Fold
Earn Bitcoin rewards on everyday purchases. First publicly traded Bitcoin financial services company.
Why We Recommend Fold
NASDAQ: FLD (listed February 2025). ~1,500 BTC corporate treasury. $83M+ in Bitcoin rewards distributed. $3.1B+ transactions processed. Zero-fee bitcoin purchases.
Best For
Ideal for Bitcoin enthusiasts seeking to accumulate sats passively through everyday spending, bill payments, and gift card purchases. Suits users who want automated bitcoin stacking without complex setups. Great for both Debit Card users and those awaiting the new Credit Card.
Services & Features
- Zero-fee bitcoin buys
- Fold Debit Card (up to 1% back)
- Fold Credit Card (up to 3.5% back, Visa/Stripe)
- Bitcoin Gift Cards
- Bill pay rewards
- Round-ups
- FDIC-insured checking
- Partner merchant bonuses (up to 10% at Amazon, Target, Uber)
Considerations
Credit Card launching late 2025. Fold+ subscription $150/year for best rates (2% unlimited on credit card). Spread-based pricing on purchases.
