TL;DR.Fold Card is a Visa crypto debit card (Physical, KYC: Light KYC). Cost per $100 spent: $0. Top-up fee 0%, FX fee n/a. Wallet support: Apple Pay + Google Pay. Status: operational. Last verified: May 1, 2026.
CARD PROFILE · LIGHT KYC
Fold Card.
US-only Visa prepaid debit card from a publicly traded bitcoin-finance company (Fold Holdings, Nasdaq: FLD). Pays cashback rewards in BTC, integrates with an ACH-enabled cash balance, and is FDIC-insured pass-through to $250,000 through Sutton Bank. Pairs gamified 'wheel-spin' sats with everyday spend.
Cost / $100
$0.00
Top-up fee
Free
Network
Visa
Card type
Physical
IBAN
No
Monthly limit
—
Status
Operational
Pros.
- +Bitcoin rewards on every purchase (Fold+ members) — paid in BTC
- +Visa Prepaid Debit — accepted wherever Visa is accepted
- +FDIC pass-through up to $250,000 via Sutton Bank
- +ACH account & routing number — direct deposit, ACH bill pay
- +Gift-card rewards and wheel spins for extra sats
- +Up to 1.5% back on ACH bill pay (Fold+)
- +Up to 3 authorised users / dedicated cards (Fold+)
- +'Push to Card' — instant BTC-to-card conversion
- +Issued by Sutton Bank, Member FDIC
- +Publicly traded company (Fold Holdings, Nasdaq: FLD)
Cons.
- −⚠️ US residents only — not available outside the United States
- −BTC only — no altcoins, no stablecoins on the card
- −Fold+ membership $10/mo (or $100/yr) required for full cashback rewards
- −Free tier earns gift-card rewards / wheel spins only — no flat % cashback
- −Specific debit-card fees (ATM, FX, replacement) not published on public marketing pages
- −Daily / monthly / per-transaction spend limits not disclosed publicly
- −No IBAN — US ACH rails only
FEE BREAKDOWN
Detailed fee breakdown.
Top-up fee
Free
Transaction fee
0%
FX fee
—
Issuance
Free
Monthly
Free
Cost / $100
$0.00
Card itself: $0 issuance, $0 monthly. Fold+ membership $10/mo or $8.33/mo billed annually ($100/yr) unlocks full BTC cashback and zero-fee bitcoin buys. Specific ATM, FX and other debit-card fees are governed by the Prepaid Debit Cardholder Agreement (Sutton Bank) and not publicly listed in marketing pages.
COVERAGE
Where it works.
Supported coins
BTC
Chains
Bitcoin
Use cases
Online · IRL · ATM
Blocked countries
RUBYKPIRSYCUVEAFMMSDGBDEFRESITNLPLPTTRUACNJPKRINIDTHVNPHMYSGBRMXARCOCLPEAUNZCASAAEILEGZANG
WALLETS
Apple PayYes
Google PayYes
ATMYes
REPUTATION
Trustpilot
1.8/5
30 reviews
Monevia score
67/100
Verified May 1, 2026
ALTERNATIVES