Fold Review 2026
Stack sats on every purchase — FDIC-insured, Nasdaq-listed
FDIC Insured FDIC InsuredNasdaq Listed
Affiliate disclosure: Some links on this page are affiliate links. If you open an account, we may earn a commission at no extra cost to you. This never influences our scores or rankings — see our methodology.
BC
5.2
Fold
Stack sats on every purchase — FDIC-insured, Nasdaq-listedThe only US Bitcoin rewards debit card backed by a publicly traded company with FDIC-insured deposits — but limited features and poor support cap its appeal.
★ 1.8 Trustpilot
FDIC Insured FDIC InsuredNasdaq Listed
Fold: Pros & Cons
✓ Pros
- ✓ FDIC-insured deposits — protected up to $250,000
- ✓ Publicly traded on Nasdaq (FLD) — transparent company
- ✓ Earn Bitcoin on every purchase automatically
- ✓ No monthly fee on standard plan
- ✓ Direct deposit available
✗ Cons
- ✗ 1.8/5 Trustpilot — significant user frustration
- ✗ US-only — not available internationally
- ✗ No yield on deposits — cashback only
- ✗ BTC only — no altcoin support
- ✗ Very limited features vs global competitors
Our Score Breakdown
5.2 / 10
Regulatory Safety 20% 7
Yield / Earn Rates 15% 2
Banking & Fiat 13% 6
Debit Card 12% 7
Fees 12% 7
Coin Selection 10% 1
User Experience 10% 7
Customer Support 8% 3
Scores are weighted composites across 8 criteria. See full methodology →
At a Glance
Max APY
—
Coins
1
Trustpilot
1.8/5
Founded
2019
FDIC Insured
Yes
MiCA Compliant
No
IBAN Account
No
Debit Card
Yes
Key Features
- ▸ Visa debit card with BTC cashback on all purchases
- ▸ FDIC-insured deposits (via bank partner)
- ▸ Spin-the-wheel BTC rewards
- ▸ Bitcoin savings (custodied)
- ▸ Up to 10% BTC back at select merchants (Fold+)
- ▸ Paycheck direct deposit
Pricing & Plans
Standard Free
0.5% BTC cashback on all purchases; basic spin rewards
Fold+ $9.99/mo
Up to 10% BTC back at select merchants; better spin odds; premium perks
Regulatory Status
Banking via Blue Ridge Bank (FDIC insured); money transmitter licences in multiple US states; Nasdaq listed (FLD)
FDIC Insured FDIC InsuredNasdaq Listed
Frequently Asked Questions
Is Fold safe? +
Fold has a regulatory status of: Banking via Blue Ridge Bank (FDIC insured); money transmitter licences in multiple US states; Nasdaq listed (FLD). Deposits are FDIC insured up to $250,000. Always verify current regulatory status directly with the platform before depositing.
What is the maximum APY on Fold? +
Fold does not offer a traditional yield/APY product. 0.5–10% BTC cashback on spending (not interest yield)
Where is Fold available? +
Fold is available in: US. Markets served: United States.
Does Fold have a debit card? +
Yes. Fold offers a debit card. Visa debit card with BTC cashback on all purchases
Compare Fold vs Competitors
Ready to open a Fold account?
Opens in a new tab. Affiliate link — we may earn a commission.
Open Fold Account ↗