Fold: Earn and buy bitcoin 4+

Easy. BTC. Invest. Rewards‪.‬


Designed for iPad

    • 4.3 • 1.8K Ratings
    • Free



Discover Fold, your gateway to building your bitcoin wealth. Earn sats back while you shop and pay your bills.

Start accumulating bitcoin with every purchase and paid bill using the Fold Visa Debit Card.

Upgrade your Fold Card to the Spin+ membership and maximize your bitcoin rewards:
• 1% back on all qualifying Fold Card purchases
• Card Boosts which mean up to 5% back on select spend categories and merchants
• Maximum bitcoin rewards on gift card purchases
• No International or ATM fees
• Chance to win a whole bitcoin every day

Become a Spin+ member and unlock Card Boosts:
• Earn up to 2% back on rotating spend categories
• Get up to 5% back from specific merchants
• Stack your Card Boosts together to maximize your rewards

Shop with your Fold Card and instantly receive up to 20% back in bitcoin when you buy prepaid gift cards from the Fold app. Earn bitcoin rewards on all gift card purchases, regardless of your payment method.

Take control of your bitcoin with no withdrawal fees. Not your keys, not your coins!

Get the free Fold Visa Debit Card to begin your bitcoin journey today. Upgrade to Spin+ and supercharge your sat stacking potential.

What’s New

Version 139.25.8

Good news, everyone!
We squashed some bugs and improved overall app performance.

Happy Stacking,
-The Fold Team

Ratings and Reviews

4.3 out of 5
1.8K Ratings

1.8K Ratings

codablue ,

It’s easy. Good on gift cards, good on wheel

So, this easily matches any other card. What am I going to do with reward mileage or 1% back on buying more products or something. This is an easy way to get involved in the cryptocurrency world, in terms of rewards. The community is good and you can get involved on your own terms. Now I haven’t really explored other offers. And I like they’ve linked to an actual bank.

It’s been consistently above 1%, before and after this current wheel. And the extra spins are fun. Getting rewards for something you were going to purchase is not gambling. I don’t understand how people can equate it like that.

Anyways, the discord community is vibrant and it looks like they’re developing more, like that metaverse thing. Don’t know much, but I dislike Facebook (which is where i see news popping up more when concerning the future of alts in the interweb).

Medsq ,

Was great but going downhill quickly

The fold and spin+ experience was pretty great when I first purchased the yearly membership. However, during that year there were constant downgrades to the membership. They did make some improvements but they didn’t even come close to making up for the downgrades. By downgrades I’m talking about changes to the reward system so you constantly receive less and less rewards. Unfortunately, this has happened so much over the last 2 years that I didn’t renew my spin+ membership.

Also I feel the experience is a tedious and time consuming process if you use it to pay bills. There are constant issues with payments going through and/or deposits and linking accounts. To make it worth the membership fee you have to buy gift cards to get extra rewards, which in my opinion is annoying. The rewards continued to shrink so much that it is no longer worth the hassle of using Fold. And being in NY, fold doesn’t allow me to purchase Bitcoin so I have never been able to utilize that perk. They blew me off when I asked about a reduced membership fee since they do not allow me to purchase Bitcoin.

So ultimately the Fold experience went from 4-5 stars to 1-2 stars over the past 2 years. Hopefully they can reverse the trend of constantly rewarding their members less and less

Developer Response ,

Thank you for sharing your thoughts on our rewards program. We understand your concerns about the recent changes; we made a number of adjustments to ensure the sustainability of our program while still providing value to our users as the best app for growing bitcoin wealth. While it's true that the rewards on the wheel have changed, we've done our best to balance this by introducing new benefits for our Spin+ members, including an automatic 1% back on every Fold Card transaction. We also collaborated with PayPal to offer the PayPal bill pay feature, allowing Spin+ users to maximize their earnings by getting 1% back on their biggest expenses. Additionally, we revamped the structure of the rewards wheel, allowing users to earn 1 Spin for every $10 spent on the Fold Card, buying bitcoin, and purchasing gift cards. We appreciate your understanding as we work to improve our program. Your feedback is valuable to us, and we remain committed to offering a rewarding experience for all Fold users. We'd love to hear from you at Thanks again!

Don't Call it San Fran ,

Fold is a joke

After seeing a friend spin the wheel and “win” satoshis, I was excited enough to open and account and try it myself. The entire experience was a complete disappointment. I have to say that I’m not a Bitcoin millionaire and my usage is one that I’m comparing to experiences using credit and debit cards and earning rewards. First off, the reward rate never averaged above 1.5%, which didn’t compare with my other credit cards. Second, the card itself took 3+ weeks to arrive, and is about the quality you’d expect from a 1985 library card or Kroger rewards card. Basically the opposite you get from the Apple Card, etc. Third, it’s a pain to remember to come back to the app to spin the wheel, and those spins expire, so you’re constantly having to come back to the app after each purchase. I have better ways to spend my day. Lastly, when I tried to withdraw money from my account, there wasn’t a single ATM that would do so anywhere near me (I live in a metro with Costco, Target, Whole Foods, Nordstroms, but no fee free ATMs for Fold). So when I asked for a check to be sent to me, they charged me for that, and for “activating” my account. Fold is a bust. Just get an Apple Card and get 2% back.

Developer Response ,

Hello! Thank you for taking the time to leave a review and provide valuable feedback! With our variable rewards program, there is an element of randomness to the rewards.

The original cards were temporary cards to allow us to get cards to our members hands. Updated cards have been sent to everyone and anyone who signs up gets the new card.

A lot of exciting things have happened since you've left the review. If you aren't still using the app/card, I'd suggest taking another look into it!

If you like where we have gone, we'd love it if you reconsidered your review!

Thank you again for your feedback!

App Privacy

The developer, Fold, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

Data Linked to You

The following data may be collected and linked to your identity:

  • Financial Info
  • Contact Info

Data Not Linked to You

The following data may be collected but it is not linked to your identity:

  • Identifiers
  • Usage Data
  • Diagnostics

Privacy practices may vary, for example, based on the features you use or your age. Learn More

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