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Fold Debit Card

Name: Fold Debit Card
Brand: Fold Debit Card

A US prepaid debit card for stacking bitcoin rewards.

Fold Debit Card is a US prepaid Visa funded from a USD balance, not direct bitcoin spending. Fold+ costs $10 monthly or $100 annually and currently adds a 0.5% base reward on eligible signature debit purchases, rotating 1.5% categories, merchant boosts and waived Fold ATM and foreign-transaction fees.

fintech US

How to evaluate this card

Best for

Fold Debit Card is most relevant for users comparing a card on Visa with custodial account mechanics, KYC-required onboarding and availability around US.

Watch out

Check live provider terms for FX costs ($3 per foreign transaction on Fold; $0 on Fold+), rewards (0.5% base for Fold+; boosted categories and merchants vary), ATM limits and country eligibility before applying, especially if rewards or delivery depend on a tier or rollout status.

Compare before applying

Compare the funding path (USD cash balance, ACH), card format or delivery terms (Virtual and physical), supported currencies and wallet model against similar cards before moving funds or completing onboarding.

Fees and live terms to verify

FX fee

$3 per foreign transaction on Fold; $0 on Fold+

Check whether provider conversion, network or settlement rules add extra cost.

Monthly fee

Fold $0; Fold+ $10 monthly or $100 annually

Some cards are free to hold, while others move costs into tiers or issuing fees.

ATM and cash access

$3.50 on Fold; $0 on Fold+; ATM operator fees may still apply; ATM withdrawals from the prepaid USD balance

If ATM use matters, verify cash withdrawal availability, fees and limits before relying on the card.

Funding

USD cash balance, ACH

Confirm supported funding assets, networks and settlement timing in the live provider flow.

Provider card terms can change. Always verify the live fees, limits and eligibility before applying or moving funds.

Feature Overview

Fold Debit Card feature overview
Cashback	Fold+ lists 0.5% on other eligible purchases, 1.5% rotating categories and up to 15% merchant boosts
KYC	Required
Supported regions	US
FX fee	$3 per foreign transaction on Fold; $0 on Fold+
Currency	USD
Card tiers	Standard account and Fold+ membership
Delivery	Virtual and physical
Monthly fee	Fold $0; Fold+ $10 monthly or $100 annually
Top-up methods	USD cash balanceACH
Supported networks	Bitcoin
Withdrawal options	ATM withdrawals from the prepaid USD balance
ATM withdrawal fee	$3.50 on Fold; $0 on Fold+; ATM operator fees may still apply

Key Features

Prepaid Visa debit card issued by Sutton Bank

Fold+ lists a 0.5% base rate on eligible signature debit purchases

Rotating category boosts list 1.5%, while merchant boosts can reach 15%

USD cash balance funding

ACH account and routing number features

Fold+ removes the published Fold foreign-transaction and ATM fees

Regional Availability

Available

Restricted

None listed

Not specified

None listed

Pros

Good: Current reward rates and Fold+ membership costs are published
Good: Uses a familiar prepaid Visa debit structure
Good: Fold+ removes Fold's listed foreign-transaction and ATM fees

Cons

Watch: Card-spend rewards require Fold+ membership
Watch: The 0.5% base reward is lower than the rotating category and merchant headlines
Watch: Primarily a US product

General Questions

Is Fold Debit Card a crypto debit card?

Fold Card is a prepaid Visa funded from a USD balance. Fold+ members can earn bitcoin rewards on eligible purchases, but it does not spend bitcoin directly at checkout.

Who issues the Fold Debit Card?

Fold states that the Fold Card is issued by Sutton Bank.

How much does Fold+ cost and what card rewards does it add?

Fold lists Fold+ at $10 monthly or $100 annually. Current terms list 0.5% on other eligible signature debit purchases, 1.5% rotating categories and merchant boosts that can reach 15%.