Fold Debit CardVISA
Fold Debit Card
Issued via Sutton Bank · Card currency USD
- Custody
- Custodial
- Network
- Visa
- Card types
- Unknown
- Card product
- Prepaid
- Wallets
- Apple Pay, Google Pay
Partly verified · 11 of 12 key facts · last checked 15 Oct 2026 · aging
Facts reviewed by Andrew L.
Review
What it is
Fold Debit Card is a crypto card. It is a prepaid card. It is issued by Sutton Bank. Payments run on the Visa network. The card currency is USD.
Funding and spending
The company holds your balance, and the card spends from it. It can be funded with crypto or with fiat money. You can top it up by crypto, bank transfer and debit or credit card. You can reload it after the first load. It can be funded with BTC.
Fees
It has no card issuance fee. It has no annual fee. It has no monthly fee. The foreign currency fee is free to USD 3, depending on tier. It has no purchase fee. The crypto conversion spread is 0% to 1%, depending on tier. The top-up fee is 1.5%. The ATM withdrawal fee is free to USD 3.50, depending on tier. Some of these fees have conditions, which are listed in the fees table on this page.
Limits and rewards
You can withdraw cash at ATMs. Daily spending limit: USD 15,000. Monthly spending limit: USD 50,000. ATM withdrawal limit per day: USD 1,000. ATM withdrawal limit per month: USD 1,000. Maximum per payment: USD 15,000. It pays 0.25% to 3% back on card spend, depending on tier. Rewards are paid in BTC. The 0.25% rate applies without extra conditions, and a condition such as a paid plan or a minimum balance raises it to 3%. It works with Apple Pay and Google Pay.
Signing up
You can apply in the United States. Where the issuer states who can apply, citizens and residents of the country can.
How we check
We last checked this card on 15 Oct 2026, against 8 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
| Fee or limit | Fold Reserve | 1 | 2 | 3 | 4 | 5 | 6 |
|---|---|---|---|---|---|---|---|
| Foreign currency (FX) | Free | Not verified | Not verified | Not verified | Not verified | Not verified | Not verified |
| Crypto conversion spread | 0% | Not verified | Not verified | Not verified | Not verified | Not verified | Not verified |
| ATM withdrawal | Free | Not verified | Not verified | Not verified | Not verified | Not verified | Not verified |
| Back on card spend | Not verified | 0.25% | 0.5% | 1% | 1.5% | 2% | 3% |
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 Debit Card
Pros
- No annual or monthly fee
- No card issuance fee
- 0.25% back, up to 3% with a paid plan, a lock or a minimum balance
- Spending limit of at least USD 50,000 a month
- Works with Apple Pay and Google Pay
Cons
- So far we have verified it in the United States only
- Custodial: the issuer holds your funds
Who it suits
- Heavy spenders, as the limits are high and the fees stay low
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 themForeign currency (FX)
?
Charged on payments in a currency other than the card currency.
USD 3
Purchases at foreign merchants; some merchant transactions inside the US may also count as foreign under network rules
Checked 02 Oct 2026agingsource
Foreign currency (FX)
?
Charged on payments in a currency other than the card currency.
Tier: Fold Reserve
Free
Reserve Balance of $5,000 or more
Checked 02 Oct 2026agingsource
Crypto conversion spread
?
Charged when crypto is converted into the card currency.
1%
Non-Reserve members buying bitcoin in the Fold app; Fold spread and partner spread (about 0.10%) are charged on top
Checked 06 Oct 2026agingsource
Crypto conversion spread
?
Charged when crypto is converted into the card currency.
Tier: Fold Reserve
0%
Fold Reserve members pay no transaction fee on bitcoin buys or sells; a partner spread still applies
Checked 06 Oct 2026agingsource
ATM withdrawal
USD 3.50
Per withdrawal; the ATM operator may charge its own fee
Checked 02 Oct 2026agingsource
Top-up
1.5%
Instant transfer from another debit card; no minimum · max USD 25
Checked 02 Oct 2026agingsource
Inactivity
Free
Card Account becomes inactive after 6 consecutive months without a transaction; the fee is charged per month
Checked 02 Oct 2026agingsource
Card replacement
USD 5
Standard delivery; lost or stolen cards only; no fee to replace expired cards; waived for Fold Reserve members
Checked 02 Oct 2026agingsource
Limits
Rewards
No country limit
No token staking needed
Paid in BTC
Back on card spend
0.25%
No Reserve balance (under $5,000). Paid in bitcoin.
Checked 03 Oct 2026agingsource
Tier 1Back on card spend
0.25%
Needs a Fold Reserve balance of $5,000. Paid in bitcoin. Rewards are earned on eligible spend, not on the balance. Per Fold, a Reserve balance boosts the rate on the first $5,000 of eligible purchases each calendar month. The boost goes to one card only (credit or debit), and the credit card wins if you have it.
Checked 04 Oct 2026agingsource
Tier 2Back on card spend
0.5%
Needs a Fold Reserve balance of $15,000. Paid in bitcoin. Rewards are earned on eligible spend, not on the balance. Per Fold, a Reserve balance boosts the rate on the first $5,000 of eligible purchases each calendar month. The boost goes to one card only (credit or debit), and the credit card wins if you have it.
Checked 04 Oct 2026agingsource
Tier 3Back on card spend
1%
Needs a Fold Reserve balance of $25,000. Paid in bitcoin. Rewards are earned on eligible spend, not on the balance. Per Fold, a Reserve balance boosts the rate on the first $5,000 of eligible purchases each calendar month. The boost goes to one card only (credit or debit), and the credit card wins if you have it.
Checked 04 Oct 2026agingsource
Tier 4Back on card spend
1.5%
Needs a Fold Reserve balance of $50,000. Paid in bitcoin. Rewards are earned on eligible spend, not on the balance. Per Fold, a Reserve balance boosts the rate on the first $5,000 of eligible purchases each calendar month. The boost goes to one card only (credit or debit), and the credit card wins if you have it.
Checked 04 Oct 2026agingsource
Tier 5Back on card spend
2%
Needs a Fold Reserve balance of $75,000. Paid in bitcoin. Rewards are earned on eligible spend, not on the balance. Per Fold, a Reserve balance boosts the rate on the first $5,000 of eligible purchases each calendar month. The boost goes to one card only (credit or debit), and the credit card wins if you have it.
Checked 04 Oct 2026agingsource
Tier 6Back on card spend
3%
Needs a Fold Reserve balance of $100,000. Paid in bitcoin. Rewards are earned on eligible spend, not on the balance. Per Fold, a Reserve balance boosts the rate on the first $5,000 of eligible purchases each calendar month. The boost goes to one card only (credit or debit), and the credit card wins if you have it.
Checked 04 Oct 2026agingsource
Top-up assets and networks
- BTCNetwork not statedChecked 06 Oct 2026agingsource
Access and funding
Identity check (KYC)
Not verified
ATM withdrawals
Yes
You can withdraw cash at ATMs. The fees and limits above and below set the cost and the caps.
Checked 07 Oct 2026agingsource
Top-up methods
Crypto, Bank transfer and Debit or credit card
The ways you can add money to the card.
Checked 07 Oct 2026agingsource
Where it's available
Applying, shipping and using the card are tracked separately. A card can work in a country that it doesn't ship to.
Rules the issuer states
- The Fold Debit Card should be recognized internationally anywhere Visa is accepted.Checked 03 Oct 2026agingsource
Country
Can apply
Card works
Verified
🇦🇫 AfghanistanListed by Fold as a country where use of the card is restricted.
Unknown
No
Checked 04 Oct 2026agingsource
🇦🇱 AlbaniaListed by Fold as a country where use of the card is restricted.
Unknown
No
Checked 04 Oct 2026agingsource
🇦🇬 Antigua & BarbudaListed by Fold as a country where use of the card is restricted.
Unknown
No
Checked 04 Oct 2026agingsource
🇦🇿 AzerbaijanListed by Fold as a country where use of the card is restricted.
Unknown
No
Checked 04 Oct 2026agingsource
🇧🇸 BahamasListed by Fold as a country where use of the card is restricted.
Unknown
No
Checked 04 Oct 2026agingsource
🇧🇭 BahrainListed by Fold as a country where use of the card is restricted.
Unknown
No
Checked 04 Oct 2026agingsource
🇧🇩 BangladeshListed by Fold as a country where use of the card is restricted.
Unknown
No
Checked 04 Oct 2026agingsource
🇧🇧 BarbadosListed by Fold as a country where use of the card is restricted.
Unknown
No
Checked 04 Oct 2026agingsource
🇧🇾 BelarusListed by Fold as a country where use of the card is restricted.
Unknown
No
Checked 04 Oct 2026agingsource
🇧🇿 BelizeListed by Fold as a country where use of the card is restricted.
Unknown
No
Checked 04 Oct 2026agingsource
🇧🇲 BermudaListed by Fold as a country where use of the card is restricted.
Unknown
No
Checked 04 Oct 2026agingsource
🇧🇴 BoliviaListed by Fold as a country where use of the card is restricted.
Unknown
No
Checked 04 Oct 2026agingsource
🇧🇦 Bosnia & HerzegovinaListed by Fold as a country where use of the card is restricted.
Unknown
No
Checked 04 Oct 2026agingsource
🇻🇬 British Virgin IslandsListed by Fold as a country where use of the card is restricted.
Unknown
No
Checked 04 Oct 2026agingsource
🇰🇭 CambodiaListed by Fold as a country where use of the card is restricted.
Unknown
No
Checked 04 Oct 2026agingsource
🇹🇩 ChadListed by Fold as a country where use of the card is restricted.
Unknown
No
Checked 04 Oct 2026agingsource
🇨🇴 ColombiaListed by Fold as a country where use of the card is restricted.
Unknown
No
Checked 04 Oct 2026agingsource
🇨🇰 Cook IslandsListed by Fold as a country where use of the card is restricted.
Unknown
No
Checked 04 Oct 2026agingsource
🇨🇺 CubaListed by Fold as a country where use of the card is restricted.
Unknown
No
Checked 04 Oct 2026agingsource
🇨🇾 CyprusListed by Fold as a country where use of the card is restricted.
Unknown
No
Checked 04 Oct 2026agingsource
🇩🇲 DominicaListed by Fold as a country where use of the card is restricted.
Unknown
No
Checked 04 Oct 2026agingsource
🇩🇴 Dominican RepublicListed by Fold as a country where use of the card is restricted.
Unknown
No
Checked 04 Oct 2026agingsource
🇪🇨 EcuadorListed by Fold as a country where use of the card is restricted.
Unknown
No
Checked 04 Oct 2026agingsource
🇪🇬 EgyptListed by Fold as a country where use of the card is restricted.
Unknown
No
Checked 04 Oct 2026agingsource
🇸🇻 El SalvadorListed by Fold as a country where use of the card is restricted.
Unknown
No
Checked 04 Oct 2026agingsource
🇪🇷 EritreaListed by Fold as a country where use of the card is restricted.
Unknown
No
Checked 04 Oct 2026agingsource
🇬🇮 GibraltarListed by Fold as a country where use of the card is restricted.
Unknown
No
Checked 04 Oct 2026agingsource
🇬🇩 GrenadaListed by Fold as a country where use of the card is restricted.
Unknown
No
Checked 04 Oct 2026agingsource
🇬🇹 GuatemalaListed by Fold as a country where use of the card is restricted.
Unknown
No
Checked 04 Oct 2026agingsource
🇬🇬 GuernseyListed by Fold as a country where use of the card is restricted.
Unknown
No
Checked 04 Oct 2026agingsource
🇬🇼 Guinea-BissauListed by Fold as a country where use of the card is restricted.
Unknown
No
Checked 04 Oct 2026agingsource
🇬🇾 GuyanaListed by Fold as a country where use of the card is restricted.
Unknown
No
Checked 04 Oct 2026agingsource
🇭🇳 HondurasListed by Fold as a country where use of the card is restricted.
Unknown
No
Checked 04 Oct 2026agingsource
🇭🇰 Hong KongListed by Fold as a country where use of the card is restricted.
Unknown
No
Checked 04 Oct 2026agingsource
🇭🇺 HungaryListed by Fold as a country where use of the card is restricted.
Unknown
No
Checked 04 Oct 2026agingsource
🇮🇩 IndonesiaListed by Fold as a country where use of the card is restricted.
Unknown
No
Checked 04 Oct 2026agingsource
🇮🇷 IranListed by Fold as a country where use of the card is restricted.
Unknown
No
Checked 04 Oct 2026agingsource
🇮🇶 IraqListed by Fold as a country where use of the card is restricted.
Unknown
No
Checked 04 Oct 2026agingsource
🇮🇲 Isle of ManListed by Fold as a country where use of the card is restricted.
Unknown
No
Checked 04 Oct 2026agingsource
🇯🇲 JamaicaListed by Fold as a country where use of the card is restricted.
Unknown
No
Checked 04 Oct 2026agingsource
🇯🇪 JerseyListed by Fold as a country where use of the card is restricted.
Unknown
No
Checked 04 Oct 2026agingsource
🇯🇴 JordanListed by Fold as a country where use of the card is restricted.
Unknown
No
Checked 04 Oct 2026agingsource
🇰🇪 KenyaListed by Fold as a country where use of the card is restricted.
Unknown
No
Checked 04 Oct 2026agingsource
🇱🇧 LebanonListed by Fold as a country where use of the card is restricted.
Unknown
No
Checked 04 Oct 2026agingsource
🇱🇷 LiberiaListed by Fold as a country where use of the card is restricted.
Unknown
No
Checked 04 Oct 2026agingsource
🇱🇾 LibyaListed by Fold as a country where use of the card is restricted.
Unknown
No
Checked 04 Oct 2026agingsource
🇱🇮 LiechtensteinListed by Fold as a country where use of the card is restricted.
Unknown
No
Checked 04 Oct 2026agingsource
🇲🇻 MaldivesListed by Fold as a country where use of the card is restricted.
Unknown
No
Checked 04 Oct 2026agingsource
🇲🇨 MonacoListed by Fold as a country where use of the card is restricted.
Unknown
No
Checked 04 Oct 2026agingsource
🇲🇳 MongoliaListed by Fold as a country where use of the card is restricted.
Unknown
No
Checked 04 Oct 2026agingsource
🇲🇦 MoroccoListed by Fold as a country where use of the card is restricted.
Unknown
No
Checked 04 Oct 2026agingsource
🇲🇲 Myanmar (Burma)Listed by Fold as a country where use of the card is restricted.
Unknown
No
Checked 04 Oct 2026agingsource
🇳🇮 NicaraguaListed by Fold as a country where use of the card is restricted.
Unknown
No
Checked 04 Oct 2026agingsource
🇰🇵 North KoreaListed by Fold as a country where use of the card is restricted.
Unknown
No
Checked 04 Oct 2026agingsource
🇲🇰 North MacedoniaListed by Fold as a country where use of the card is restricted.
Unknown
No
Checked 04 Oct 2026agingsource
🇴🇲 OmanListed by Fold as a country where use of the card is restricted.
Unknown
No
Checked 04 Oct 2026agingsource
🇵🇰 PakistanListed by Fold as a country where use of the card is restricted.
Unknown
No
Checked 04 Oct 2026agingsource
🇵🇬 Papua New GuineaListed by Fold as a country where use of the card is restricted.
Unknown
No
Checked 04 Oct 2026agingsource
🇵🇾 ParaguayListed by Fold as a country where use of the card is restricted.
Unknown
No
Checked 04 Oct 2026agingsource
🇵🇪 PeruListed by Fold as a country where use of the card is restricted.
Unknown
No
Checked 04 Oct 2026agingsource
🇵🇭 PhilippinesListed by Fold as a country where use of the card is restricted.
Unknown
No
Checked 04 Oct 2026agingsource
🇶🇦 QatarListed by Fold as a country where use of the card is restricted.
Unknown
No
Checked 04 Oct 2026agingsource
🇷🇺 RussiaListed by Fold as a country where use of the card is restricted.
Unknown
No
Checked 04 Oct 2026agingsource
🇸🇦 Saudi ArabiaListed by Fold as a country where use of the card is restricted.
Unknown
No
Checked 04 Oct 2026agingsource
🇷🇸 SerbiaListed by Fold as a country where use of the card is restricted.
Unknown
No
Checked 04 Oct 2026agingsource
🇸🇨 SeychellesListed by Fold as a country where use of the card is restricted.
Unknown
No
Checked 04 Oct 2026agingsource
🇸🇱 Sierra LeoneListed by Fold as a country where use of the card is restricted.
Unknown
No
Checked 04 Oct 2026agingsource
🇸🇧 Solomon IslandsListed by Fold as a country where use of the card is restricted.
Unknown
No
Checked 04 Oct 2026agingsource
🇸🇴 SomaliaListed by Fold as a country where use of the card is restricted.
Unknown
No
Checked 04 Oct 2026agingsource
🇿🇦 South AfricaListed by Fold as a country where use of the card is restricted.
Unknown
No
Checked 04 Oct 2026agingsource
🇸🇸 South SudanListed by Fold as a country where use of the card is restricted.
Unknown
No
Checked 04 Oct 2026agingsource
🇰🇳 St Kitts & NevisListed by Fold as a country where use of the card is restricted.
Unknown
No
Checked 04 Oct 2026agingsource
🇱🇨 St LuciaListed by Fold as a country where use of the card is restricted.
Unknown
No
Checked 04 Oct 2026agingsource
🇲🇫 St MartinListed by Fold as a country where use of the card is restricted.
Unknown
No
Checked 04 Oct 2026agingsource
🇸🇩 SudanListed by Fold as a country where use of the card is restricted.
Unknown
No
Checked 04 Oct 2026agingsource
🇸🇷 SurinameListed by Fold as a country where use of the card is restricted.
Unknown
No
Checked 04 Oct 2026agingsource
🇸🇾 SyriaListed by Fold as a country where use of the card is restricted.
Unknown
No
Checked 04 Oct 2026agingsource
🇹🇷 TürkiyeListed by Fold as a country where use of the card is restricted.
Unknown
No
Checked 04 Oct 2026agingsource
🇹🇨 Turks & Caicos IslandsListed by Fold as a country where use of the card is restricted.
Unknown
No
Checked 04 Oct 2026agingsource
🇺🇦 UkraineListed by Fold as a country where use of the card is restricted.
Unknown
No
Checked 04 Oct 2026agingsource
🇺🇸 United StatesU.S. citizen or legal resident with a U.S. tax ID number, at least 18 years old (older where the state age of majority is higher).
Yes · citizens and residents
Yes
Checked 03 Oct 2026agingsource
🇻🇺 VanuatuListed by Fold as a country where use of the card is restricted.
Unknown
No
Checked 04 Oct 2026agingsource
🇻🇪 VenezuelaListed by Fold as a country where use of the card is restricted.
Unknown
No
Checked 04 Oct 2026agingsource
🇻🇳 VietnamListed by Fold as a country where use of the card is restricted.
Unknown
No
Checked 04 Oct 2026agingsource
🇾🇪 YemenListed by Fold as a country where use of the card is restricted.
Unknown
No
Checked 04 Oct 2026agingsource
🇿🇼 ZimbabweListed by Fold as a country where use of the card is restricted.
Unknown
No
Checked 04 Oct 2026agingsource
No country matches your search.
Frequently asked questions about Fold Debit Card
Who issues Fold Debit Card?
Fold Debit Card is issued by Sutton Bank. Payments run on the Visa network.
Can I withdraw cash from an ATM with Fold Debit Card?
Yes. You can withdraw cash at ATMs. The ATM withdrawal fee is free to USD 3.50, depending on tier.
How do I top up Fold Debit Card?
You can top it up by crypto, bank transfer and debit or credit card. The top-up fee is 1.5%.
Does Fold Debit Card work with Apple Pay and Google Pay?
It works with Apple Pay and Google Pay.
Which crypto can I use with Fold Debit Card?
It can be funded with BTC.
Does Fold Debit Card have an annual fee?
No. Fold Debit Card has no annual fee.
What does Fold Debit Card charge on payments in a foreign currency?
The foreign currency fee is free to USD 3, depending on tier. The conditions are listed in the fees table on this page.
Does Fold Debit Card pay cashback?
Yes. It pays 0.25% to 3% back on card spend, depending on tier. Rewards are paid in BTC.
What are the spending and ATM limits of Fold Debit Card?
Daily spending limit: USD 15,000. Monthly spending limit: USD 50,000. ATM withdrawal limit per day: USD 1,000. ATM withdrawal limit per month: USD 1,000. Maximum per payment: USD 15,000.
In which countries can I apply for Fold Debit Card?
You can apply in the United States.
Sources
- Fees pageSpending account fee schedulefoldapp.com
- Rewards termsRewards program termsfoldapp.com
- Cardholder termsCardholder agreementfoldapp.comChecked 15 Oct 2026
- Other official pageDebit cardfoldapp.comChecked 07 Oct 2026
- Fees pageWhat limits is my card subject tosupport.foldapp.comChecked 15 Oct 2026
- Other official pageMy Fold card is getting declined via Apple Wallet or Google Paysupport.foldapp.comChecked 15 Oct 2026
- Other official pageHow do I fund my Fold Debit Card with bitcoinsupport.foldapp.com
- Other official pageHow do I add money to my Fold Prepaid Debit Cardsupport.foldapp.comChecked 15 Oct 2026
- Fees pageHow do I use Instant Debit Card Fundingsupport.foldapp.com
- Other official pageVirtual Fold Prepaid Debit Cardssupport.foldapp.com
- Other official pageHow do I get a Fold Prepaid Debit Cardsupport.foldapp.com
- Supported countriesWho can sign up for a Fold account and or apply for a Fold Cardsupport.foldapp.com
- Supported countriesAre there countries where I can't use my Fold Debit Cardsupport.foldapp.comChecked 15 Oct 2026
- Rewards termsHow do I earn rewards on Foldsupport.foldapp.comChecked 15 Oct 2026
- Fees pageFees for buying withdrawing bitcoin on Foldsupport.foldapp.comChecked 15 Oct 2026