Visa and Fold have joined forces to introduce an innovative credit card that transforms traditional rewards into bitcoin earnings. The new Fold Bitcoin Rewards Credit Card marks a significant shift in the credit card industry by offering cardholders the opportunity to earn cryptocurrency through their everyday purchases. This partnership combines Visa’s extensive payment network with Fold’s expertise in bitcoin rewards.
Fold x @stripe x @Visa
— FOLD BITCOIN (@fold_app) September 23, 2025
Together, we’re building the Fold Bitcoin Credit Card — designed to deliver up to 3.5% back on every purchase (2% instantly + up to 1.5% when you pay it off with Fold Checking).
Rewarded in Bitcoin. Built on Stripe. Global with Visa. pic.twitter.com/x4vqwm1kjM
Rewards Structure and Benefits
The new credit card introduces a tiered rewards system that caters to different membership levels. Fold+ members will receive 2% back in bitcoin rewards and can earn up to $250 in welcome bonuses. Meanwhile, standard Fold members earn 1.5% in bitcoin rewards with potential bonuses reaching $100. The card provides users with fee-free bitcoin trading capabilities and access to FDIC-insured transactional accounts. Additionally, cardholders benefit from insured bitcoin custody and exclusive merchant bonus offers through the Fold platform.
Strategic Vision and Market Impact
Fold CEO Will Reeves aims to challenge the dominance of traditional mile-based reward programs in the credit card industry. The company has already helped users earn approximately $75 million worth of bitcoin rewards through its existing services. With 600,000 current users, Fold maintains a strong foundation for expansion. The company holds over 1,000 bitcoin in reserves, positioning itself among the top 25 public companies with bitcoin treasury holdings. This strategic approach aligns with Fold’s mission to establish bitcoin as a cornerstone of personal savings for millions of Americans.
The Future of Crypto Rewards
As Fold prepares to become the first publicly-traded Bitcoin financial services company on the NASDAQ, this credit card launch represents a crucial step toward mainstream crypto adoption. The platform integrates comprehensive financial services through its app, including bill payments and automatic paycheck conversion options. By combining traditional credit card functionality with bitcoin rewards, Fold and Visa are creating new pathways for everyday consumers to participate in the digital currency economy. This initiative could reshape how people think about credit card rewards and cryptocurrency accumulation.
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