Costs /yr if you spend A year at $500/mo2% cashback+$120Currency fee−$108Crypto conversion−$54
2% cashback, no monthly fee
Get Bybit Card (partner link)Get card · partner link
Fold Card
Tap the card to read the small print
Your first yearCosts about/yr
- Monthly fee · none
- $0
- Cashback · 0.25%
- /yr
- Currency fee · 3%
- /yr
- ATM
- $3.50
- Your money
- Company holds it
- Sign-up
- Fold account + ID, SSN
- Apple / Google Pay
- The card itself
- Free physical card
How we calculateEstimate for everyday spending: most of it in your local currency, topping up with crypto.Checked November 10, sources in each section below
Our take
For people who spend in dollars at home and want a little bitcoin back on it. Not for you if you often pay in other currencies.
Pay in other currencies a lot? Compare with Lava Card
Good to know
- Bitcoin back on purchases
- Account and routing numbers for direct deposit
- No monthly fee
- $3 on every foreign purchase
- $3.50 per ATM withdrawal
- Higher rewards need a big Reserve balance
Fees
SourceFold Prepaid Debit Card cardholder agreement (01.10.2026) · checked November 10- Monthly fee
- $0
- Card
- $0Replacement $5 (lost or stolen)
- Paying abroad
- $3.00 per purchaseFlat fee; waived with $5,000+ in Fold Reserve
- Instant top-up by debit card
- 1.5%, max $25
- Instant withdrawal
- 1.5%, max $25
- Return of balance by check
- $5.95On closing the card
- Buying bitcoin
- Fold support, fund the card with bitcoin · November 10
- 1% + spreadNo Fold fee with a Reserve balance
Plans
No Reserve$0
- 0.25% back in bitcoin on debit purchases
Reserve $5,000–15,000Balance held in Fold Reserve
- 0.25–0.5% on debit
- No foreign or ATM fee from $5,000
Reserve $25,000–50,000Balance held in Fold Reserve
- 1–1.5% on debit, on the first $5,000 a month
Higher Reserve tiersBalance held in Fold Reserve
- Up to 3% on debit
Limits
SourceFold Prepaid Debit Card cardholder agreement (01.10.2026) · checked November 10- Spending
- $15,000 a day, $50,000 a month
- Cash
- $250 per withdrawal, $1,000 a day and a month
- Card balance
- Up to $30,000
Top up & withdraw
SourceFold Prepaid Debit Card cardholder agreement (01.10.2026) · checked November 10Top up
- Bank (ACH) or direct deposit
- Free
- Instant from a debit card
- 1.5%, max $25
- Bitcoin
- Fold support, fund the card with bitcoin · November 10
- Sell bitcoin held on Fold onto the card
Withdraw
- To a bank
- ACH free, instant 1.5% (max $25)
- Bitcoin to your own wallet
- Fold support, fund the card with bitcoin · November 10
- Yes, from the Fold bitcoin account
- Cash withdrawal
- $3.50Waived with $5,000+ in Fold Reserve; ATM owner may charge too
For residents of United States
Not on the list? Then Fold Card doesn't accept people living there yet.
- How they check where you live
- Not published
- ID from another country
- Not published
- Pays in
- Fold Prepaid Debit Card cardholder agreement (01.10.2026) · November 10
- Anywhere Visa debit works; not online gambling
Trust
SourceFold Prepaid Debit Card cardholder agreement (01.10.2026) · checked November 10- Card issued by
- Sutton Bank (program manager Marqeta; Fold, Inc. runs the app)
- Licence
- Prepaid Visa debit issued by Sutton Bank, Member FDIC, under a Visa U.S.A. licence; bitcoin held by BitGo
- Based in
- United States
Changes
- October 1Fold+ membership and its fee removed; foreign purchases $3, ATM $3.50 (free with $5,000+ in Reserve)
- November 10Fold Card: facts read from Fold's cardholder agreement and support center
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Costs /yr if you spend A year at $500/moCurrency fee−$108
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