Main strengths
- ACH, direct deposit and instant debit funding feed the same USD card balance.
- Apple Pay, Google Pay, a physical Visa and ATM withdrawals are supported.
- Reserve activation adds 0.25% BTC; legacy Fold+ applies until migration.
Yellow Fold cardStandard card design
Visa Prepaid card
Fold Debit Card
Fold Debit Card is a U.S. prepaid Visa with a staged Reserve rollout: migrated users earn 0.25% base BTC, with higher rates and fee waivers tied to purchased Reserve value. Legacy Fold/Fold+ terms continue until activation; Reserve is generally not cash-redeemable.
Main trade-offs
- Applications require eligible U.S. status, a U.S. tax ID and identity checks.
- ATM $3.50 and foreign $3 fees are waived with $5,000 Reserve or legacy Fold+.
- Boosts need Reserve value, spend caps and no Fold Bitcoin Credit Card.
01 · Core economics
Costs that matter
Fold Debit Card has a $0 entry option, with paid tiers for higher rewards or added benefits. Funding, FX and cash-access costs remain visible below.
ItemStandard tierWhat it means
Membership$0–$100/yearReserve has no card subscription fee. Until migration, legacy Fold+ costs $10/month or $100/year.
Cash funding1.5%Instant debit funding costs 1.5%, capped at $25; ACH and direct-deposit routes are separate
Fixed foreign-transaction fee$0–$3/transaction$3 fixed foreign-purchase fee; waived at $5,000 Reserve or under legacy Fold+; Visa conversion separate
Asset conversion fee0%No separate asset-conversion fee is listed for card spending.
ATM withdrawal$0–$3.50/withdrawalThe exact Fold fee is shown by membership below; ATM-operator and FX charges can still apply.
Card spending0%No listed base spend fee
USD transaction$0Fixed fee per applicable card transaction.
Physical card$0One-time physical card cost
Limits and secondary feesLimits and other fees
ItemValueWhat it means
Declined transactionNot disclosedNo reusable declined-transaction fee is published.
Daily card spend$15,000/day$15,000 per transaction and per day
Monthly card spend$50,000/month$50,000 per month
ATM limit$250/withdrawal$250 per withdrawal; $1,000 daily and monthly
Account deposit$15,000/24h$15,000 per 24 hours for general funding; route-specific instant limits are lower
02 · Category rewards
Fold debit rewards: Reserve rollout and legacy plans
Fold Debit Card keeps the reward range visible above while the membership cards below preserve each tier's fee, card design, rewards, limits and other tier-specific differences.
Purchases outside the named categories earn 0%
Selected merchant boosts (legacy Fold+ only) only; see the category schedule below
Bitcoin
Current monthly cashback-value cap across tiers
Current rate schedule
Cashback by spend category
The rate follows the eligible payment category or route rather than a membership tier. 15% applies only to Selected merchant boosts (legacy Fold+ only). Category-specific eligible-spend caps are not disclosed; any programme-wide cashback-value cap is shown in the summary.
CategoryRateEligible purchases and cap
All other eligible Visa Signature debit purchases (legacy Fold+ only)0.5%
Only until Reserve is enabled on this account; August 14 legacy Fold+ terms apply.
Eligible spend cap not disclosedRotating eligible categories (legacy Fold+ only)1.5%
Only until Reserve is enabled on this account; August 14 legacy Fold+ terms apply.
Eligible spend cap not disclosedSelected merchant boosts (legacy Fold+ only)15%
Only until Reserve is enabled on this account; August 14 legacy Fold+ terms apply.
Eligible spend cap not disclosedCashback is credited bTC withdrawals are processed weekly on Tuesdays; some rewards can be held for 30 days in BTC. Merchant coding, programme exclusions, reversals and clawbacks still apply.
Memberships
1-3 / 9
Base plan
$0/yrFold (legacy)
Bright yellow physical Visa prepaid debit card
- Cashback
- 0%
- Cashback Cap
- $0 / month
- Requirement
- Only while Reserve has not been enabled on the account; Default free membership
- ATM withdrawal
- $3.50 Fold fee; operator and FX fees may apply
- Virtual cards
- Temporary replacement card only; two-month expiry
- Physical card
- Not confirmed
- FX
- $3 fixed provider fee per foreign transaction
- Rotating eligible categories
- Not listed
- Eligible services
- Not listed
- Selected merchant boosts
- Not listed
- Full-rate spend
- Not listed
- Best fit
- Check the plan price, rewards and limits before upgrading.
Upgrade
$100/yrFold+ (legacy)
Black physical Visa prepaid debit card with gold accents
- Cashback
- 0.5% in BTC
- Cashback Cap
- Not listed
- Requirement
- Only while Reserve has not been enabled on the account; $10 monthly or $100 annually
- ATM withdrawal
- $0 Fold fee; operator and FX fees may apply
- Virtual cards
- Temporary replacement card only; two-month expiry
- Physical card
- Not confirmed
- FX
- $0 Fold fixed foreign-transaction fee; network conversion still applies
- Rotating eligible categories
- 1.5% · Eligible Fold+ Visa Signature debit transaction
- Eligible services
- Eligible services are shown in app and can change
- Selected merchant boosts
- 15% · Eligible named merchant and current boost terms
- Full-rate spend
- Not listed
- Best fit
- Paid middle tier: compare the annual price against the cashback uplift and card design benefits.
Upgrade
$0minimum Reserve stored value; rollout requiredReserve base
Visa prepaid debit card
- Cashback
- 0.25% in BTC
- Cashback Cap
- Not listed
- Requirement
- Reserve enabled in the app; $0 in Reserve stored value
- ATM withdrawal
- $3.50 Fold fee; operator and FX fees may apply
- Virtual cards
- Existing card account; no new format inferred
- Physical card
- Existing Fold physical card
- FX
- $0 Fold fixed fee at $5,000 Reserve; otherwise $3 per foreign purchase; Visa conversion separate
- Rotating eligible categories
- Not listed
- Eligible services
- Not listed
- Selected merchant boosts
- Not listed
- Full-rate spend
- Not listed
- Best fit
- Check the plan price, rewards and limits before upgrading.
03 · Everyday use
How the card fits everyday use
See the available card formats, phone wallets and account rails, plus any channels that are still being confirmed.
Card access
- Visa networkAvailable
- Virtual cardAvailable
- Physical cardAvailable
- ATM withdrawalsAvailable
Wallets & apps
- Apple PayAvailable
- Google PayAvailable
- iOS appAvailable
- Android appAvailable
- Web appNot disclosed
Account rails
- Stablecoin depositsNot confirmed
- USD bank detailsAvailable
- EUR bank detailsNot confirmed
- Local payoutsNot confirmed
- Card-funded top-upsCountry-specific
04 · Money in and out
How money enters, settles and leaves Fold
Receive and send rails are separated. Fees, speed, limits and availability stay attached to the route where they apply.
Money inWays to fund or receive3 routes
Bank deposits
3 routes
Linked-bank ACHFunds credit the Fold prepaid-card balance after settlement and programme review.USDFeeNot confirmedSpeed1–5 business daysLimitsNot confirmedAvailabilityConfirmed scopeDetails
Fee components
- Fee terms are descriptive only
Access path
Direct card balance
Availability
Funds credit the Fold prepaid-card balance after settlement and programme review.
Fee scope
Provider fee not separately stated in the reviewed funding article
Limit scope
Not publicly confirmed
Direct depositCurrent dedicated limit is $15,000 per deposit.USDFeeNot confirmedSpeedVaries by railLimitsCurrent dedicated limit is $15,000 per deposit.AvailabilityConfirmed scopeDetails
Fee components
- Fee terms are descriptive only
Access path
Direct card balance
Availability
Current dedicated limit is $15,000 per deposit.
Fee scope
Provider fee not separately stated
Instant debit-card fundingLimits include $1,500 per transfer, $10,000 daily and $20,000 per rolling 30 days.USDFee$25 + 1.5%SpeedVaries by railLimits$10,000 / dayAvailabilityConfirmed scopeDetails
Fee components
- 1.5% · transfer
- $25 · transfer
Access path
Direct card balance
Availability
Limits include $1,500 per transfer, $10,000 daily and $20,000 per rolling 30 days.
Balance & conversionAccount balance
Funds sit in a custodial account balance before card spend or payout.
What happens on receipt
How a received asset reaches the spendable balance depends on the supported asset and account setup.
Money outWays to send, withdraw or settle4 routes
Bank transfers & payouts
4 routes
ACH withdrawalIn-app ACH and external ACH are current routes; receiving-bank timing and restrictions can vary.USDFee$0SpeedVaries by railLimitsNot confirmedAvailabilityConfirmed scopeDetails
Fee components
- $0 · transfer
Access path
Direct card balance
Availability
In-app or externally initiated ACH from the Fold USD balance
Limit scope
Not publicly confirmed
Restrictions
In-app ACH and external ACH are current routes; receiving-bank timing and restrictions can vary.
Instant debit-card withdrawalReserve schedule applies after activation; legacy Fold+ terms otherwise.USDFee1.5%SpeedInstantLimits$500 / dayAvailabilityConfirmed scopeDetails
Fee components
- 1.5% · withdrawal
Access path
Direct card balance
Availability
Linked eligible debit card for Fold+ members
Limit scope
$250 per transfer, $500 daily and $1,000 monthly
Restrictions
Reserve schedule applies after activation; legacy Fold+ terms otherwise. Account limits can apply.
ATM withdrawalThe complete international use matrix is unavailable, and ATM-operator fees are separate from Fold's provider fee.USD cash equivalentFee$0–$3.5SpeedVaries by railLimits$1,000 / dayAvailabilityRegion-dependentDetails
Fee components
- $3.5 · transfer
- $0 · transfer
Access path
Direct card balance
Availability
Visa-compatible ATMs subject to country and operator restrictions
Limit scope
$250 per transaction; $1,000 daily and monthly
Restrictions
The complete international use matrix is unavailable, and ATM-operator fees are separate from Fold's provider fee. After Reserve activation, the Fold fee is waived at $5,000 Reserve; legacy Fold+ terms otherwise.
ACH bill payBill-pay rewards are separate from debit-card purchase rewards and can range from 0.25% to 1.5% under published conditions.USDFeeNo fixed feeSpeedVaries by railLimitsNot confirmedAvailabilityConfirmed scopeDetails
Fee components
- No provider transfer fee
Access path
Direct card balance
Availability
Eligible billers paid from the Fold USD balance
Limit scope
Not publicly confirmed
Restrictions
Bill-pay rewards are separate from debit-card purchase rewards and can range from 0.25% to 1.5% under published conditions.
06 · Trust and eligibility
Where Fold is available and who supports the card
See current signup reach, identity checks and the organisations behind the card.
Identity & KYC
Identity verification is required to access card services.
Availability
Residence in one of the listed countries is required but does not guarantee card access; identity and account checks still apply.
- Residence perimeter
- 1 countriesPublished regional guidance; final access remains account- and KYC-dependent.
- Final access check
- Confirm during signupCountry guidance does not guarantee access; programme assignment and KYC still apply.
Residence eligibility perimeter1 countries · access still account-gated
United States
Who handles what
The named organisations and their current roles are listed below.
RoleHandled byResponsibility and scope
Card productFold
Provides the product and account experience. Named legal operators appear separately.
Custody controlFold + programme partners
Controls settlement until payment.
Custodial accountCard issuerSutton Bank
Issues the card for the applicable programme.
Jurisdiction: United StatesCard processingMarqeta, Inc.
Supports card processing for the applicable programme.
Bank transfersPlaid Inc.
Provides bank-account or transfer infrastructure for applicable markets.
Bank transfersAstra, Inc.
Provides bank-account or transfer infrastructure for applicable markets.
Custody / key managementBitGo Bank and Trust, N.A. / BitGo Prime LLC
Provides custody or key-management infrastructure.
07 · Methodology
Why the score is 72
The score combines practical costs, rewards, daily usability, funding and transfers, eligibility, custody, and the provider stack.
Missing or undisclosed fields receive no positive credit.
72/100
GoodHigher is better
Key score driversLargest effects after applying the Overall category weights
Strongest lift99
Everyday usability
Visa spending includes virtual card, physical card, Apple Pay, Google Pay and ATM access.
Additional support85
Company & infrastructure
Named programme infrastructure includes Sutton Bank (issuer), Visa (network), Marqeta, Inc. (processing) and Plaid Inc. (banking).
Main constraint30
Rewards value
No general base cashback; 15% applies only to Selected merchant boosts (legacy Fold+ only) and is paid in BTC.
08 · Offers & news
Latest from Fold Debit Card
Bonuses, promotions and product updates for Fold Debit Card.
OfferUp to 5%Merchant perkActive
Fold lists One4all gift cards with up to 5% back in sats
One4all denominations run from $25 to $500. The Fold listing advertises up to 5% back when buying through the Fold app.
No published end dateChecked Sep 5, 2026
News
Fold rolls out Reserve with a new debit reward schedule
Migrated accounts receive 0.25% base BTC rewards, while maintained Reserve value unlocks higher rates and fee waivers. Existing Fold/Fold+ terms continue until Reserve is enabled on the account.
09 · Card comparison
How Fold Debit Card compares to others
A side-by-side look at cards built around crypto funding, everyday Visa access and money movement.
1 / 3
Current card
Fold Debit Card
ACH, direct deposit and instant debit funding feed the same USD card balance.
- Card
- Prepaid Visa, Virtual + Physical
- Funds control
- Custodial balance
- Cashback
- 0%–15%
- FX fee
- $3 fixed foreign-purchase fee; waived at $5,000 Reserve or under legacy Fold+; Visa conversion separate
- Apps
- iOS, Android · Web app not confirmed
- Transfers & payouts
- Bank transfers
- Funding routes
- Not confirmed
Similar match
KAST supports crypto sends, instant Tag transfers and global or local payouts.
- Card
- Prepaid Visa, Virtual + Physical
- Funds control
- Custodial balance
- Cashback
- 1.5%–3%
- FX fee
- 0.5%–1.75%
- Apps
- iOS, Android · Web app not confirmed
- Transfers & payouts
- Crypto, Bank + Internal transfers
- Funding routes
- Stablecoin receive, Crypto transfer, Bank deposit + USD balance
Similar match
A crypto-funded prepaid card with virtual, physical and phone-wallet access.
- Card
- Prepaid Visa, Virtual + Physical
- Funds control
- Custodial balance
- Cashback
- 0%–3%
- FX fee
- 1.2%–2%
- Apps
- iOS, Android · Web app not confirmed
- Transfers & payouts
- Crypto + Bank transfers
- Funding routes
- Stablecoin receive, Crypto transfer + USD balance
Want a deeper comparison?
Compare up to four cards in detail across fees, rewards, everyday use, money movement, custody and more.
10 · Evidence
Sources
29 sources29 officialChecked Oct 6, 2026
We check every published fact and value against official product, fee, membership and legal information covering costs, eligibility, rewards and custody.
Primary sourcesOfficial product, fee, membership and legal pages
Help keep this page accurate
Found outdated or incorrect information?
Tell us what changed and, if possible, include an official source. We review corrections before updating public card facts.