1.5% back0% FXissuer help center
Fold Card: fees & cashback
Source: issuer help center, checked 04 Nov 2026.
Cashback1.5% base in BTC, up to 5% on the top tier
FX / conversionNo foreign transaction fee on the credit card (Celtic Bank)
Annual feeFold card $0 (pricing page)
IssuanceFree
ATMIn-network $0; out-of-network $3.50 (free on Fold+)
RegionsUSA
Bonus: 1.5% BTC unlimited; +0.5% pay-in-BTC; up to 4% on first $2k/mo
Note: US only; bonus tiers need DCA volume
Tiers by plan
TierCashbackFXCapCost
Base1.5%0%
Source: issuer help center, checked 04 Nov 2026.
Questions answered
What cashback does Fold Card pay?
1.5% base in BTC, up to 5% on the top tier
Does Fold Card charge a foreign exchange fee?
No foreign transaction fee on the credit card (Celtic Bank) Listed FX on non-USD spend: 0%.
What does Fold Card cost?
Annual fee: Fold card $0 (pricing page). Issuance: Free.
Where is Fold Card available?
USA
Real receipts
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