Fold, a financial services company focused on Bitcoin, has announced today its collaboration with Stripe and Visa to launch the new Fold Bitcoin Credit Card™, aimed at simplifying Bitcoin accumulation to the ease of a card swipe.
This partnership integrates Stripe’s robust infrastructure with Visa’s extensive global payments network, merging scale, reliability, and security into a rewards system fully based on Bitcoin.
A ‘Bitcoin-only’ rewards card
Slated for release later this year, the card promises up to 3.5% back in Bitcoin on every transaction, offering a flat 2% back instantly and an additional 1.5% for users who settle their balance via a Fold Checking Account.
Furthermore, cardholders can earn up to 10% back at leading retail brands like Amazon, Target, Home Depot, Starbucks, and Uber through the Fold rewards network. In contrast to many crypto-related rewards cards that require juggling tokens, staking tiers, or exchange accounts, Fold is promoting its offering as ‘Bitcoin-only, simple, and transparent.’
Fold first revealed its credit card initiatives back in February of 2025.
From a consumer standpoint, the Fold card could simplify Bitcoin accumulation and make it less daunting. Instead of maneuvering through exchanges, wallets, and private keys, users can passively earn Bitcoin as they make everyday purchases.
This “earn first, learn later” strategy has already shown success in welcoming newcomers to Bitcoin, and the card’s straightforwardness may further facilitate adoption.
“Our credit card provides clear and attractive value, making Bitcoin accessible to all,” stated Will Reeves, CEO and founder of Fold. “It’s straightforward enough for those new to Bitcoin, yet designed with the transparency and control that early adopters seek.”
For Fold, this initiative symbolizes the culmination of years spent integrating Bitcoin into everyday finance. The company initially gained traction with its Bitcoin rewards debit card, gift card, and shopping app.
Now, with Stripe and Visa supporting its upcoming credit card, Fold is poised to extend Bitcoin rewards to a wider audience.
Industry partners share this optimism.
“Our new consumer Issuing product is designed to meet this exact need: enabling customers like Fold to introduce new products without the complexities of managing their own program,” remarked Sateesh Kumar Srinivasan, Head of Money Management Product at Stripe.
Cuy Sheffield, Visa’s Head of Crypto, positioned the launch within a larger trend. “Fold’s Bitcoin rewards, combined with Visa’s scale and security, provide consumers with a safe and simple method to earn Bitcoin while shopping,” he noted.
Fold is banking on the appeal of accumulating Bitcoin to connect with consumers. Should the card thrive, it could herald a new era for Bitcoin adoption, transforming earning and saving Bitcoin into a routine activity akin to grocery shopping or hailing a ride home.
