Fold — Personal Finance Powered by Bitcoin
Fold is a financial services platform that combines a Visa rewards card with Bitcoin earning capabilities. Users earn Bitcoin (sats) on everyday purchases, can buy bitcoin with zero fees, pay bills for rewards, and even split their paycheck between cash and bitcoin. Fold has helped users stack over 73 billion sats since launching in 2019.
Key Features
- Visa Rewards Card issued by Sutton Bank, Member FDIC
- Earn Bitcoin (sats) on every card swipe, bill payment, and merchant purchase
- Buy bitcoin with zero fees (Fold+ subscribers; standard network fees may apply)
- Split paycheck between cash and bitcoin — get paid up to 3 days early
- Pay bills (mortgage, credit card, utilities) and earn rewards on eligible payments
- ATM withdrawals with no added fees (Fold+ subscribers)
- Instant buys, recurring buys, and round-ups for automatic bitcoin stacking
- Send bitcoin to any wallet for free
- USD balances may be FDIC insured up to $250,000 through Sutton Bank
- Bitcoin assets are BitGo Insured
Gift Card Marketplace
Fold also offers a gift card marketplace where users can earn sats on purchases at 5,000+ sats per gift card from major retailers including Home Depot and many others. Gift card purchases stack with card rewards for accelerated bitcoin earning.
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.
