Fold Card — Earn Bitcoin on Every Purchase
The Fold Card is a Visa debit card issued by Sutton Bank, Member FDIC, that rewards users with Bitcoin (sats) on everyday spending. Every card swipe, bill payment, and merchant purchase earns sats, making it the easiest way to passively accumulate Bitcoin through daily life. Since launching in 2019, Fold has helped users stack over 73 billion sats.
How It Works
Use the Fold Card like any Visa debit card. Each purchase automatically earns Bitcoin rewards deposited to your Fold wallet. Users can also buy bitcoin with zero fees (Fold+ subscribers), set up recurring buys, round-ups, and even split their paycheck between cash and bitcoin — getting paid up to 3 days early.
Insurance & Security
Fold is a financial services platform, not an FDIC-insured bank. If you have a Fold Card, accounts are subject to pass-through FDIC insurance up to $250,000 per ownership category through Sutton Bank, should Sutton Bank fail. Bitcoin assets are not FDIC insured but are custodied with BitGo insurance coverage.
Featured In
Fold has been featured in Forbes, Bloomberg, Fortune, Business Insider, and CNBC for its innovative Bitcoin rewards card and personal finance platform.
Fold pays rewards in bitcoin rather than a platform token, which puts it head to head with the Bitstack Card, the other main sats-back option for everyday spending. US cardholders comparing pure reward rates should also weigh the Gemini Credit Card, and our Best Crypto Cards directory lists both alongside every other rewards card we track.
