Bitcoin credit card basics: Turn every purchase into sats
Understand how bitcoin credit cards work and how the Fold Bitcoin Credit Card keeps rewards simple, flat‑rate, and built into your everyday money app.
What is a bitcoin credit card?
A bitcoin credit card is a traditional credit card that pays rewards in bitcoin instead of points, miles, or multiple crypto tokens. You spend in dollars anywhere the card network (think Visa and Mastercard) is accepted, and your rewards show up as sats, credited to your account as bitcoin rather than a proprietary reward currency.
The Fold Bitcoin Credit Card is a bitcoin‑powered credit card that turns every eligible purchase into sats, with no rotating categories, subscriptions, or confusing reward rules. Rewards are paid in a single asset, bitcoin, instead of points or altcoins that may be hard to track or redeem.
You earn a simple, unlimited 1.5% base rate1 in bitcoin on every eligible purchase, and can move toward higher effective earn rates when you take advantage of additional behavior-based bonus rewards.
How the Fold Bitcoin Credit Card works
The Fold Bitcoin Credit Card is designed as a simple, mobile‑first way to turn everyday spending into flat‑rate bitcoin rewards, with real‑time visibility in the Fold app. Cardholders get:
- A flat bitcoin 1.5% earn rate1 on every eligible purchase, with no categories to track.
- A transparent path toward higher effective rewards when they engage with features like bill‑pay and auto-stack.1
- Real‑time views of pending and posted rewards, statements, and payments, all in one app.
Everyday transactions such as groceries, gas, online shopping, and subscriptions can all contribute to a growing bitcoin balance, without changing where you shop or what you buy.
Why a single‑asset, bitcoin‑only reward matters
With Fold, rewards are only redeemable in bitcoin, not in a rotating mix of bank points or platform tokens. That means:
- You always know what you are earning: bitcoin.
- You do not have to decide how to split rewards between multiple assets.
- You get direct exposure to an asset you believe can grow over time, instead of watching point values quietly erode.
With the Fold Bitcoin Credit Card, you can earn an unlimited 1.5% base rate in bitcoin on every eligible purchase, and move toward up to 4% back when you layer in behavior‑based boosts, targeted offers, and bill‑pay hooks described in your product materials.1
Why bitcoin rewards instead of points or miles
Most credit cards pay in points or miles that can be subject to blackout dates, expiration, or require complex charts to redeem. The Fold Bitcoin Credit Card focuses on paying rewards in bitcoin only, so you earn a single asset that many people use as a long‑term savings and investment tool.
With this approach:
- Rewards are always bitcoin, not a mix of tokens or points.
- You avoid juggling multiple loyalty programs or currencies.
- Your everyday spending can become a steady stream of sats that you can hold, use with other Fold products, or move on your terms.
Built into your everyday money app
The Fold Bitcoin Credit Card lives in the same Fold app that already supports checking, gift cards, and bitcoin tools.
From one app, you can:
- Apply and if approved start using a virtual card (once invited)
- Add your card to Apple Pay or Google Pay for tap‑to‑pay.
- Pay your balance from Fold Checking or a linked bank account.
- Turn card controls on or off instantly, manage disputes, and review statements and rewards.
For anyone who wants everyday spending to actually build something over time, the Fold Bitcoin Credit Card makes it simple to turn each purchase into sats and manage everything in one place.
11.5% back on all qualifying purchases. No cap on base rewards earned. Cardholders may earn an additional 0.5% back by paying their credit card balance with Bitcoin and up to 2% in additional bonus rewards (4% total) on the first $2,000 of monthly card spend based on qualifying Auto-Stack! and/or Direct to Bitcoin activity during the calendar month. Rewards Account balances are subject to a $10,000 limit; balances approaching this limit must be withdrawn to continue earning. Bitcoin is volatile and may lose value. Rewards are not FDIC- or SIPC-insured.
