Ledger
Fold Card
Fold CardFold Card
VisaPlastic onlySince 2020Asks for a documentOperational
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.
Total, per $100 spent: $0.00per $100 spent
It takes nothing at all. 173 of the 174 priced cards cost more. Among the 101 that ask for exactly as much identity, the median is $1.00.
Open foldapp.comNot a paid link: we earn nothing either way.
Whether to take Fold Card
In its favour
- 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
Against it
- 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
Also true, in its favour
- 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)
What Fold Card costs
| Charge | What it costs |
|---|---|
| To get the card | |
| To issue the card | $0.00 |
| Monthly | $0.00 |
| To put money in | |
| To load | 0% |
| To spend it | |
| To spend | 0% |
| Total, per $100 spent | $0.00 |
Not published by the issuer: per payment, fixed, to spend outside the dollar, at a cash machine.
Read off foldapp.com on July 21, 2026.
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.
KYC: what Fold Card asks for
A government document. Passport or ID goes to the issuer and to whoever processes verification for it, before the card is handed over.
Asks nothing7 cards
An email18 cards
A light check — a name and a phone, unverified9 cards
A document102 cards
Everything — document, face, address114 cards
Limits on spending
Monthly spend$50,000
Daily spend$15,000
Per payment$15,000
Maximum balance$30,000
Cash, per day$1,000
Confirmed on foldapp.com on July 21, 2026. A figure told to one person in a chat window is not a published limit, so it does not appear here.
Where it works
WalletsApple Pay and Google Pay
Accepted whereOnline, in person, cash machines
Account detailsNone — it is a card, not an account
Coins in1BTC
Chains1Bitcoin
Closed to residents of 45 countries, according to the issuer's own terms.
- Afghanistan
- Argentina
- Australia
- Belarus
- Brazil
- Canada
- Chile
- China
- Colombia
- Cuba
- Egypt
- France
- Germany
- India
- Indonesia
- Iran
- Israel
- Italy
- Japan
- Malaysia
- Mexico
- Myanmar
- Netherlands
- New Zealand
- Nigeria
- North Korea
- Peru
- Philippines
- Poland
- Portugal
- Russia
- Saudi Arabia
- Singapore
- South Africa
- South Korea
- Spain
- Sudan
- Syria
- Thailand
- Turkey
- Ukraine
- United Arab Emirates
- United Kingdom
- Venezuela
- Vietnam
The other flaws
- 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
How we checked this
Thirteen fields are tracked for every service. 11 of them carry a figure we read off foldapp.com on July 21, 2026.
- Issuer's page
- Cost per $100 · Loading charge · Per-payment charge · Issuance · Monthly · Spending limits · Maximum balance · Apple Pay and Google Pay
- Sign-up flow
- Identity level
- Live check
- Operating status
- Terms
- Countries closed
- The issuer does not publish
- Currency conversion · Cash machine charge
Nothing here came from a press release, an affiliate sheet, or another comparison site.
Open foldapp.comNot a paid link: we earn nothing either way.
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