What Fold actually does for your money

Fold is a money app built around one idea: the things you're already doing, spending, saving, paying bills, can also earn bitcoin. Here's the plain version of what it actually does, no jargon required.

The high level version

• Fold is a money app. Everything you already do when it comes to spending, or paying bills, earns bitcoin.
• You don't need to understand bitcoin to benefit from it. You just need to spend the way you already do.

Earn on what you're already spending

• The Fold cards earn bitcoin on eligible everyday purchases, groceries, gas, bills, and more.
• That's not a bonus tacked onto a card you already had. It's the whole point of our card offerings.
• You can boost your earning rate further by setting up recurring bitcoin purchases or paying your credit card* statement with bitcoin already in your Fold account.

Buy bitcoin without the usual overhead

• If you already buy bitcoin somewhere else, Fold is built to be one of the cheaper places to do it.
• Set it up once as a recurring purchase using Auto-Stack and it happens automatically. No need to time the market or check a chart every day.

Turn gift cards into bitcoin

• Buy gift cards for stores and restaurants you already use, and those purchases earn bitcoin back too.
• Want to give bitcoin to someone who's curious about it? Fold's bitcoin gift cards let you gift bitcoin directly, no wallet setup required on their end.

Bitcoin back on your bills too

• Most rewards programs stop at your card. Fold extends into bill pay, so recurring payments you're making anyway can also earn.
• The idea is simple, the things you're already paying for shouldn't be dead weight. They should be doing something.

You don't have to "believe" in bitcoin to use Fold

• You don't need a wallet you understand, a strong opinion on where the price is headed, or any interest in the white paper that started it all.
• You just keep spending the way you already do. The app handles the rest.

If any of this sounds like something you'd use, signing up takes about three minutes.

Fold, Inc. is a financial services platform, not an FDIC-insured bank. Fold Holdings, Inc. (Nasdaq: FLD) is its publicly traded parent company. Nothing on this site constitutes investment, tax, legal, or financial advice. By using Fold’s services or platform, you agree to be bound by our Terms and Conditions and Privacy Policy available here.

*The Fold Bitcoin Credit Card™ is issued by Celtic Bank, pursuant to a license from Visa U.S.A. Inc. Credit subject to approval. Applicants are subject to a credit check and must meet specific lending criteria. There is no annual fee; other fees, including for returned and late payments, may apply. A Fold account is required and may be subject to separate fees; see foldapp.com for details. A variable APR applies based on creditworthiness and the Prime Rate; a penalty APR may apply for late payment. See the Credit Cardholder Agreement for rates, fee details, and applicable terms. Rewards are provided by Fold, not Celtic Bank. Fold and/or Celtic Bank may report your account activity to consumer reporting agencies; late or missed payments may be reflected in your credit report. All cardholders earn 1.5% back in bitcoin on eligible net purchases with no cap. You can earn additional rewards on your first $2,000 in monthly purchases by setting up recurring bitcoin purchases (DCA) or Direct-to-Bitcoin transfers through Fold, and an additional bonus up to 0.5% when you pay your statement using bitcoin held in your Fold account, for a maximum potential rate of 4%. Bonus categories, earning rates, and offer availability are subject to change and may be capped or limited in duration. Rewards are paid in bitcoin. Bitcoin value fluctuates and your rewards may be worth more or less at redemption than when earned. See Credit Cardholder Agreement and Rewards Program Terms for details, including subject terms, earning exclusions, limitations, and tier requirements.

The Fold Prepaid Debit Card is issued by Sutton Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc. Up to $250,000 of your balance may be covered by FDIC insurance on a pass-through basis through Sutton Bank; certain conditions must be satisfied for pass-through coverage to apply. See the Prepaid Debit Cardholder Agreement for rates, fee details, and applicable terms.

Rewards accounts and bitcoin are not FDIC- or SIPC-insured and may lose value. The value of bitcoin is volatile; you could lose some or all of your holdings or rewards. Past performance is not indicative of future results. Fold does not guarantee any particular outcome. Bitcoin custody and exchange services are provided by BitGo. See the Fold Terms and Conditions and BitGo Terms of Use.

Visa is a registered trademark of Visa U.S.A. Inc. All other trademarks and service marks belong to their respective owners. © 2026 Fold, Inc. All rights reserved.

For support inquiries, please contact Fold at support@foldapp.com or 2942 North 24th Street, Suite 115, #42035, Phoenix, Arizona 85016.