Issuer referenceCrypto cardVisa

Fold Visa Prepaid Card

A US-dollar prepaid Visa that earns variable bitcoin rewards through Fold.

Fold Visa Prepaid CardVisa

The Fold Visa Prepaid Card is issued by Sutton Bank and managed through Fold, with Marqeta serving as programme manager. Purchases debit a US-dollar prepaid balance rather than bitcoin. Fold can award bitcoin separately; bitcoin and rewards are not FDIC- or SIPC-insured, while eligible fiat funds may qualify for pass-through FDIC insurance only under the programme's conditions.

Go to official site View all cardsReviewed 2026-08

Rewards

No verified cashback

Fees

Base plan has no monthly or annual fee; Fold+ is $10 monthly or $100 annually

Custody

Custodial

Eligibility

Available to eligible US citizens or legal residents age 18 or older with a US tax identification number and verifiable US address. Programme approval and current cardholder terms apply.

Fees

Monthly feeBase plan has no monthly or annual fee; Fold+ is $10 monthly or $100 annually

IssuanceNo base issuance fee is listed; base replacement is $5

FXBase foreign transaction fee is $3 per transaction; Fold+ lists no Fold foreign-transaction fee

ATMBase ATM withdrawal fee is $3.50; Fold+ lists no Fold ATM fee, but ATM operators may charge

Top-upsInstant debit-card loads and withdrawals cost 1.5%, capped at $25; the card spends a US-dollar prepaid balance, not bitcoin directly

Rewards

Fold currently markets bitcoin purchase rewards, but the reviewed prepaid pages do not publish one standing percentage for every cardholder. Membership, merchant offers, and promotions can change the return.

Availability

Available to eligible US citizens or legal residents age 18 or older with a US tax identification number and verifiable US address. Programme approval and current cardholder terms apply.

United States

Official sources

Fold prepaid cardholder agreementCurrent Sutton Bank issuer, Visa network, Marqeta programme manager, US eligibility, fees, prepaid funding, and insurance boundaries.Fold rewardsCurrent coexistence of Fold prepaid and credit products and bitcoin-reward positioning.Fold terms and conditionsCurrent Fold membership, reward, account, and non-bank service boundaries.

Pros & cons

Pros

Bitcoin rewards
No base monthly or annual fee
Visa acceptance
Optional Fold+ fee discounts

Cons

US-only onboarding
Not direct bitcoin spending
Variable reward economics
Base ATM and foreign-transaction fees
Custodial prepaid balance

Best for

US bitcoin users wanting prepaid spending
Fold members comparing free and Fold+ pricing
Users who prefer rewards over crypto-funded authorization

Alternatives

Fold Bitcoin Credit Card

Check official terms

Coinbase Card

Check official terms

Gemini Credit Card

Check official terms

This is not financial advice. Conditions change frequently: verify fees, rewards, custody and eligibility on the official site before applying.

Fees

Monthly feeBase plan has no monthly or annual fee; Fold+ is $10 monthly or $100 annually

IssuanceNo base issuance fee is listed; base replacement is $5

FXBase foreign transaction fee is $3 per transaction; Fold+ lists no Fold foreign-transaction fee

ATMBase ATM withdrawal fee is $3.50; Fold+ lists no Fold ATM fee, but ATM operators may charge

Top-upsInstant debit-card loads and withdrawals cost 1.5%, capped at $25; the card spends a US-dollar prepaid balance, not bitcoin directly