
KYC class needed, KYC-free allowance
-
FeaturesWeight 15 %11.5 of 15 points
wallets, physical card, ATM, assets, chains
-
AvailabilityWeight 10 %1.7 of 10 points
number of countries, EU/US/UK
-
RewardsWeight 10 %3.5 of 10 points
cashback considering caps and staking requirements
-
TrustWeight 10 %9.0 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 % 84
- OwnershipWeight 10 % 80
- Security evidenceWeight 15 % not scored
- TransparencyWeight 10 % 86
- Incidents (12 months)Weight 15 % 100
-
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
-
GlobeNewswire NeutralFold to Release Third Quarter 2026 Results November 10th
Assessment: Fold announces the date of its Q3 2026 results release; no card terms are changed.
-
Stock Titan NeutralFold 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 Card and Fold, with evidence for every alert.
Changelog
New card image.
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.
Changes to reward programmes.
Score changed from 58.83 to 60.33.
Changes to licences.
Score changed from 58.41 to 58.83.
Changes to licences.
Score changed from 59.29 to 59.43.
Changes to KYC levels and requirements.
Score changed from 56.29 to 59.29.
Changes to licences.
Changes to reward programmes.
Apply for Fold 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.