Celtic Bank / Fold (serviced through Stripe) · VISA

Fold Bitcoin Credit Card

Name: Fold Bitcoin Credit Card
Brand: Celtic Bank / Fold (serviced through Stripe)

Available

A no-annual-fee US Visa with unlimited 1.5% bitcoin base rewards and conditional Reserve boosts up to 5%.

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Documented changes

Observed 2026-10-05 · Effective 2026-09-24

Legal rewards terms replace the advertised 4% bonus structure

The current agreement keeps the unlimited 1.5% bitcoin base and replaces Auto-Stack and bitcoin-payment bonuses with Reserve boosts, reaching 5% total at a $100,000 tier on the first $5,000 of monthly eligible spend. Reserve is staged and does not apply until visible on the account. Fold's live marketing page still says up to 4%, so the legal terms control.

Fold ↗

Documented terms

Plan price: No annual fee; a Fold account is required and may have separate fees. The published variable purchase APR is 20.49%-29.49% as of 17 September 2026
Issuance and shipping: No separate issuance fee is listed; credit approval applies. Late or returned-payment fees can be up to $30
Per-purchase fee: Not yet verified
FX and conversion: No foreign-transaction fee; Visa converts foreign purchases at its applicable network rate
Top-ups: Purchases use a US-dollar credit line. Paying a statement by selling bitcoin applies dollar proceeds and may create a taxable disposition
ATM: Cash advances may not be available; check the account-specific card agreement and disclosures
Rewards and limits: Unlimited 1.5% bitcoin base; Reserve tiers can raise the total to 1.75%-5% on the first $5,000 of monthly qualifying spend at $15,000-$100,000 balances. Reserve boosts apply only after account access is enabled; the public card page still advertises the superseded 4% bonus structure
Eligibility: Fold's general terms require a US citizen or lawful permanent resident primarily living in the 50 states or DC, age 18 or older and a valid SSN; Celtic Bank credit approval and product-specific eligibility apply
Custody: Not yet verified

A plan with verified numerical rules has not yet been recorded for this profile.

Sources and dates

Each source states what it documents and when it was checked. An older reference does not confirm every current cost.

Fold / Celtic Bank: Fold Bitcoin Credit Card Cardholder Agreement v2 ↗
Version 2 effective 24 September 2026: Celtic Bank issues the Visa credit card and Fold services it through Stripe; no annual fee or foreign-transaction fee; variable purchase APR 20.49%-29.49% based on creditworthiness (disclosure dated 17 September 2026); late and returned-payment fees up to $30; cash advances may not be available; account-specific credit approval and disclosures control.
Checked 2026-10-05
Fold: Fold Bitcoin Credit Card Rewards Program Terms v2 ↗
Version 2 effective 24 September 2026: unlimited 1.5% base bitcoin rewards; Fold Reserve can raise the rate to 1.75%-5% at Reserve balances of $15,000-$100,000 on the first $5,000 of monthly qualifying spend, with tiers and boosts unavailable until Reserve is enabled on the account. Replaces the former Auto-Stack and bitcoin-payment bonuses; exclusions and 30-day withdrawal lock apply.
Checked 2026-10-05
Fold: Fold Terms and Conditions v3 ↗
Version 3 effective 1 October 2026: Fold Reserve is being enabled in stages. Section 19.6.2 gives all prepaid cardholders an uncapped 0.25% base reward without Reserve; higher tier rates and fee waivers are conditional on Reserve access and balance. The version history leaves uncertainty about legacy Fold+ membership pricing for accounts still on the 14 August terms.
Checked 2026-10-07
Fold: Fold Bitcoin Credit Card ↗
Current public product page describes card features and still advertises the former up-to-4% reward structure based on Auto-Stack activity and bitcoin statement payments.
Checked 2026-10-05

Other products to research

Fold Visa Prepaid Card →Gemini Credit Card →Coinbase One Card →

Guides to costs, cashback and custody →

Documented changes

Observed 2026-10-05 · Effective 2026-09-24

Legal rewards terms replace the advertised 4% bonus structure

Fold ↗

Documented terms

Plan price

No annual fee; a Fold account is required and may have separate fees. The published variable purchase APR is 20.49%-29.49% as of 17 September 2026

Issuance and shipping

No separate issuance fee is listed; credit approval applies. Late or returned-payment fees can be up to $30

Per-purchase fee

Not yet verified

FX and conversion

No foreign-transaction fee; Visa converts foreign purchases at its applicable network rate

Top-ups

Purchases use a US-dollar credit line. Paying a statement by selling bitcoin applies dollar proceeds and may create a taxable disposition

ATM

Cash advances may not be available; check the account-specific card agreement and disclosures

Rewards and limits

Unlimited 1.5% bitcoin base; Reserve tiers can raise the total to 1.75%-5% on the first $5,000 of monthly qualifying spend at $15,000-$100,000 balances. Reserve boosts apply only after account access is enabled; the public card page still advertises the superseded 4% bonus structure

Eligibility

Fold's general terms require a US citizen or lawful permanent resident primarily living in the 50 states or DC, age 18 or older and a valid SSN; Celtic Bank credit approval and product-specific eligibility apply

Custody

Not yet verified

Sources and dates

Each source states what it documents and when it was checked. An older reference does not confirm every current cost.

Fold / Celtic Bank: Fold Bitcoin Credit Card Cardholder Agreement v2 ↗

Version 2 effective 24 September 2026: Celtic Bank issues the Visa credit card and Fold services it through Stripe; no annual fee or foreign-transaction fee; variable purchase APR 20.49%-29.49% based on creditworthiness (disclosure dated 17 September 2026); late and returned-payment fees up to $30; cash advances may not be available; account-specific credit approval and disclosures control.

Checked 2026-10-05

Fold: Fold Bitcoin Credit Card Rewards Program Terms v2 ↗

Version 2 effective 24 September 2026: unlimited 1.5% base bitcoin rewards; Fold Reserve can raise the rate to 1.75%-5% at Reserve balances of $15,000-$100,000 on the first $5,000 of monthly qualifying spend, with tiers and boosts unavailable until Reserve is enabled on the account. Replaces the former Auto-Stack and bitcoin-payment bonuses; exclusions and 30-day withdrawal lock apply.

Checked 2026-10-05

Fold: Fold Terms and Conditions v3 ↗

Version 3 effective 1 October 2026: Fold Reserve is being enabled in stages. Section 19.6.2 gives all prepaid cardholders an uncapped 0.25% base reward without Reserve; higher tier rates and fee waivers are conditional on Reserve access and balance. The version history leaves uncertainty about legacy Fold+ membership pricing for accounts still on the 14 August terms.

Checked 2026-10-07

Fold: Fold Bitcoin Credit Card ↗

Current public product page describes card features and still advertises the former up-to-4% reward structure based on Auto-Stack activity and bitcoin statement payments.

Checked 2026-10-05