Fold

Est. 2019·

🇺🇸

United States·₿ Bitcoin-only

cardrewards-loyalty

Last verified Oct 17, 2026

Founded

2019

src: Fold — Home

Company Type

Public

src: 21Rates

Ticker

FLD

src: 21Rates

Cashback

1.5%

src: Fold Bitcoin Credit Card Rewards Program Terms · as of Oct 8, 2026

Annual Fee

$0/yr

src: Fold Bitcoin Credit Card Cardholder Agreement (v2, effective 2026-09-24) · as of Sep 23, 2026

News & coverage

Overview Services Reviews Media5

About Fold

Fold is a public Bitcoin financial-services company behind the Fold app, Fold prepaid debit card, and Fold Bitcoin Credit Card. The Fold Bitcoin Credit Card is issued by Celtic Bank on the Visa network and lets approved U.S. users earn bitcoin rewards on eligible purchases, with a 1.5% base rate and potential boosts up to 4% on the first $2,000 of monthly spend through qualifying Fold activity.

✓

Key Facts

Verified data

Founded

Year the company was founded

src: Fold — Home · as of Oct 14, 2026

Cashback

Bitcoin cashback/rewards rate

src: Fold Bitcoin Credit Card Rewards Program Terms · as of Oct 8, 2026

Annual Fee

Annual card fee in USD

src: Fold Bitcoin Credit Card Cardholder Agreement (v2, effective 2026-09-24) · as of Sep 23, 2026

Network

Card network (Visa, Mastercard, etc.)

src: Fold Bitcoin Credit Card Cardholder Agreement (v2, effective 2026-09-24) · as of Sep 23, 2026

Bitcoin Only

Whether the company is exclusively Bitcoin

src: Fold — Credit card · as of Oct 14, 2026

Custody Model

Self-custody vs. third-party custody model

src: Fold — Home · as of Oct 14, 2026

Insurance

Insurance coverage details

$250M+ (via BitGo)

src: Fold — Home · as of Oct 14, 2026

Custodian

Name of the custodian holding collateral

src: Fold — Home · as of Oct 14, 2026

Stock Exchange

Primary listing exchange for this public company (e.g. NYSE, NASDAQ, TSX, OTC). Used to render EXCHANGE: TICKER on directory cards.

src: Fold — Home · as of Oct 14, 2026

Is Fold safe?

Insurance: $250M+ (via BitGo) · As of Oct 14, 2026 Source

Leadership

Will Reeves

Founder, Chief Executive Officer & Chairman of the Board

Wolfe Repass

Chief Financial Officer

Thomas Dickman

Chief Technology Officer

Matthew McManus

Chief Operating Officer

Services

Cards

Visit Compare Cards →

As of Oct 19, 2026 · Source

Bitcoin Rewards1.5 - 5%

Annual Fee$0

Card NetworkVisa

Issuing BankCeltic Bank

Card TypeCredit

Latest MediaAll 5 videos →

Fold - The Bitcoin Rewards app and Card. Earn Bitcoin on Everything with Fold

Fold - The Bitcoin Rewards app and Card. Earn Bitcoin on Everything with Fold

Will Reeves: Earn Bitcoin When You Shop with Fold App | John Vallis - Bitcoin Rapid-Fire

Will Reeves: Earn Bitcoin When You Shop with Fold App | John Vallis - Bitcoin Rapid-Fire

Fold Card - The first bitcoin rewards card

Fold Card - The first bitcoin rewards card

Recent Reviews

No reviews yet.

Company Details

Websitefoldapp.com ↗

LinkedInView profile ↗

Year formed2019

HQ countryUnited States

Founded inAustin, TX

Bitcoin onlyYes

Data Provenance

✓Facts verified by 21Rates research · Oct 17, 2026

✓1 sources cited on this page

21rates.com/companies/974/fold · structured data: Organization · Person ×4 · VideoObject ×3

Alternatives

Lender, Card issuer, Bitcoin treasury, Exchange, Custodian, Real estate · Est. 2017

Exchange, Custodian, Card issuer · Est. 2014

Exchange, Custody, Wallet, Card · Est. 2012

Fold Holdings Inc.

Card issuer · Est. 2019

Exchange, Card issuer, Payments, Bitcoin treasury, Lender · Est. 2014

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