Fold Credit Card
Bitcoin Only
Credit
Established 2019
Issued by Sutton Bank
Visa network
Rewards
Bitcoin Back2 - 3.5%
Rewards2% Bitcoin rewards instantly + up to 1.5% when paid off via Fold Checking.
BonusesFold+ members can earn up to $250 in signup bonuses. Members on a free Fold plan can earn up to $100.
Card Details
Annual Fee$0
NetworkVisa
Issuing BankSutton Bank
Card TypeCredit
Requirements
KYC RequiredYes
Bitcoin OnlyYes
Frequently Asked Questions About Fold Credit Card
Fold Credit Card offers 2 - 3.5% Bitcoin back on purchases. 2% Bitcoin rewards instantly + up to 1.5% when paid off via Fold Checking. Actual rewards may vary by purchase category and promotional periods.
The annual fee for the Fold Credit Card card is $0. Compare this against your expected Bitcoin back earnings to determine if the card is cost-effective for your spending habits.
Fold Credit Card requires identity verification (KYC) to comply with financial regulations. You will need to provide government-issued ID and other personal information during signup.
Fold Credit Card is a credit card on the Visa network. It extends a line of credit and rewards spending with Bitcoin back.
Yes, Fold Credit Card is a Bitcoin-only product. Rewards are paid exclusively in Bitcoin with no multi-coin options.
About this analysis
21Rates Editorial TeamBitcoin Financial Research Analysts
Our research team analyzes Bitcoin card products using data on rewards rates, fees, KYC requirements, and issuer reputation. We independently verify card terms and maintain up-to-date information to help you find the best Bitcoin rewards card.
Last verified: August 2026