Fold
Fold is a bitcoin rewards card (debit + credit) issued on Visa, rated 7.0/10 in our latest review. Below: what it costs and what it demands, the tiers the issuer publishes, and how the card cleared our live checkouts.
Fold is the strongest fit for free issuance, and asks for ID + proof at signup — we carry it at high risk. Treat the fee rows as the deciding factor: a card that clears reliably but charges on every top-up costs more than its rating suggests.
Profile
| Issuer / category | Fold · Bitcoin rewards card (debit + credit) |
| Official site | https://foldapp.com |
| Best for | Free issuance |
| Network | Visa |
| Rating | 7.0/10 (3.5★, 176 data points) |
| Data quality | verified |
Costs and fees
| Card creation fee | Free |
| FX / conversion fee | 0% |
Verification and risk
| KYC required | Yes (US residents) |
| Risk level | High |
| AVS check | No |
| 3-D Secure | Yes |
Funding and limits
| Crypto top-up | Yes (Bitcoin) |
Billing
| Billing country | US |
What the issuer states on its own site
- Pull out physical cash at any ATM with no added fees.
- If you have a Fold Card, accounts are subject to pass-through FDIC insurance up to $250,000 per ownership category, should Sutton Bank fail.
- If you have a Fold Card, up to $250,000 of your balance is covered by FDIC insurance on a pass-through basis through Sutton Bank, Member FDIC, if certain conditions have been met.
- Just paid for snacks at AMC with Fold and got 5% back!
- Coverage limit is subject to aggregation of that accountholder's funds held at Sutton Bank.
Source: https://foldapp.com.
How it performed in our tests
| BIN range | Network | Issuing country | Type | Charges | Cleared | Clear rate |
|---|---|---|---|---|---|---|
| 427527 | Visa | United States | Credit | 330 | 240 | 72.7% |
We logged 240 cleared charges out of 330 attempts on 1 documented range for this brand. Counts include renewals, not just first charges.
Where to go next
Issuing country
Other Visa virtual cards
Frequently asked
What does Fold cost to run?
The cost lines stack like this: issuing the card is free; conversion is priced at 0%. Cash-out costs are what compound here, so weigh the recurring lines above the one-off fee.
Do I need to verify my identity for Fold?
Fold asks for ID + proof at signup. The check runs once when the account opens, not on each charge, and the issuer's own wording is: Yes (US residents)
How can I fund Fold?
You can fund it with crypto (Bitcoin). Pick the one you can top up cheaply and repeatedly, because the load fee is charged every time.
Which billing address does Fold need?
Setting it up: cards are issued against US; an AVS check is not applied. Copy the address the issuer generates rather than retyping it. A transposed digit is the most common reason a working range starts failing.
Will Fold trigger 3-D Secure?
Yes. Fold supports 3-D Secure, so expect a step-up prompt on larger or first-time charges. An OTP you can complete is fine; a challenge that never arrives is what kills the order, so keep the issuer app open at checkout.
How VCCFinder tests
VCCFinder buys cards at retail and charges them on live checkouts, then publishes the clear rate and decline reasons next to each range. Where a card declined, the reason sits on its BIN page rather than in a footnote here.