Celtic Bank
Utah bank and fintech credit-card partner issuing the Fold Bitcoin Credit Card

Utah-chartered, FDIC-insured bank offering lending and fintech-partnership programmes. Fold's current rewards terms identify Celtic Bank as issuer of the Fold Bitcoin Credit Card. Purchases use a US-dollar credit line and rewards are administered in bitcoin by Fold; paying a statement with bitcoin causes Fold to sell the asset and apply US-dollar proceeds, so the card is not direct crypto spending.