Fold

Finance & Accounting Free · from $0/mo (rewards vary by plan)

About Fold

Fold turns your debit card into a Bitcoin rewards engine. Every swipe at 500+ partner brands—from Uber to Amazon—earns you up to 10% back in Bitcoin, not points or miles.

What it does

Fold links to your existing debit card and automatically converts a percentage of each purchase into Bitcoin, deposited into your Fold account. You can also buy, sell, and hold BTC directly within the app, with no trading fees on recurring buys.

Best for

Bitcoin enthusiasts who want to stack sats passively
Everyday spenders looking to earn crypto without changing habits
Users who prefer Bitcoin rewards over traditional cashback or points

Strengths

Up to 10% Bitcoin back at major brands like Uber, Amazon, and Starbucks
No trading fees on recurring Bitcoin purchases
FDIC-insured cash balance up to $250,000
Free domestic ATM withdrawals with certain plans

Key features

Bitcoin Rewards — Earn up to 10% back in Bitcoin at 500+ partner merchants
Recurring Buys — Automate Bitcoin purchases daily, weekly, or monthly with zero fees
Spend & Earn — Use your Fold debit card anywhere Visa is accepted, earning Bitcoin on every transaction
Bitcoin Wallet — Buy, sell, and hold Bitcoin directly in the app
No Trading Fees — Recurring buys and certain transactions have zero fees
FDIC Insurance — Cash balances insured up to $250,000

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