Fold Card
Best for documentation-led evaluation
How it rates
- Programme page published at a public address
- No fee documentation found at a conventional public address
- Terms not found at a conventional public address
Each indicator scores 2, 1 or 0. A pillar is the points earned over the points available; the overall score is the weighted sum. Every source below is public — check any of them yourself.
- Met
- Not metTerms and conditions published
Not found at a conventional address at this check.
- Met
- PartialSupport resource published
Published at a documented URL; automated retrieval blocked at this check.
support.foldapp.com/ - Met
- Not metFee documentation published at a public address
Not found at a conventional address at this check.
- Not metFee documentation readable without an account
Not established at this check.
- Not metCosts documented alongside the programme
Neither fee nor terms documentation found at this check.
- Not metRates displayed on the fee page
Not available at this check.
- Not metTerms describe charges and liability
Not found at a conventional address at this check.
- Met
- Not metFee or pricing information published
Not found at this check.
- Not metTerms published
Not found at this check.
- PartialSupport or help resource published
Published at a documented URL; automated retrieval blocked at this check.
support.foldapp.com/ - Met
- Met
- Met
- Not metTerms documentation published
Not found at this check.
- PartialSupport channel published
Published at a documented URL; automated retrieval blocked at this check.
support.foldapp.com/ - Not metFee policy published
Not found at this check.
- Met
- Not metFee documentation reachable
Not found.
- Not metTerms reachable
Not found.
- PartialSupport reachable
Published at a documented URL; automated retrieval blocked at this check.
support.foldapp.com/ - Met
A US card paying rewards in bitcoin rather than points, from the first Bitcoin financial services company listed on Nasdaq.
Our assessment
Fold pays rewards in bitcoin — not points, not a platform token, not a stablecoin. Fold Holdings, Inc. trades on Nasdaq under FLD, making it the first publicly listed Bitcoin financial services company and one of the few card operators here filing audited accounts.
Sats back is a different product
A reward paid in a platform token is a reward whose value the issuer influences and whose market is thin. A reward paid in bitcoin is a reward in the most liquid asset in the sector. Whether that is better depends on your view of bitcoin — but it is at least an asset you can sell at a known price on any day.
A listed operator behind the card
Card programmes fail, and when they do the operator's balance sheet is what determines whether balances come back. A Nasdaq listing means quarterly audited disclosure of exactly that. Among the fifteen programmes here, only a handful have a publicly accountable parent, and it is worth more than a percentage point of rewards.
Where twelve indicators failed
Terms were not retrievable at a conventional address, fee documentation was not published at a public address, and rates were not displayed on a fee page. A Bitcoin rewards credit card rolled out from May 2026 with Stripe and Visa advertises up to 4% back at Visa merchants; the underlying rate structure remains unpublished where a prospective user would look for it.
Who it suits
Fold fits US users accumulating bitcoin who want spending to add to the stack rather than to a points balance, and who value a listed operator. Users outside the US, or who want published terms before applying, should look elsewhere in this table.
How rivals compare
| Service | Score | Best for | |
|---|---|---|---|
| Crypto.com Visa Card | 9.7 | published card terms and costs | Read → |
Frequently asked
Does this score rate Fold Card's rewards?
No. Rewards and cashback change frequently and are not scored. The score reflects what a prospective cardholder can read before applying: programme page, fee documentation and terms.
Why is cost weighted so heavily for cards?
A card is a payment rail. Its conversion spread and fees are the product, so the rubric puts 35% of the weight on whether those are published and readable.
Is regional availability part of the score?
No. Our methodology excludes country availability from scoring entirely. Check the provider's own terms for where the card is offered.