How Fold's rewards work
Most rewards programs make you wait. You spend, accumulate points, and eventually trade them in for something that probably costs more points than it used to. Fold works differently. Every eligible purchase earns real bitcoin, automatically, deposited into your account with no redemption process required.
Here's exactly how it works.
The basics: spending earns bitcoin
Fold is a financial app with a debit card, a Visa credit card, and a gift card marketplace. When you use any of these to pay for things you already buy, you earn bitcoin back. No points. No cashback waiting in a program account. Just bitcoin, added to your Fold balance each time you make an eligible purchase.
The rewards vary by product. Gift cards in the Fold marketplace tend to earn the highest rates. Card swipes on the debit and credit card earn at their standard rates. When boosted promotions are running, those rates go higher for a limited window.
Gift cards: the fastest way to earn bitcoin on everyday spending
The Fold gift card marketplace is one of the most straightforward ways to stack bitcoin on purchases you were going to make anyway. You buy a gift card for a brand you already shop at, through the Fold app. The bitcoin reward is credited to your account at the moment of purchase. Then you use the gift card normally at checkout.
The marketplace covers hundreds of brands across groceries, dining, travel, retail, home improvement, entertainment, and more. If you shop somewhere regularly, there's a good chance it's in the shop tab.
Delivery is instant. Most gift cards arrive digitally within seconds, either as a code or a link you can save to your phone. No waiting, no shipping.
Card swipes: earn bitcoin everywhere you pay
The Fold debit card and Fold Bitcoin Rewards Visa credit card earn bitcoin back on purchases anywhere Visa is accepted. The debit card connects directly to your Fold balance. The credit card works like any Visa, with a monthly statement and bitcoin rewards on eligible spending.
Both cards earn at their standard rates on every qualified swipe. When you combine card spending with gift cards bought in the app, you're stacking bitcoin from multiple directions on the same everyday budget.
Boosted promos: higher rates for a limited window
Throughout the year, Fold runs boosted promotions on specific gift card categories or merchants. During a boost window, the bitcoin back rate on those brands goes higher than usual, often significantly. Boosted rates are time-limited, typically running over a weekend or for a specific promotional period.
These boosts are a good reason to plan purchases ahead of time. If you know you're shopping at a retailer that's running a boost, buying the gift card before you shop means you earn at the higher rate on your full spend.
Where does the bitcoin go?
Every bitcoin reward goes directly into your Fold bitcoin balance. You can see it in the app under your rewards or bitcoin tab. There's no minimum threshold to redeem, no expiration date, and no conversion required. It's bitcoin. You already own it.
You can hold it in Fold's custody, withdraw it to an external wallet, or let it accumulate over time alongside regular purchases. It's your balance to manage however you want.
Frequently asked questions
Does Fold give you real bitcoin or points?
Real bitcoin. Fold rewards are paid in actual bitcoin, not a points currency or proprietary token. There's nothing to convert or redeem.
How much bitcoin can you earn with Fold?
It depends on how much you spend and which products you use. Gift card purchases during boosted promotions tend to earn the most. Regular card spending earns at standard rates. The more of your everyday spending runs through Fold, the more bitcoin accumulates over time.
Is there a minimum to start earning?
No. Every eligible purchase earns bitcoin from the first dollar. There's no spending threshold before rewards kick in.
Ready to start earning?
Download Fold (on iOS and Android) on your mobile device to start earning bitcoin on your next purchase. Every grocery run, gas stop, and dinner out is an opportunity to build your bitcoin stack automatically.
