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Fold Bitcoin Rewards Credit Card

Issued via Celtic Bank · Card currency USD

Custody
Not applicable
Network
Visa
Card types
Virtual + physical
Card product
Credit
Wallets
Apple Pay, Google Pay

Shipping countries are not published.

Partly verified · 6 of 12 key facts · last checked 15 Oct 2026 · aging

Facts reviewed by

Review

What it is

Fold Bitcoin Rewards Credit Card is a crypto card that comes as a virtual and a physical card. It is a credit card. It is issued by Celtic Bank. Payments run on the Visa network. The card currency is USD.

Funding and spending

It is funded with fiat money.

Fees

It has no annual fee. The foreign currency fee is 0%. The FX markup is 0%. We have not verified the card issuance fee, monthly fee, crypto conversion spread, top-up fee and ATM withdrawal fee yet.

Limits and rewards

The issuer says you cannot withdraw cash at ATMs. It pays 1.5% to 5% back on card spend, depending on tier. Rewards are paid in bitcoin. The 1.5% rate applies without extra conditions, and a condition such as a paid plan or a minimum balance raises it to 5%. It works with Apple Pay and Google Pay.

How we check

We last checked this card on 15 Oct 2026, against 5 official issuer pages. The tables below show the source and the check date of every value we have verified. Facts not listed here are unknown so far.

Tiers compared

Fees, limits and the reward rate for each tier. A cell that says Not verified has no checked figure yet.
Fee or limit$100,000$15,000$25,000$50,000$75,000Less than $15,000
Back on card spend5%1.75%2%3%4%1.5%

Fees, limits and the reward rate for each tier. A cell that says Not verified has no checked figure yet.

Pros and cons of Fold Bitcoin Rewards Credit Card

Pros

  • No annual fee
  • No foreign exchange fee
  • 1.5% back, up to 5% with a paid plan, a lock or a minimum balance
  • Works with Apple Pay and Google Pay
  • Comes as a virtual and a physical card

Cons

  • 6 of 12 key facts are not verified yet

Who it suits

  • Frequent travellers, as there is no foreign exchange fee
  • People who want cashback on everyday spending

Built only from facts we have verified. Anything we have not verified is left out.

Fees

Amounts in the card currency, as the issuer publishes them
Virtual card issuance
Unknown
Physical card issuance
Unknown
Annual fee
Free
Checked 02 Oct 2026agingsource
Foreign currency (FX)
?
Charged on payments in a currency other than the card currency.
0%
Checked 02 Oct 2026agingsource
Crypto conversion spread
?
Charged when crypto is converted into the card currency.
Unknown
ATM withdrawal
Unknown
Top-up
Unknown
Inactivity
Unknown
Card replacement
USD 20
The first two replacement cards requested in a rolling 12-month period are free; $20 per card for each subsequent replacement in that period.
Verified 22 Oct 2026source
FX markup
?
A margin added on top of the exchange rate when a payment is converted.
0%
Checked 02 Oct 2026agingsource
Credit interest (APR)
Varies
20.49% to 29.49% variable APR, based on your creditworthiness.
Verified 22 Oct 2026source

Limits

Daily spend
Unknown
Monthly spend
Unknown
ATM per day
Unknown
Top-up per day
Unknown

Rewards

No country limit
No token staking needed
Paid in bitcoin
Back on card spend
1.5%
Qualifying Purchase Transactions only; base rate is uncapped
Checked 02 Oct 2026agingsource
Tier Less than $15,000Back on card spend
1.5%
Reserve Balance below $15,000 earns only the Base Rewards Rate, with no Reserve Boost.
Verified 22 Oct 2026source
Tier $15,000Back on card spend
1.75%
Total rate (1.5% base plus 0.25% Reserve Boost) by Fold Reserve balance of at least $15,000; applies to the first 5,000 USD of qualifying purchases each calendar month, base rate only above that
Checked 02 Oct 2026agingsource
Tier $25,000Back on card spend
2%
Total rate (1.5% base plus 0.50% Reserve Boost) by Fold Reserve balance of at least $25,000; applies to the first 5,000 USD of qualifying purchases each calendar month, base rate only above that
Checked 02 Oct 2026agingsource
Tier $50,000Back on card spend
3%
Total rate (1.5% base plus 1.50% Reserve Boost) by Fold Reserve balance of at least $50,000; applies to the first 5,000 USD of qualifying purchases each calendar month, base rate only above that
Checked 02 Oct 2026agingsource
Tier $75,000Back on card spend
4%
Total rate (1.5% base plus 2.50% Reserve Boost) by Fold Reserve balance of at least $75,000; applies to the first 5,000 USD of qualifying purchases each calendar month, base rate only above that
Checked 02 Oct 2026agingsource
Tier $100,000Back on card spend
5%
Total rate (1.5% base plus 3.50% Reserve Boost) by Fold Reserve balance of at least $100,000; applies to the first 5,000 USD of qualifying purchases each calendar month, base rate only above that
Checked 02 Oct 2026agingsource

Top-up assets and networks

UnknownWe don't know yet which assets and networks this card accepts.

Access and funding

Identity check (KYC)
Not verified
ATM withdrawals
No
The issuer says the card cannot be used to withdraw cash.
Checked 07 Oct 2026agingsource
Reloadable
Not verified
Top-up methods
Not verified

Where it's available

Applying for the card and using it are tracked separately.

Shipping countries are not published, so there is no shipping column.

Rules the issuer states

  • The Fold Bitcoin Credit Card should be recognized internationally anywhere Visa is accepted.Checked 04 Oct 2026agingsource

Every country below was checked against the same source:Checked 04 Oct 2026agingsource

Country
Can apply
Card works
🇦🇫 AfghanistanUse of Fold Cards is restricted by Federal and Banking regulations.
Unknown
No
🇦🇽 Åland Islands
Unknown
Yes
🇦🇱 AlbaniaUse of Fold Cards is restricted by Federal and Banking regulations.
Unknown
No
🇩🇿 Algeria
Unknown
Yes
🇦🇸 American Samoa
Unknown
Yes
🇦🇩 Andorra
Unknown
Yes
🇦🇴 Angola
Unknown
Yes
🇦🇮 Anguilla
Unknown
Yes
🇦🇬 Antigua & BarbudaUse of Fold Cards is restricted by Federal and Banking regulations.
Unknown
No
🇦🇷 Argentina
Unknown
Yes
🇦🇲 Armenia
Unknown
Yes
🇦🇼 Aruba
Unknown
Yes
🇦🇨 Ascension Island
Unknown
Yes
🇦🇺 Australia
Unknown
Yes
🇦🇹 Austria
Unknown
Yes
🇦🇿 AzerbaijanUse of Fold Cards is restricted by Federal and Banking regulations.
Unknown
No
🇧🇸 BahamasUse of Fold Cards is restricted by Federal and Banking regulations.
Unknown
No
🇧🇭 BahrainUse of Fold Cards is restricted by Federal and Banking regulations.
Unknown
No
🇧🇩 BangladeshUse of Fold Cards is restricted by Federal and Banking regulations.
Unknown
No
🇧🇧 BarbadosUse of Fold Cards is restricted by Federal and Banking regulations.
Unknown
No
🇧🇾 BelarusUse of Fold Cards is restricted by Federal and Banking regulations.
Unknown
No
🇧🇪 Belgium
Unknown
Yes
🇧🇿 BelizeUse of Fold Cards is restricted by Federal and Banking regulations.
Unknown
No
🇧🇯 Benin
Unknown
Yes
🇧🇲 BermudaUse of Fold Cards is restricted by Federal and Banking regulations.
Unknown
No
🇧🇹 Bhutan
Unknown
Yes
🇧🇴 BoliviaUse of Fold Cards is restricted by Federal and Banking regulations.
Unknown
No
🇧🇦 Bosnia & HerzegovinaUse of Fold Cards is restricted by Federal and Banking regulations.
Unknown
No
🇧🇼 Botswana
Unknown
Yes
🇧🇷 Brazil
Unknown
Yes
🇮🇴 British Indian Ocean Territory
Unknown
Yes
🇻🇬 British Virgin IslandsUse of Fold Cards is restricted by Federal and Banking regulations.
Unknown
No
🇧🇳 Brunei
Unknown
Yes
🇧🇬 Bulgaria
Unknown
Yes
🇧🇫 Burkina Faso
Unknown
Yes
🇧🇮 Burundi
Unknown
Yes
🇰🇭 CambodiaUse of Fold Cards is restricted by Federal and Banking regulations.
Unknown
No
🇨🇲 Cameroon
Unknown
Yes
🇨🇦 Canada
Unknown
Yes
🇨🇻 Cape Verde
Unknown
Yes
🇧🇶 Caribbean Netherlands
Unknown
Yes
🇰🇾 Cayman Islands
Unknown
Yes
🇨🇫 Central African Republic
Unknown
Yes
🇹🇩 ChadUse of Fold Cards is restricted by Federal and Banking regulations.
Unknown
No
🇨🇱 Chile
Unknown
Yes
🇨🇳 China
Unknown
Yes
🇨🇽 Christmas Island
Unknown
Yes
🇨🇨 Cocos (Keeling) Islands
Unknown
Yes
🇨🇴 ColombiaUse of Fold Cards is restricted by Federal and Banking regulations.
Unknown
No
🇰🇲 Comoros
Unknown
Yes
🇨🇰 Cook IslandsUse of Fold Cards is restricted by Federal and Banking regulations.
Unknown
No
🇨🇷 Costa Rica
Unknown
Yes
🇨🇮 Côte d’Ivoire
Unknown
Yes
🇭🇷 Croatia
Unknown
Yes
🇨🇺 CubaUse of Fold Cards is restricted by Federal and Banking regulations.
Unknown
No
🇨🇼 Curaçao
Unknown
Yes
🇨🇾 CyprusUse of Fold Cards is restricted by Federal and Banking regulations.
Unknown
No
🇨🇿 Czechia
Unknown
Yes
🇩🇰 Denmark
Unknown
Yes
🇩🇯 Djibouti
Unknown
Yes
🇩🇲 DominicaUse of Fold Cards is restricted by Federal and Banking regulations.
Unknown
No
🇩🇴 Dominican RepublicUse of Fold Cards is restricted by Federal and Banking regulations.
Unknown
No
🇨🇩 DR Congo
Unknown
Yes
🇪🇨 EcuadorUse of Fold Cards is restricted by Federal and Banking regulations.
Unknown
No
🇪🇬 EgyptUse of Fold Cards is restricted by Federal and Banking regulations.
Unknown
No
🇸🇻 El SalvadorUse of Fold Cards is restricted by Federal and Banking regulations.
Unknown
No
🇬🇶 Equatorial Guinea
Unknown
Yes
🇪🇷 EritreaUse of Fold Cards is restricted by Federal and Banking regulations.
Unknown
No
🇪🇪 Estonia
Unknown
Yes
🇸🇿 Eswatini
Unknown
Yes
🇪🇹 Ethiopia
Unknown
Yes
🇫🇰 Falkland Islands
Unknown
Yes
🇫🇴 Faroe Islands
Unknown
Yes
🇫🇯 Fiji
Unknown
Yes
🇫🇮 Finland
Unknown
Yes
🇫🇷 France
Unknown
Yes
🇬🇫 French Guiana
Unknown
Yes
🇵🇫 French Polynesia
Unknown
Yes
🇬🇦 Gabon
Unknown
Yes
🇬🇲 Gambia
Unknown
Yes
🇬🇪 Georgia
Unknown
Yes
🇩🇪 Germany
Unknown
Yes
🇬🇭 Ghana
Unknown
Yes
🇬🇮 GibraltarUse of Fold Cards is restricted by Federal and Banking regulations.
Unknown
No
🇬🇷 Greece
Unknown
Yes
🇬🇱 Greenland
Unknown
Yes
🇬🇩 GrenadaUse of Fold Cards is restricted by Federal and Banking regulations.
Unknown
No
🇬🇵 Guadeloupe
Unknown
Yes
🇬🇺 Guam
Unknown
Yes
🇬🇹 GuatemalaUse of Fold Cards is restricted by Federal and Banking regulations.
Unknown
No
🇬🇬 GuernseyUse of Fold Cards is restricted by Federal and Banking regulations.
Unknown
No
🇬🇳 Guinea
Unknown
Yes
🇬🇼 Guinea-BissauUse of Fold Cards is restricted by Federal and Banking regulations.
Unknown
No
🇬🇾 GuyanaUse of Fold Cards is restricted by Federal and Banking regulations.
Unknown
No
🇭🇹 Haiti
Unknown
Yes
🇭🇳 HondurasUse of Fold Cards is restricted by Federal and Banking regulations.
Unknown
No
🇭🇰 Hong KongUse of Fold Cards is restricted by Federal and Banking regulations.
Unknown
No
🇭🇺 HungaryUse of Fold Cards is restricted by Federal and Banking regulations.
Unknown
No
🇮🇸 Iceland
Unknown
Yes
🇮🇳 India
Unknown
Yes
🇮🇩 IndonesiaUse of Fold Cards is restricted by Federal and Banking regulations.
Unknown
No
🇮🇷 IranUse of Fold Cards is restricted by Federal and Banking regulations.
Unknown
No
🇮🇶 IraqUse of Fold Cards is restricted by Federal and Banking regulations.
Unknown
No
🇮🇪 Ireland
Unknown
Yes
🇮🇲 Isle of ManUse of Fold Cards is restricted by Federal and Banking regulations.
Unknown
No
🇮🇱 Israel
Unknown
Yes
🇮🇹 Italy
Unknown
Yes
🇯🇲 JamaicaUse of Fold Cards is restricted by Federal and Banking regulations.
Unknown
No
🇯🇵 Japan
Unknown
Yes
🇯🇪 JerseyUse of Fold Cards is restricted by Federal and Banking regulations.
Unknown
No
🇯🇴 JordanUse of Fold Cards is restricted by Federal and Banking regulations.
Unknown
No
🇰🇿 Kazakhstan
Unknown
Yes
🇰🇪 KenyaUse of Fold Cards is restricted by Federal and Banking regulations.
Unknown
No
🇰🇮 Kiribati
Unknown
Yes
🇽🇰 Kosovo
Unknown
Yes
🇰🇼 Kuwait
Unknown
Yes
🇰🇬 Kyrgyzstan
Unknown
Yes
🇱🇦 Laos
Unknown
Yes
🇱🇻 Latvia
Unknown
Yes
🇱🇧 LebanonUse of Fold Cards is restricted by Federal and Banking regulations.
Unknown
No
🇱🇸 Lesotho
Unknown
Yes
🇱🇷 LiberiaUse of Fold Cards is restricted by Federal and Banking regulations.
Unknown
No
🇱🇾 LibyaUse of Fold Cards is restricted by Federal and Banking regulations.
Unknown
No
🇱🇮 LiechtensteinUse of Fold Cards is restricted by Federal and Banking regulations.
Unknown
No
🇱🇹 Lithuania
Unknown
Yes
🇱🇺 Luxembourg
Unknown
Yes
🇲🇴 Macao
Unknown
Yes
🇲🇬 Madagascar
Unknown
Yes
🇲🇼 Malawi
Unknown
Yes
🇲🇾 Malaysia
Unknown
Yes
🇲🇻 MaldivesUse of Fold Cards is restricted by Federal and Banking regulations.
Unknown
No
🇲🇱 Mali
Unknown
Yes
🇲🇹 Malta
Unknown
Yes
🇲🇭 Marshall Islands
Unknown
Yes
🇲🇶 Martinique
Unknown
Yes
🇲🇷 Mauritania
Unknown
Yes
🇲🇺 Mauritius
Unknown
Yes
🇾🇹 Mayotte
Unknown
Yes
🇲🇽 Mexico
Unknown
Yes
🇫🇲 Micronesia
Unknown
Yes
🇲🇩 Moldova
Unknown
Yes
🇲🇨 MonacoUse of Fold Cards is restricted by Federal and Banking regulations.
Unknown
No
🇲🇳 MongoliaUse of Fold Cards is restricted by Federal and Banking regulations.
Unknown
No
🇲🇪 Montenegro
Unknown
Yes
🇲🇸 Montserrat
Unknown
Yes
🇲🇦 MoroccoUse of Fold Cards is restricted by Federal and Banking regulations.
Unknown
No
🇲🇿 Mozambique
Unknown
Yes
🇲🇲 Myanmar (Burma)Use of Fold Cards is restricted by Federal and Banking regulations.
Unknown
No
🇳🇦 Namibia
Unknown
Yes
🇳🇷 Nauru
Unknown
Yes
🇳🇵 Nepal
Unknown
Yes
🇳🇱 Netherlands
Unknown
Yes
🇳🇨 New Caledonia
Unknown
Yes
🇳🇿 New Zealand
Unknown
Yes
🇳🇮 NicaraguaUse of Fold Cards is restricted by Federal and Banking regulations.
Unknown
No
🇳🇪 Niger
Unknown
Yes
🇳🇬 Nigeria
Unknown
Yes
🇳🇺 Niue
Unknown
Yes
🇳🇫 Norfolk Island
Unknown
Yes
🇰🇵 North KoreaUse of Fold Cards is restricted by Federal and Banking regulations.
Unknown
No
🇲🇰 North MacedoniaUse of Fold Cards is restricted by Federal and Banking regulations.
Unknown
No
🇲🇵 Northern Mariana Islands
Unknown
Yes
🇳🇴 Norway
Unknown
Yes
🇴🇲 OmanUse of Fold Cards is restricted by Federal and Banking regulations.
Unknown
No
🇵🇰 PakistanUse of Fold Cards is restricted by Federal and Banking regulations.
Unknown
No
🇵🇼 Palau
Unknown
Yes
🇵🇸 Palestine
Unknown
Yes
🇵🇦 PanamaUse of Fold Cards is restricted by Federal and Banking regulations.
Unknown
No
🇵🇬 Papua New GuineaUse of Fold Cards is restricted by Federal and Banking regulations.
Unknown
No
🇵🇾 ParaguayUse of Fold Cards is restricted by Federal and Banking regulations.
Unknown
No
🇵🇪 PeruUse of Fold Cards is restricted by Federal and Banking regulations.
Unknown
No
🇵🇭 PhilippinesUse of Fold Cards is restricted by Federal and Banking regulations.
Unknown
No
🇵🇳 Pitcairn Islands
Unknown
Yes
🇵🇱 Poland
Unknown
Yes
🇵🇹 Portugal
Unknown
Yes
🇵🇷 Puerto Rico
Unknown
Yes
🇶🇦 QatarUse of Fold Cards is restricted by Federal and Banking regulations.
Unknown
No
🇨🇬 Republic of the Congo
Unknown
Yes
🇷🇪 Réunion
Unknown
Yes
🇷🇴 Romania
Unknown
Yes
🇷🇺 RussiaUse of Fold Cards is restricted by Federal and Banking regulations.
Unknown
No
🇷🇼 Rwanda
Unknown
Yes
🇼🇸 Samoa
Unknown
Yes
🇸🇲 San Marino
Unknown
Yes
🇸🇹 São Tomé & Príncipe
Unknown
Yes
🇸🇦 Saudi ArabiaUse of Fold Cards is restricted by Federal and Banking regulations.
Unknown
No
🇸🇳 Senegal
Unknown
Yes
🇷🇸 SerbiaUse of Fold Cards is restricted by Federal and Banking regulations.
Unknown
No
🇸🇨 SeychellesUse of Fold Cards is restricted by Federal and Banking regulations.
Unknown
No
🇸🇱 Sierra LeoneUse of Fold Cards is restricted by Federal and Banking regulations.
Unknown
No
🇸🇬 Singapore
Unknown
Yes
🇸🇽 Sint Maarten
Unknown
Yes
🇸🇰 Slovakia
Unknown
Yes
🇸🇮 Slovenia
Unknown
Yes
🇸🇧 Solomon IslandsUse of Fold Cards is restricted by Federal and Banking regulations.
Unknown
No
🇸🇴 SomaliaUse of Fold Cards is restricted by Federal and Banking regulations.
Unknown
No
🇿🇦 South AfricaUse of Fold Cards is restricted by Federal and Banking regulations.
Unknown
No
🇰🇷 South Korea
Unknown
Yes
🇸🇸 South SudanUse of Fold Cards is restricted by Federal and Banking regulations.
Unknown
No
🇪🇸 Spain
Unknown
Yes
🇱🇰 Sri Lanka
Unknown
Yes
🇧🇱 St Barthélemy
Unknown
Yes
🇸🇭 St Helena
Unknown
Yes
🇰🇳 St Kitts & NevisUse of Fold Cards is restricted by Federal and Banking regulations.
Unknown
No
🇱🇨 St LuciaUse of Fold Cards is restricted by Federal and Banking regulations.
Unknown
No
🇲🇫 St MartinUse of Fold Cards is restricted by Federal and Banking regulations.
Unknown
No
🇵🇲 St Pierre & Miquelon
Unknown
Yes
🇻🇨 St Vincent & the Grenadines
Unknown
Yes
🇸🇩 SudanUse of Fold Cards is restricted by Federal and Banking regulations.
Unknown
No
🇸🇷 SurinameUse of Fold Cards is restricted by Federal and Banking regulations.
Unknown
No
🇸🇯 Svalbard & Jan Mayen
Unknown
Yes
🇸🇪 Sweden
Unknown
Yes
🇨🇭 Switzerland
Unknown
Yes
🇸🇾 SyriaUse of Fold Cards is restricted by Federal and Banking regulations.
Unknown
No
🇹🇼 Taiwan
Unknown
Yes
🇹🇯 Tajikistan
Unknown
Yes
🇹🇿 Tanzania
Unknown
Yes
🇹🇭 Thailand
Unknown
Yes
🇹🇱 Timor-Leste
Unknown
Yes
🇹🇬 Togo
Unknown
Yes
🇹🇰 Tokelau
Unknown
Yes
🇹🇴 Tonga
Unknown
Yes
🇹🇹 Trinidad & Tobago
Unknown
Yes
🇹🇦 Tristan da Cunha
Unknown
Yes
🇹🇳 Tunisia
Unknown
Yes
🇹🇷 TürkiyeUse of Fold Cards is restricted by Federal and Banking regulations.
Unknown
No
🇹🇲 Turkmenistan
Unknown
Yes
🇹🇨 Turks & Caicos IslandsUse of Fold Cards is restricted by Federal and Banking regulations.
Unknown
No
🇹🇻 Tuvalu
Unknown
Yes
🇺🇬 Uganda
Unknown
Yes
🇺🇦 UkraineUse of Fold Cards is restricted by Federal and Banking regulations.
Unknown
No
🇦🇪 United Arab Emirates
Unknown
Yes
🇬🇧 United Kingdom
Unknown
Yes
🇺🇸 United States
Unknown
Yes
🇺🇾 Uruguay
Unknown
Yes
🇺🇲 US Outlying Islands
Unknown
Yes
🇻🇮 US Virgin Islands
Unknown
Yes
🇺🇿 Uzbekistan
Unknown
Yes
🇻🇺 VanuatuUse of Fold Cards is restricted by Federal and Banking regulations.
Unknown
No
🇻🇦 Vatican City
Unknown
Yes
🇻🇪 VenezuelaUse of Fold Cards is restricted by Federal and Banking regulations.
Unknown
No
🇻🇳 VietnamUse of Fold Cards is restricted by Federal and Banking regulations.
Unknown
No
🇼🇫 Wallis & Futuna
Unknown
Yes
🇪🇭 Western Sahara
Unknown
Yes
🇾🇪 YemenUse of Fold Cards is restricted by Federal and Banking regulations.
Unknown
No
🇿🇲 Zambia
Unknown
Yes
🇿🇼 ZimbabweUse of Fold Cards is restricted by Federal and Banking regulations.
Unknown
No

Frequently asked questions about Fold Bitcoin Rewards Credit Card

Who issues Fold Bitcoin Rewards Credit Card?

Fold Bitcoin Rewards Credit Card is issued by Celtic Bank. Payments run on the Visa network.

Is Fold Bitcoin Rewards Credit Card a virtual or a physical card?

Fold Bitcoin Rewards Credit Card comes as both a virtual and a physical card.

Can I withdraw cash from an ATM with Fold Bitcoin Rewards Credit Card?

No. The issuer says you cannot withdraw cash at ATMs.

Does Fold Bitcoin Rewards Credit Card work with Apple Pay and Google Pay?

It works with Apple Pay and Google Pay.

Does Fold Bitcoin Rewards Credit Card have an annual fee?

No. Fold Bitcoin Rewards Credit Card has no annual fee.

What does Fold Bitcoin Rewards Credit Card charge on payments in a foreign currency?

The foreign currency fee is 0%. The FX markup is 0%.

Does Fold Bitcoin Rewards Credit Card pay cashback?

Yes. It pays 1.5% to 5% back on card spend, depending on tier. Rewards are paid in bitcoin.

Sources

Compare Fold Bitcoin Rewards Credit Card with