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.
- Fold+ earns 0.5% base BTC rewards, with higher category and merchant boosts.
Yellow Fold cardStandard card design
Visa Prepaid card
Fold Debit Card
Fold Debit Card is a U.S.-only prepaid Visa that spends from a USD cash balance rather than bitcoin. The free Fold plan covers core card access, while Fold+ adds BTC rewards, selected fee waivers and instant debit withdrawals for a paid monthly or annual membership.
No CEXUS availableBTC rewardsFree base planPhysical cardFiat top-up
Main trade-offs
- Applications require eligible U.S. status, a U.S. tax ID and identity checks.
- The free Fold plan charges $3.50 at ATMs and $3 per foreign transaction.
- BTC card rewards require Fold+; boosted rates depend on categories and merchants.
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/yearFold is free; 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/transactionFold charges $3; Fold+ waives it. A percentage provider markup is not published and Visa conversion may still apply.
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
Declined transactionNot disclosedNot disclosed
Daily card spend$15,000/dayListed
Monthly card spend$50,000/monthListed
ATM limit$250/withdrawalListed
Account deposit$15,000/24hListed
02 · Category rewards
Fold+ Debit Card Rewards
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 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. 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 purchases0.5%
All eligible purchases outside a higher-rate band
Eligible spend cap not disclosedRotating eligible categories1.5%
Subject to the current programme's eligibility rules
Eligible spend cap not disclosedSelected merchant boosts15%
Subject to the current programme's eligibility rules
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
Base plan
$0/yrFold
Bright yellow physical Visa prepaid debit card
- Cashback
- 0%
- Cashback Cap
- $0 / month
- Requirement
- Default free membership
- ATM withdrawal
- $3.50 Fold fee; operator and FX fees may apply
- FX
- $3 fixed provider fee per foreign transaction
- Rotating eligible categories
- Not listed
- Eligible services
- Not listed
- Selected merchant boosts
- Not listed
- Best fit
- Check the plan price, rewards and limits before upgrading.
Upgrade
$100/yrFold+
Black physical Visa prepaid debit card with gold accents
- Cashback
- 0.5% in BTC
- Cashback Cap
- Not listed
- Requirement
- $10 monthly or $100 annually
- ATM withdrawal
- $0 Fold fee; operator and FX fees may apply
- 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
- Best fit
- Paid middle tier: compare the annual price against the cashback uplift and card design benefits.
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 withdrawalFold+ only.USDFee1.5%SpeedInstantLimits$500 / dayAvailabilityConfirmed scopeDetails
Fee components
- 1.5% · transfer
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
Fold+ only. Some accounts may be limited to one instant transfer per 24 hours.
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.
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 constraint27
Rewards value
No general base cashback; 15% applies only to Selected merchant boosts and is paid in BTC.
08 · Evidence
Sources
29 sources29 officialChecked Aug 14, 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
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 provider fee per foreign transaction for Fold; $0 for Fold+; no percentage FX fee is inferred
- 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.
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