Fold: Bitcoin Personal Finance

• Free

Last verified 31 Jul 2026

• Free to download

Last verified 1 Aug 2026

4.2 2249 ratings · App Store

1. 5/5Could be the PERFECT Card/App???

   When I transitioned from traditional credit back to debit transactions I knew I was taking the harder road. However, the Fold card and its features were worth the sacrifice. I love spinning to get Sat’s back for every transaction I make. I wish I could score the occasional high percentage reward, but I know that’s just not how algorithms and businesses work. The standard 1% and occasional 2% are mainly the high points of success on the wheel. In the end it doesn’t matter, because every Sat I get is just another inch closer to financial sovereignty. Perhaps someday I’ll score the whole Bitcoin or 100% back, but until then all of my available transactions are going to be Fold transactions. The one big complaints I have is that my wife and I really want to put everything we pay for on our Fold Card, but there are limitations. The big fish that we would really like to put on the Fold Card would be our mortgage payment. However, there is only a hack method of achieving that. That method is to pay your mortgage through PayPal by linking your Fold Card as payment…unfortunately it requires your lender to accept payment from PayPal or Fold to allow you to use your routing number to be connected to the lender as payment and it’s very limited at this time. THAT would be an awesome big fish to spin on every month. Perhaps as the Fold Card grows and matures, it will be accepted more and more by most agencies. Otherwise this is an amazingly fun App to use. Please continue to improve this Card/App and I will continue to keep stacking Sats.

   GoodFun1974 · 31 Jul 2026

2. 5/5Loyal Fold User

   Great way to stack Bitcoin and get sats back on the fiat transactions you had to make anyway! For nearly 3 years I have been a loyal user. Have needed support a few times, and the emailers at the other end have always been prompt, courteous and helpful. Like how you can buy Bitcoin during the dips in mere seconds; only complaint is how there is a fee in the form of a higher price being charged compared to spot. Like, if spot is $92,000/BTC the moment before I hit the Buy button, the confirmation will show some percentage higher, like $93,250, on top of the stated transaction fee. Feels like paying a fee twice. Always we know the middleman, Fold being the on-ramp in this case, gets his due, but it just feels a bit scammy. But, I still give Fold a high score, since any other on-ramp seems to round up in a similar subtle way, as if we won’t notice. Coinbase certainly does this. Gold and silver dealers do it too.

   ChrisDremann · 31 Jul 2026

3. 1/5What happened… Who is running this card now?

   Using for over 5 years, premium ($100) card for 2 years. I have been using this card since around 2019 getting gift cards for AirBnB. It was exciting for the spins where you had semi decent chances for winning bitcoin. I liked it so much I even got one of the Fold backpacks… Now the chances of winning anything aren’t even close to where they used to be. Rewards certainly aren’t where they used to be. I’ve been slowly watching them cut back more and more every year on rewards. They aren’t competitive with anyone else major at this point, there is no real “fun” with the spins anymore. I don’t know if they are doing this because they are trying to go public or what but it’s not what it used to be. Sad to see the direction this company went after being a loyal user for half a decade. Edit: It’s a bit dishonest to say the rewards haven’t changed. Originally there was no “premium pay” for $100 a year, rewards and bitcoin back have had percentages taken away/diminished, the spin wheel is a shell of its former self. You have to spend $20,000 a month (?!) before you get 1.5 percent back that isn’t ACH…There wasn’t a I remember excitedly people sharing big wins in the discord group. That is gone, or very small compared to where it was.

   pkpquagmire517 · 31 Jul 2026

4. 1/5Fold is a joke

   After seeing a friend spin the wheel and “win” satoshis, I was excited enough to open and account and try it myself. The entire experience was a complete disappointment. I have to say that I’m not a Bitcoin millionaire and my usage is one that I’m comparing to experiences using credit and debit cards and earning rewards. First off, the reward rate never averaged above 1.5%, which didn’t compare with my other credit cards. Second, the card itself took 3+ weeks to arrive, and is about the quality you’d expect from a 1985 library card or Kroger rewards card. Basically the opposite you get from the Apple Card, etc. Third, it’s a pain to remember to come back to the app to spin the wheel, and those spins expire, so you’re constantly having to come back to the app after each purchase. I have better ways to spend my day. Lastly, when I tried to withdraw money from my account, there wasn’t a single ATM that would do so anywhere near me (I live in a metro with Costco, Target, Whole Foods, Nordstroms, but no fee free ATMs for Fold). So when I asked for a check to be sent to me, they charged me for that, and for “activating” my account. Fold is a bust. Just get an Apple Card and get 2% back.

   Don't Call it San Fran · 31 Jul 2026

5. 2/5🤬Debt deposit limit reached🤬

   I've never even broke 1k using this card, and this would not be an issue if your service supported my credit union but because it doesn't ( your fault that it doesn't by the way) which pisses me of to begin with. But now you totally make my card and account useless being unable to fund my account. Your social media is more focused on parading around sats earners then urgently addressing this issue, this forces people to lose time and sats because of of this. And that makes me even more angry. It shows you don't truly value your customers time. This should be a (all hands on deck we will,fix this in X amount of hours but your reply has been. "Eh, we'll fix it sometime next week" and that attitude right there will ruin your company and customers good will which is already happening with less and less engagement I've noticed form your social media postings. Your support staff is equally as useless as they send canned email replies to saying "durrr use the Banking link feature durrr!" Which doesn't work for those of use who your increasingly crappy service doesn't support!!

   3machine · 31 Jul 2026

3.5 1949 ratings · Google Play

1. 1/5

   Get error when try to set up a new account. May try again when they work out the kinks.

   Boda Cusa · 1 Aug 2026

2. 4/5

   Awesome service so far. Love that I can get BTC back for paying my mortgage. Also the gift card options are good and it's fast, smooth and just works. They're doing a great job! Completely happy being +Fold member so far

   Glenn · 1 Aug 2026

3. 1/5

   do you available in Pakistan

   Arsalan · 1 Aug 2026

4. 1/5

   I had trouble during setting up. now my username (Gmail address) is used but my Gmail is not. now I can't login nor use Gmail to reset password.

   David Flores · 1 Aug 2026

5. 1/5

   I've been using it for a while now. the cash back has been dramatically reduced, and the 1.5% fee for buying and selling BTC is just ridiculous. edit: just noticed the fees are even worse to the point of being a SCAM. If you want to buy through them they charge you a 1.5% fee, they also mark up the price by another 1 to 1.5%. if you were to sell it, they mark it down by 1 to 1.5%. so 3% fee on BTC transactions. deleting my account now

   David · 1 Aug 2026

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• 200.39.0 · 21 Jul 2026