Fold’s Bitcoin Credit Card Offers Up to 3.5% Back—No Categories, No Deposit Hurdles
Fold Holdings (NASDAQ: FLD) just made a move that could put Bitcoin in millions of wallets: its new Fold Bitcoin Rewards Credit Card™ will let users earn up to 3.5% back in bitcoin on every purchase, with instant rewards and a transparent structure. The launch, powered by Stripe Issuing and running on the Visa network, aims to remove complexity from crypto rewards, opening the door for everyday shoppers—not just crypto veterans—to build long-term wealth in bitcoin.
Seamless Integration: Stripe’s Technology and Visa’s Reach Set the Stage
The new Fold card leverages Stripe’s programmable financial infrastructure and Visa’s vast acceptance footprint. Fold cardholders can expect the kind of speed and reliability found in leading mainstream credit cards, with rewards that cut through the usual fine print. No need to manage rotating categories or stake special tokens; simply use the card anywhere Visa is accepted, and get bitcoin back—instantly and transparently.
Clear and Consistent Bitcoin Rewards: Instant Earnings with Everyday Purchases
Unlike many rewards programs, Fold offers unlimited 2% back in bitcoin immediately after purchase, plus up to an extra 1.5% for users who pay off their purchases via the Fold Checking Account and meet certain activity requirements. On top of that, the Fold rewards network includes major brands, letting cardholders earn as much as 10% back in bitcoin when spending at top retailers like Amazon, Target, Home Depot, Uber, Starbucks, and more.
| Card Feature | Details |
|---|---|
| Instant Bitcoin Rewards | Unlimited 2% back, instantly credited |
| Additional Rewards | Up to 1.5% back with Fold Checking Account payments (qualified activity required) |
| Bonus at Partner Retailers | Up to 10% back at Amazon, Target, Home Depot, and others |
| Requirements | No categories to track, no tokens to stake, no deposit needed |
| Reward Type | Bitcoin only, with no lock-in or token restrictions |
| Card Network | Visa, powered by Stripe Issuing |
Scaling for the Mainstream: Over $3.1 Billion in Transactions Processed
Fold’s leap to public markets is backed by strong adoption: more than $3.1 billion in transactions processed and $83 million distributed as bitcoin rewards. The company holds nearly 1,500 BTC in its treasury, further reinforcing its role as a bridge between traditional finance and the growing digital asset economy.
Why This Matters: Transparent Bitcoin Access for Every Consumer
With this card, Fold aims to give mainstream shoppers what the crypto-savvy have sought for years: a way to passively stack bitcoin with everyday purchases, no technical barriers required. "There are no categories to manage, no tokens to stake, no exchange account or balance requirements; just real bitcoin, earned automatically with every purchase," said Fold’s CEO Will Reeves.
Whether you’re new to digital assets or a bitcoin believer from day one, Fold’s partnership with Stripe and Visa looks set to reshape rewards—and maybe, the way people think about saving and spending.
Key Takeaway: Fold Sets New Standard for Crypto Credit Cards
The combination of mainstream technology, transparent rewards, and pure bitcoin payouts means Fold’s card could quickly become the benchmark for future digital asset financial products. Investors and crypto enthusiasts may want to keep a close eye on further adoption metrics as the rollout accelerates. With $3.1 billion already processed and 1,500 BTC on the books, Fold is showing how seamlessly bitcoin can integrate into daily financial habits—no trade-offs required.
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