The Fold Bitcoin Rewards Credit Card is on the way—and it’s set to redefine how people earn and grow their wealth through everyday spending. Whether you're new to Bitcoin or already all-in, this card offers a seamless way to accumulate digital assets with every purchase. By combining traditional credit card convenience with the long-term value potential of Bitcoin, Fold is creating a powerful financial tool for the modern era.
👉 Discover how you can start earning Bitcoin rewards today with innovative financial tools.
Introducing the Fold Bitcoin Rewards Credit Card
Designed for both Fold+ subscribers and free-tier users, the Fold Bitcoin Rewards Credit Card delivers automatic cashback rewards paid directly in Bitcoin—just like the popular Fold Debit Card. This integration makes it easier than ever to "stack sats" (accumulate small amounts of Bitcoin) without altering your spending habits.
For Fold+ members, the card unlocks premium benefits:
- Unlimited 2% cashback in Bitcoin
- Free metal card construction
- Zero-fee Bitcoin buys and sells
- Zero-fee direct deposits in Bitcoin
- Enhanced ACH bill pay rewards
- Exclusive and boosted gift card deals
- Higher Bitcoin rewards on Fold Debit Card usage
Users on the free plan aren’t left out—they’ll still earn an impressive 1.5% unlimited cashback in Bitcoin, with the option to upgrade to a durable metal card for a fee.
This dual-tier model ensures accessibility while rewarding commitment, making it one of the most inclusive Bitcoin-earning products on the market.
Why Earn Bitcoin Instead of Points or Miles?
Traditional credit cards reward spending with airline miles, hotel points, or flat cashback in fiat currency—all of which lose value over time due to inflation. In contrast, Bitcoin’s fixed supply cap of 21 million creates scarcity, and historically, rising demand has driven significant price appreciation.
With a compound annual growth rate (CAGR) that outperforms most asset classes over the past decade, Bitcoin stands out as a compelling store of value. For forward-thinking consumers, earning Bitcoin isn’t just a perk—it’s a strategic move toward long-term wealth building.
That’s where the Fold Bitcoin Rewards Credit Card shines:
- Passive accumulation: Turn routine purchases into consistent Bitcoin savings.
- Monetary alignment: Align your spending with an asset designed to preserve and grow purchasing power.
- Financial simplicity: Replace multiple rewards cards with one powerful tool focused on real value.
👉 Learn how you can turn everyday spending into long-term digital asset growth.
Who Is This Card For?
No matter where you are on your financial journey, this card fits:
- New to Bitcoin? Start earning and holding Bitcoin effortlessly—no trading or technical knowledge required.
- Bitcoin believer? Maximize your exposure by spending fiat you borrow (and pay back responsibly), effectively leveraging credit to increase your Bitcoin allocation.
- Somewhere in between? Ditch complicated point systems and consolidate your finances around a single, high-value reward: Bitcoin.
Join the Waitlist & Win Big Prizes
To celebrate the launch, Fold is giving away over $200,000 in prizes—including Bitcoin and statement credits. Here’s how to get involved:
Prize Incentives
Sweepstakes drawing: Open to those who join the waitlist and open a Fold Debit Card account. Prizes include:
- Ten winners: 0.01 BTC each
- One grand prize winner: 0.25 BTC
Waitlist leaderboard competition: Climb the ranks for additional rewards:
- Top 10,000 positions win prizes
- 1st place: $10,000 statement credit
- Prizes are cumulative—the higher your rank, the more you win
Important eligibility notes:
- Must be a legal U.S. resident (excluding NY and FL), 18+
- Waitlist entry alone doesn’t qualify for sweepstakes—opening a Fold Debit Card is required
- Leaderboard participation requires a Fold account
Promotions run from February 11, 2025, to April 30, 2025.
How to Improve Your Waitlist Position
Maximize your chances by earning leaderboard points through these actions:
- Be a Fold+ member and Fold Debit Cardholder
- Enable all in-app automation features
- Share the waitlist across social platforms
- Complete a deposit of $500 or more
- Earn points from regular Bitcoin purchases and daily spending via the Fold Debit Card
You can also boost your standing with strategic gift card purchases. Buying gift cards for brands like Amazon, Kroger, Chevron, and Chewy earns ongoing Bitcoin rewards—and now counts toward leaderboard progress.
Even better: Each verified referral earns you 500 points. Share your unique waitlist link with friends and family interested in financial innovation.
💡 Pro tip: If you add an authorized user, their spending contributes to your total points. However, they must sign up individually to enter the Bitcoin drawing.
A Gateway to Bitcoin Adoption
For many, explaining Bitcoin can feel like an uphill battle. But showing someone they can earn appreciating rewards just by using a credit card? That’s persuasive.
Sharing the message—“This card pays you in Bitcoin, so your rewards actually grow in value”—is far more effective than hours of podcast recommendations. And once they’re in, the Fold app supports new users with intuitive tools:
- Spot buys
- Round-Ups
- Dollar-cost averaging (Auto-Stack DCA)
- Direct deposit conversion to Bitcoin
All backed by insured Bitcoin deposits† for peace of mind.
This makes the Fold Bitcoin Rewards Credit Card not just a financial product—but a powerful onboarding mechanism for the next wave of Bitcoin adopters.
†Insurance covers risks including private key theft, insider threats from custodian staff, and loss of cryptographic keys.
Frequently Asked Questions (FAQ)
Q: Is the Fold Bitcoin Rewards Credit Card available now?
A: Not yet—it’s currently in pre-launch phase. You can join the waitlist to secure early access and qualify for prize giveaways.
Q: Do I need to be a Fold+ member to get the card?
A: No. Both Fold+ subscribers and free-plan users can apply, though Fold+ members receive enhanced benefits like 2% cashback and a free metal card.
Q: How are Bitcoin rewards distributed?
A: Cashback rewards are automatically paid out in Bitcoin and deposited into your Fold wallet, ready for spending or saving.
Q: Can I earn rewards on gift card purchases?
A: Yes! Buying gift cards through Fold earns ongoing Bitcoin cashback—and during the waitlist period, it also helps improve your leaderboard position.
Q: Are there any fees associated with the card?
A: The core program does not charge annual fees for virtual or standard plastic cards. Metal card upgrades may have associated costs. Always review terms before applying.
Q: Is my Bitcoin insured?
A: Yes. Fold provides insurance coverage for digital asset losses due to private key compromise, employee misconduct at the custodian level, or physical key loss.
Disclaimer: Fold is not a bank. Credit products are issued by a partner bank.