The Fold Bitcoin Rewards Credit Card is coming! If you haven't already, join the waitlist to reserve your spot and enter for a chance to win big. We're giving away $200,000+ in prizes to celebrate this milestone moment.
Stacking sats is about to get even easier 🧡
About the card
The Fold Bitcoin Rewards Credit Card will be available to both Fold+ and Fold (free plan) members, offering cashback rewards automatically paid out in bitcoin—just like our rewards debit card.
Fold+ Credit Cardholders will enjoy unlimited 2% cashback bitcoin rewards, a free metal card, and all the benefits of a Fold+ subscription:
- Zero-fee bitcoin buys and sells
- Get paid in bitcoin with zero-fee direct deposits
- ACH bill pay rewards
- Boosted and exclusive gift card rewards
- Higher bitcoin rewards on Fold Debit Card spending
Fold Credit Cardholders on a free plan will earn unlimited 1.5% cashback bitcoin rewards, with the option to upgrade to a metal card.
The only credit card you need 🧡
With bitcoin's fixed supply cap of 21 million, rising demand leads to price appreciation. Bitcoin’s historical compound annual growth rate (CAGR) demonstrates this monetary principle in action.
For those who see bitcoin's demand growing as both a monetary network and store of value, earning bitcoin rewards is more than a perk—it's a core part of one's savings and wealth generation strategy.
That's why we're excited about our Bitcoin Rewards Credit Card. It combines the familiarity of cashback rewards with the simplicity of stacking sats—passively accumulating the best-performing asset of the decade.
It's the perfect addition to anyone's personal finance toolkit.
- New to bitcoin? The Fold Bitcoin Rewards Credit Card offers a way to passively accumulate bitcoin without changing your spending habits. It's the easiest way to get skin in the game.
- All in on bitcoin? Spend 'borrowed' dollars on credit, maximize your bitcoin allocation strategy, and manage bill payments on one platform—all while stacking sats.
- Somewhere in between? The Fold Bitcoin Rewards Credit Card allows you to avoid juggling multiple credit cards. Stop chasing miles, points, and fiat rewards. Earn bitcoin instead—the hardest asset in human history.
Join the waitlist. Secure your spot. Enter for a chance to win prizes.
The Bitcoin Rewards Credit Card is a huge milestone in Fold’s mission to bring personal finance, powered by bitcoin, to the masses. So in classic Fold fashion, we're celebrating with prizes!
- Fold is giving away $200,000+ in prizes
- Join the waitlist, open a Fold Debit Card account, and get entered into a drawing to win bitcoin*
- After signing up, climb the waitlist leaderboard for even more prizes**
**Leaderboard competition starts 2/11/25, ends 4/30/25. Open to legal US residents (incl. DC); 18+. Fold acct. req’d to redeem prizes. For add’l information, see Waitlist Terms & Conditions.
How to win
Signing up for the Fold Credit Card waitlist (and opening a Fold Debit Card account) gives you a chance to win more bitcoin than Microsoft, Amazon, and Apple hold on their balance sheets—ten people will win 0.01 BTC. One lucky person will win 0.25 BTC!
Want to compete for more prizes? Move up the waitlist leaderboard. The top 10,000 positions win a prize, with first place winning a $10,000 statement credit.
Prizes are cumulative—so the higher you rank, the more you can win!
How to improve your waitlist position
Complete the actions listed below by April 30, 2025 to earn points and move up the leaderboard. In short, the more you use Fold and share the waitlist, the more points you can earn on the leaderboard.
How to earn more points
Let’s say you’ve already earned all the points from these one-time actions:
- You’re a Fold+ member and Fold Debit Cardholder
- You’ve enabled all the in-app automation features
- You’ve shared the waitlist on each social platform
- You’ve completed a $500+ deposit
In addition to earning points from bitcoin buys and everyday spending with your Fold Debit Card, you can get strategic with gift card buys!
Buying gift cards with Fold is a great way to earn bitcoin rewards while budgeting for expenses. So if you’re trying to maximize your points for the waitlist, consider stocking up on gift cards you know you’ll eventually use:
- Amazon
- Kroger
- Chevron
- Chewy
- Etc.
You can also compete for a higher waitlist position without spending anything. For every verified waitlist referral, you earn 500 points. So share your waitlist referral link with friends, family, and anyone in your social network who is curious about bitcoin!
The perfect onboarding opportunity
For the no-coiners in your life, sending—‘Hey! This credit card earns bitcoin, so your rewards can grow in value over time. And if you join the waitlist, you’re automatically entered to win bitcoin’—is probably more compelling than sharing hours of podcasts and book recommendations 😅🤷♂️
And when they're ready, the Fold App makes bitcoin buying seamless—spot buys, Round-Ups, Auto-Stack DCA, and direct deposit conversions—all with the peace of mind of insured bitcoin deposits†.
So who knows, sharing the Fold Credit Card waitlist might finally send some loved ones down the bitcoin rabbit hole.
There’s nothing more rewarding than that 🧡
†Insurance Policy covers copying and theft of private keys, insider theft or dishonest acts by BitGo employees or executives, and loss of keys. You can learn more here.
Disclaimer: Fold is not a bank, and loans will be originated by a sponsor bank issuing the card.
