Crypto card review
Fold Card review: fees, limits and KYC
Fold Card is a physical and virtual card on the visa network. It costs $120 a year. It pays 0.5-1.5% cashback on spending. The provider requires identity verification before issuing it. The provider lists the United States as a supported region.
VisaVirtualPhysicalKYC required
Crypto card fees on Fold Card, and what it offers
Three fields decide what Fold Card costs: the annual fee, the issuance fee and the top-up fee. For this card the dataset holds an annual fee of $120, an issuance fee of Free and a top-up fee of Not supplied. Top-up is the one that recurs, because it is charged each time value is moved onto the card, which is why it costs more over a year than the annual fee usually does. Fold Card publishes no ATM limit, so the dash in that column means the dataset holds no value for it rather than that there is no limit.
| Network | Form | KYC | Annual fee | Issuance | Top-up | Cashback | ATM limit | Wallets | In the US |
|---|---|---|---|---|---|---|---|---|---|
| Visa | Virtual, Physical | Required | $120 | Free | — | 0.5-1.5% | — | Apple Pay, Google Pay | Yes |
A dash in this table means the provider dataset holds no value for that field. It does not mean the fee is zero. Fee and limit data was last updated 2026-10-02.
Where Fold Card is available
The provider lists US as supported, and excludes Global (except US). Availability is the first thing to check, because a lower fee does not help if the provider will not issue to you.
What you can spend from Fold Card
The provider supports these assets directly on the card: BTC. Anything not on that list has to be converted before you spend it, and the conversion fee applies.
Cashback and rewards are paid in BTC.
The trade-offs on Fold Card
These are read straight off the fields in the table above, not opinions.
What works in your favour
- Free card issuance
- 0.5-1.5% cashback on spending
- Apple Pay and Google Pay supported
- Physical and virtual card
What costs you
- $120 annual card fee
- Identity verification required
- No ATM withdrawal limit published
What people say about Fold Card
Short extracts from public reviews, kept short and linked back to the source, collected 2026-09-29. These are other people's opinions, not ours.
These come from Trustpilot and cover the whole Fold Card service, not only the card, so account handling, support and transfers appear alongside anything about spending. They are the reviews the source lists first, not a balanced or curated selection, so a run of complaints can appear here exactly as it does on the source. A block is only shown when enough of the collected reviews actually discuss spending with crypto, because a brand name is not a product and some providers share a name with an unrelated business. Read this section for the provider's reputation and the table above for what the card itself charges and does.
Another company that executes KYC poorly. I have multiple validated KYC accounts with banks, brokerage firms, and other crypto spaces. I use the info already…
MM, trustpilot.com, rated 1/5
My BTC balance suddenly shows ZERO on the Fold App. I discovered this when my weekly direct to BTC auto purchase failed last nIght.It’s the…
dfahey, trustpilot.com, rated 1/5
This company has very bad customer support. I’ve had direct deposit there since June. Try to withdraw it can’t. Try to purchase bitcoin can’t. Try…
Alesha Rainford, trustpilot.com, rated 1/5
They hold your bitcoin for 7 days after purchase before you are able to withdraw. This is very backwards and fishy to me. Defeats the…
Consumer, trustpilot.com, rated 1/5
Just over the moon with my fold reformer bed!! Everything from when I placed my order through to using it in my home has been…
Sarah Pick, trustpilot.com, rated 5/5
I am completely in love with my Fold bed!It gets daily use for my own practice and class planning (I’m a Reformer Instructor myself!) -…
Emma, trustpilot.com, rated 5/5
Fantastic product & team! Wishing you all every success!👍 It’s 5 stars from us! Dave & Tina!
Tina, trustpilot.com, rated 5/5
Before buying it, I actually went to one of the Fold events in London to see it in real life, because as some of the…
YK, trustpilot.com, rated 5/5
Love my Reformer, as a company their customer service support is above and beyond. They aim to get back to you I. 2-3 working days…
Lexy Butler, trustpilot.com, rated 5/5
My first experience with FOLD was back in May this year when I ordered some of their own-brand grip socks which developed holes during the…
Megan, trustpilot.com, rated 3/5
Cards to compare Fold Card against
Available in the country you are browsing from, on the same fields as the table above.
| Card | Network | Form | KYC | Annual fee | Issuance | Top-up | Cashback | ATM limit | Wallets | In the US |
|---|---|---|---|---|---|---|---|---|---|---|
| Plasma One | Visa | Virtual, Physical | Required | Free | Free | Free | 2% | — | Apple Pay, Google Pay | Yes |
| Kardpay Card | Mastercard | Virtual | — | Free | $29 | 5% | 0-2% | $1,500 · daily | — | Yes |
| Zero Fiat Browser Extension | Mastercard | Virtual | Not required | Free | Free | Free | 1% | — | — | Yes |
Fold Card in context
Cashback 0.5-1.5%, top-up Not supplied, annual fee $120. Provider terms change on their own schedule; confirm anything you rely on with the provider before you fund an account.