Fold — Finance & Accounting

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.

• 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.

Fold pricing: from $0/mo.

For comparison: the median starting price in Finance & Accounting is $20/month, measured across 145 tools we track. See the full SaaS Pricing Index →

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).

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