US residents only; the card is subject to a credit check and the issuer writes "subject to approval"
Key Profile Facts (Categorized)
Fee & Exchange Rate Structure
- Public Fee Summary
- No monthly fee; the card page does not list an annual fee; the FX fee is not published. The APR is variable, tied to the Prime Rate and priced by creditworthiness, and the issuer states a $1.00 minimum interest charge.
- Debit / Deduction Model
- A US credit-card account: spending draws on a credit line and is repaid monthly; rewards are paid in bitcoin, and the issuer states they are a Fold obligation rather than a bank product
Application Eligibility & KYC
- KYC Identity Verification
- KYC required. A credit-card application is subject to a credit check and lending criteria plus identity verification; the card page states "subject to approval" in its own copy.
- Officially supported countries and regions
- US residents only; the card is subject to a credit check and the issuer writes "subject to approval"
Payment Compatibility & Issuer Rails
- Card Network & Rails
- Visa credit card issued by Celtic Bank under licence from Visa U.S.A.
- Issuer Arrangement / Payment Rails
- Celtic Bank (under licence from Visa U.S.A.). The card BIN is not public, and this page does not speculate about it.
- Apple Pay / Google Pay
- Not stated in official documentation; does not imply unsupported.
- Overseas AI Subscriptions
- Not stated in official documentation; does not imply unsupported.
Spending Rewards & Cardholder Perks
- Cashback & Reward Rules
- 1.5% back in bitcoin on eligible purchases with no cap; Reserve tiers raise the rate on the first $5,000 of eligible spending each month: $15K in assets 1.75%, $25K 2%, $50K 3%, $75K 4%, $100K 5%. The issuer states that credit-card and debit-card rewards cannot be earned at the same time.
This is a summary of the cited public information, not a complete list of fees or regions and not a guarantee of approval or card access.
Detailed Facts
- This is a credit card, not the existing Fold debit card
- Fold already has a Visa debit card (catalogued here as fold-card). This is a separate Visa credit card issued by Celtic Bank under licence from Visa. The card page states outright: "Credit card and debit card rewards cannot be earned at the same time." [1] [2]
- The base 1.5% has no cap; the boost covers only the first $5,000
- The base reward is 1.5% in bitcoin with no spending cap. Reserve tiers raise the rate on the first $5,000 of eligible spending each month to between 1.75% and 5% depending on assets held; spending above $5,000 falls back to the base rate. [1]
- Only half the fee schedule is published
- The issuer states there is no monthly fee, but neither an annual fee nor an FX fee appears on the card page. The APR is variable, tied to the Prime Rate and priced by creditworthiness, and the issuer adds a $1.00 minimum interest charge. Those missing items are exactly where credit cards usually cost the most, so check the cardholder agreement before applying. [1]
- Availability rests on the product page alone
- The card page presents the product as open to applications, while the issuer’s public news trail still describes a staged waitlist rollout; the third-party claim that it is now generally available has no counterpart on the issuer’s own pages. The record therefore notes US availability without a launch date. [1] [2]
Issuing, mobile wallets and AI subscriptions
- Card network listed in the comparison source
- Visa (credit card)
- Issuer arrangement / BIN
- Celtic Bank (under licence from Visa U.S.A.). The card BIN is not public, and this page does not speculate about it.
- Apple Pay
- — Not specified by official sources: not specified in official materials; this does not mean unsupported.
- Google Pay
- — Not specified by official sources: not specified in official materials; this does not mean unsupported.
- AI subscriptions such as ChatGPT and Claude
- — Not specified by official sources: not specified in official materials; this does not mean unsupported.
Compatibility information for this card was verified on 2026-10-26 against the sources listed on the card profile; undisclosed items are marked "Not stated officially". Status symbols preserve source statements; "Not stated officially" does not mean unsupported, and community reports do not guarantee stable availability.
See the full comparison of 230 cards · Use BIN & Issuer Inspector
Mobile Apps & Privacy Compliance
Independent verification of mobile client presence, global app store availability, privacy disclosures, and account deletion / data erasure rights.Mobile Clients & Official Download Channels
- Client App
- Fold: Bitcoin Personal Finance (Fold, Inc)
- Web Portal Support
- Mobile App Only — Requested and managed under "More ways to earn" on the Fold app home screen; use.foldapp.com is only a landing page and no web account was found
- Apple App Store
-
App Store Official Download ↗ 1 storefront only: US
- Google Play
-
▶ Google Play Official Download ↗ All 174 storefronts (Google Play does not operate in Mainland China)
Data Compliance, Privacy Labels & Account Erasure
- Regulations & Rights
-
General Data Rights / Regional Regulations
Version 2 of the privacy policy (effective 2026-09-21) applies US law: it includes a GLBA privacy notice, explains FCRA rights and rights to deletion, correction and opt-out of sale/sharing under the CCPA and other state privacy laws; it says personal information is not sold for money, but cookie-based advertising may count as "sharing", and opt-out is supported through GPC signals; the issuing bank, Celtic Bank, is an independent data controller governed by its own privacy policy
- Official Privacy Policy
- Official Privacy Policy ↗
- Data Retention
- No specific period is stated; data is kept as needed for the service, and credit-card account records continue to be kept after closure as required by law
- App Store Privacy Label
- No tracking data; Linked to you: 2 categories; Not linked to you: 3 categories
- Google Play Data Safety
- Shared with 3rd parties: App activity, Device or other IDs, Files and docs, Financial info, Location, Messages, Personal info, Photos and videos; Collects 8 categories; Deletion can be requested; Data encrypted in transit
- Account Deletion Flow
-
No self-service route: first move out the dollar balance on the debit card and withdraw any rewards above 30,000 sats, then use the chat window at the bottom right of the help centre to ask support to close the account, which can take up to 30 days; dollars left on the card at closure are forfeited and unclaimed rewards are cleared; the Google Play data-safety page says deletion can be requested
Verified on 2026-10-24. App store availability and privacy disclosures are independently verified from official developer stores and privacy policies; store availability may vary dynamically by region.
Why this is a separate entry rather than part of fold-card
Fold’s debit and credit cards are two separate product lines: the issuer sells them on separate pages, they have different issuing banks, and their reward rules are mutually exclusive. Folding the credit card into the existing fold-card record would suggest a reader could earn both sets of rewards on one card — which the issuer explicitly rules out. [1] [2]
Rewards are priced in bitcoin; start with the tier thresholds
1.5% is the base rate available to everyone, with no cap on spending. The 1.75%–5% boost applies only to the first $5,000 of eligible spending each month and requires the matching asset tier ($15K to $100K held). In other words the boost is for people who already hold assets with Fold, not a card that pays 5% on everyday spending. Rewards are paid in bitcoin, so their value moves with the price. [1]
The unpublished fees matter more than the published one
The issuer puts "no monthly fee" in a prominent position, but neither the annual fee, the FX fee nor a specific APR range appears on the card page. For a credit card, the annual fee and FX markup usually matter more to the real cost than the reward rate, and those are visible only in the cardholder agreement inside the application flow. This record does not fill in industry-typical numbers on the issuer’s behalf. [1]
Frequently asked questions
Is the Fold Bitcoin Credit Card the same card as the Fold debit card?
No. It is a separate Visa credit card issued by Celtic Bank, and the issuer states the two cards’ rewards cannot be earned at the same time.
How are rewards calculated?
The base rate is 1.5% in bitcoin with no cap; Reserve tiers pay 1.75%–5% on the first $5,000 of eligible spending each month, with spending above that back at 1.5%.
Is there an annual fee?
The card page states there is no monthly fee but does not list an annual fee, and the FX fee is not published either; confirm both in the cardholder agreement at application.
Can it be used outside the US?
The issuer publishes no FX fee and no country list; both issuance and applications are limited to the US.
📜 Rules & Fee Changelog History
Continuous Tracking · Historical Evidence BaseCommunity posts
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