Fold Bitcoin Credit Card Fold+
A plan byFold Bitcoin Credit Card
Fold offers a Visa credit card with Bitcoin rewards, providing up to 4% cashback in BTC on spending. It relies, however, on a revolving credit model and is available only in the United States.
Fold+
- Price
- €8
- Issuance fee
- Free
- Cashback
- 1.5%
- Cashback currency
- BTC
- Required staking
- Nessuno
- ATM limit
- $250/transazione, $1.000/giorno, $1.000/mese
- Net annual cost
- €100
What's included
- Everything in the free plan
- Zero-fee bitcoin buys and sells
- Up to 15% merchant boosts and 1.5% category boosts
- No ATM or international fees
- Up to 3 authorised users
- Send/receive bitcoin on-chain
Data & conditions
| Account fee | Free |
|---|---|
| IBAN | condiviso |
| Multi-currency | No (single currency) |
| Outbound transfers to third-party IBANs | No |
| Utility direct billing | No |
| SEPA direct debit (SDD) | No |
| On-chain crypto withdrawal | Yes |
| Interest on balance | 0% |
| ATM withdrawal | not declared |
| Free ATM limit | $250/transazione, $1.000/giorno, $1.000/mese |
| Fund custody | Custodial (platform holds funds) |
| KYC | Full |
| Supported countries | US · 1+ countries |
| Regulator | none |
| OAM Italy registration | No |
| Segment | B2C |
| MiCA / License status | none |
Strengths
- Visa credit card with Bitcoin rewards: 1.5% base with no cap, up to 4% with bonuses.
- No notable sovereignty advantage documented.
Weaknesses
- Revolving credit model; available only in the USA.
- Custodial: the platform holds your funds and can freeze or lose them.
- Full KYC required: verified identity, zero pseudonymity.
Verdict
The A tier reflects a product effectively governed by the Visa network (issued by Celtic Bank) and a credit card with Bitcoin rewards from 1.5% up to 4%, but protection should be read with care: the model is revolving credit, with the debt risks that entails, and it is US-only. No dedicated regulator is cited, and the BTC rewards expose the user to volatility.
Through this lens Fold is weak: a very low privacy score, centralised custody and full KYC for a conventional credit card that merely pays in Bitcoin. Its only crypto-native trait is the BTC reward on the Bitcoin chain, but the user holds no keys and escapes none of the issuer's control.
Promp's editorial rating based on real fees and net annual cost. Promp reviews third-party products independently.
"Sovereignty" rating: score computed on privacy/anonymity (30%), fund control (20%), censorship resistance (20%), trustless/auditability (20%) and costs (10%). Same data, different weights.
FAQ
Is Fold Bitcoin Credit Card a real bank?
No: Fold is a financial services company, not a bank. The credit card is issued by Celtic Bank pursuant to a Visa licence, while USD balances in the Fold account are held at Sutton Bank with FDIC pass-through insurance up to $250,000. Bitcoin holdings are not FDIC-insured.
Can I send transfers to third-party IBANs with Fold Bitcoin Credit Card?
The ability to send transfers to third-party IBANs is not documented; check the official website.
Does Fold Bitcoin Credit Card support direct debits and utility billing?
SEPA direct debit (SDD): not documented. Utility-bill domiciliation: not documented.
Which fiat currencies does Fold Bitcoin Credit Card support?
The number of supported fiat currencies is not documented. Multi-currency accounts: not supported.
Can I withdraw crypto on-chain from Fold Bitcoin Credit Card?
Yes: Fold lets you send and receive bitcoin on-chain from your account (included in the Fold+ plan); standard network fees apply.
Sources
- Official service page Plans & pricing · Regulatory framework · OAM Italy registry · ATM limits · +4 Data verified on Jul 20, 2026
- globenewswire.com Registered office Data verified on Jul 20, 2026
- suttonbank.com ATM limits Data verified on Jul 20, 2026
- blog.foldapp.com Data verified on Jun 15, 2026
Show 8 more sources
- stocktitan.net Data verified on Jun 15, 2026
- support.foldapp.com Deposit guarantee · Savings interest · On-chain crypto withdrawals Data verified on Jun 15, 2026
- tracxn.com Latest funding round · Investors Data verified on Jun 15, 2026
- bitcoinmagazine.com Company profile Data verified on Jun 14, 2026
- investor.foldapp.com Issuer Data verified on Jun 14, 2026
- news.futunn.com Plans & pricing Data verified on Jun 14, 2026
- rootdata.com Issuer Data verified on Jun 14, 2026
- trustpilot.com Trust & safety Data verified on Jun 14, 2026