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About Fold
What is Fold?
Fold is a personal finance platform that combines a Visa rewards card, bitcoin buying, bill pay, and cash management in one app. Instead of earning points or miles, you earn bitcoin (sats) on everyday purchases, bill payments, and debit card swipes. It’s designed for people who want to build bitcoin wealth without changing their spending habits.
Who is it for?
Fold is for bitcoin-curious consumers who want to earn bitcoin on regular expenses, get paid in bitcoin, or buy bitcoin with zero fees. It’s also for crypto natives who want to “stack sats” passively. It is NOT a good fit for people who prefer traditional cashback (USD) or who want a full-service bank with loans or check writing.
Key use cases
Use Fold to earn up to 1.5% back on bill payments (ACH), get up to 15% back at select merchants via gift cards, buy bitcoin instantly with zero fees (Fold+), receive paychecks up to 3 days early, and round up spare change into bitcoin. Over 68 billion sats have been stacked by users since 2019.
How it works
Open a free Fold account, load USD (FDIC insured up to $250,000 via Sutton Bank), and start spending with the Fold Visa Card or paying bills. Bitcoin rewards are automatically credited to your Fold wallet, and you can withdraw to any wallet free of charge. Fold+ subscribers pay no fees on bitcoin buys or ATM withdrawals.
Key features
- Visa Rewards Card — Earn bitcoin rewards on every swipe, with up to 1.5% back on categories like dining and travel.
- Buy Bitcoin with Zero Fees — Fold+ members buy bitcoin without added fees; standard network fee may apply.
- Bill Pay Rewards — Pay mortgages, credit cards, and other bills and earn bitcoin back (up to 1.5% via ACH).
- Get Paid Up to 3 Days Early — Split your paycheck between cash and bitcoin with direct deposit.
- Round Ups & Recurring Buys — Automatically stack sats from spare change or set recurring bitcoin purchases.
- Insured Custody — USD is FDIC insured (up to $250,000 pass-through); bitcoin is insured by BitGo.
- No International or ATM Fees — Fold+ members pay zero added ATM fees; standard ATM fees may apply.
SaaSpartout Score
7.1
/10
Editorial score from our review methodology — not user ratings.
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Fold Pricing
Fold pricing: from $0/mo.
Fold Member (Free)
- $0/month
- Fold Debit Card
- Buy and sell bitcoin with low fees
- Gift card rewards and wheel spins
- ACH bill pay rewards (variable)
Fold+ ($10/month)
- $10/month (or $100/year — save 18%)
- Buy and sell bitcoin with zero fees*
- Up to 1.5% back on ACH bill pay rewards
- Up to 15% back on merchant boosts
- 1.5% back on top category boosts (dining, travel)
- 0.5% back on all other eligible purchases
- No fees on direct bitcoin purchases, DCA, and direct deposit conversions
- No international fees
- No ATM fees
- Win up to a full bitcoin via promos
*Standard network fee might apply. Try Fold+ free for 30 days (no commitment).
Frequently asked questions
How much does Fold cost?
Fold has a free tier ($0/month) and a paid 'Fold+' tier at $10/month or $100/year (18% savings). The free tier includes basic bitcoin buying and gift card rewards; Fold+ adds zero-fee bitcoin buys, higher cashback, and no ATM fees.
Is Fold free to use?
Yes, the basic Fold account is free. You only pay if you upgrade to Fold+ for extra benefits.
What is Fold and how does it work?
Fold is a personal finance platform that lets you earn bitcoin rewards on everyday spending, buy and sell bitcoin, pay bills, and get paid early. You get a Visa debit card, FDIC-insured USD account, and bitcoin custody via BitGo.
Who is Fold best for?
Fold is best for bitcoin enthusiasts and beginners who want to earn bitcoin passively on regular purchases, pay bills with bitcoin rewards, or dollar-cost-average into bitcoin with zero fees. It’s not ideal if you need traditional banking features like loans or paper checks.
What are the top alternatives to Fold?
Top alternatives include Coinbase (crypto exchange with rewards card), Strike (bitcoin-focused payments), Cash App (bitcoin buying and spending), and BlockFi (crypto rewards credit card, now in transition). Each differs in fees, rewards structure, and FDIC insurance coverage.
Does Fold insure my bitcoin?
Bitcoin held in Fold is insured by BitGo. USD balances on the Fold Card are FDIC insured up to $250,000 (pass-through via Sutton Bank), provided certain conditions are met. Bitcoin is not FDIC insured.
