Our verdict
US Bitcoin maximalists Availability is united states only, subject to issuer underwriting and state eligibility. use of fold cards is restricted in the following countries: afghanistan albania antigua and barbuda azerbaijan bahamas bahrain bangladesh barbados belarus belize bermuda bolivia bosnia and herzegovina burma/myanmar cambodia chad colombia congo cook islands crimea cuba cyprus dominica dominican republic ecuador egypt el salvador eritrea gibraltar grenada guatemala guernsey guinea-bissau guyana honduras hungary indonesia iran iraq isle of man jamaica jersey jordan kenya north korea lebanon liberia liechtenstein libya maldives monaco mongolia morocco nicaragua oman pakistan panama papua new guinea paraguay peru philippines qatar republic of north macedonia russia the republic of kosovo saint-martin (french part) saudi arabia serbia seychelles sierra leone solomon islands somalia south africa south sudan st. kitts and nevis st. lucia sudan suriname syrian arab republic thailand trinidad turks and caicos islands turkey ukraine vanuatu venezuela vietnam virgin island (british) yemen zimbabwe. The spreadsheet currently records free for recurring or annual fees and up to 4% back in bitcoin for rewards.
Rewards
Published reward: Up to 4% back in bitcoin. Up to 4% back in bitcoin
Stablecoin yield
Spreadsheet value: —.
Stablecoin yield may be a separate provider product or balance feature. It is not guaranteed card cashback, and rates, eligible assets and regional terms can change.
Fees
| Annual / recurring | Free |
|---|---|
| FX | 0% FX |
| Conversion | Not publicly confirmed |
| ATM | Not publicly confirmed |
| Limits | Credit limit is assigned after approval; card and rewards caps are governed by issuer terms. |
Apple Pay and Google Pay
Yes
Yes
A blank spreadsheet wallet field is shown as “Not publicly confirmed,” not “No.” Wallet support can vary by issuing region.
Custody and payment model
Custodial account. Card type: Credit. Identity checks: Full.
Availability
United States only, subject to issuer underwriting and state eligibility. Use of Fold Cards is restricted in the following countries: Afghanistan Albania Antigua and Barbuda Azerbaijan Bahamas Bahrain Bangladesh Barbados Belarus Belize Bermuda Bolivia Bosnia and Herzegovina Burma/Myanmar Cambodia Chad Colombia Congo Cook Islands Crimea Cuba Cyprus Dominica Dominican Republic Ecuador Egypt El Salvador Eritrea Gibraltar Grenada Guatemala Guernsey Guinea-Bissau Guyana Honduras Hungary Indonesia Iran Iraq Isle of Man Jamaica Jersey Jordan Kenya North Korea Lebanon Liberia Liechtenstein Libya Maldives Monaco Mongolia Morocco Nicaragua Oman Pakistan Panama Papua New Guinea Paraguay Peru Philippines Qatar Republic of North Macedonia Russia the Republic of Kosovo Saint-Martin (French Part) Saudi Arabia Serbia Seychelles Sierra Leone Solomon Islands Somalia South Africa South Sudan St. Kitts and Nevis St. Lucia Sudan Suriname Syrian Arab Republic Thailand Trinidad Turks and Caicos Islands Turkey Ukraine Vanuatu Venezuela Vietnam Virgin Island (British) Yemen Zimbabwe
Regional summary: US.
Pros and cons
Potential strengths
- + US Bitcoin maximalists
- + Official application route available
- + Product facts maintained in the Cards spreadsheet
Limitations
- − Eligibility varies by region
- − Rewards and rates can be conditional
- − Unknown fields require provider confirmation
Risks and detailed terms
Crypto conversion, custody, issuer, network, market and stablecoin risks may apply. Headline rewards and yields are not guaranteed for every user. Review the provider’s current fees, eligibility and cardholder terms before applying.
Official sources
- https://foldapp.com/card
- https://support.foldapp.com/hc/en-us/categories/47089913590299-Fold-Bitcoin-Credit-Card
- https://support.foldapp.com/hc/en-us/articles/46046640789787-How-does-Fold-s-Referral-Program-work
Last verified in the spreadsheet: 2026-07-31