The financial landscape is undergoing a transformative shift as cryptocurrency continues to bridge the gap between digital assets and everyday spending. At the forefront of this movement is Fold, a leading Bitcoin rewards platform, which has announced a groundbreaking collaboration with Visa to launch the Fold Bitcoin Rewards Credit Card—a first-of-its-kind financial product that rewards users with Bitcoin (BTC) instead of traditional cashback or points.
This innovative credit card redefines how consumers interact with rewards programs, offering a compelling alternative to conventional models that collectively influence nearly 1% of U.S. GDP. With the new Fold card, users can now earn up to 2% unlimited Bitcoin rewards on every purchase, along with sign-up bonuses of up to $250 in cash value, marking a significant leap toward mainstream crypto adoption.
“The card redefines traditional points, miles, and cashback credit card rewards programs, some of which process ~1% of US GDP, by offering up to 2% unlimited BTC rewards and up to $250 in bonuses.”
How the Fold Bitcoin Rewards Credit Card Works
Unlike standard reward cards that lock users into fixed redemption options—such as gift cards, travel miles, or limited cashback—the Fold Bitcoin Rewards Credit Card empowers users to build long-term wealth by earning Bitcoin with every transaction. This approach aligns with Fold’s mission to position Bitcoin as a tool for financial security and generational savings.
All cardholders earn 1.5% in BTC rewards on all purchases, with no caps or category restrictions. For Fold+ premium members, the benefits increase to 2% unlimited Bitcoin rewards, plus the choice of either a $50 or $250 cash-value bonus upon meeting qualifying spending requirements.
👉 Discover how you can start earning Bitcoin just by spending smartly.
The card operates seamlessly through the Visa network, making it usable at over 1 million merchant locations worldwide—from grocery stores and gas stations to online retailers and travel platforms. Whether you're buying coffee or booking a flight, each purchase contributes directly to your Bitcoin holdings.
Fold’s success isn’t built on speculation. The company has already demonstrated strong traction with its debit card services, having processed over $2.5 billion in transactions** across more than **600,000 users**. To date, Fold has distributed approximately **$75 million worth of Bitcoin rewards, with around $20 million in redemptions, proving that real-world demand exists for crypto-native financial products.
Strategic Visa Partnership Accelerates Global Adoption
The integration with Visa, one of the world’s most trusted and widely accepted payment networks, marks a pivotal moment in Fold’s evolution. By leveraging Visa’s infrastructure, Fold ensures that its credit card is not only secure and reliable but also instantly accessible to millions of consumers globally.
This partnership positions Fold alongside other crypto-forward financial products like the Gemini Credit Card and BitPay Card—but with a key differentiator: unlimited Bitcoin rewards without rotating categories or caps.
Moreover, the Visa collaboration strengthens Fold’s broader vision of integrating cryptocurrency into everyday banking behavior. As more consumers seek alternatives to traditional reward systems—many of which are criticized for complex rules and devalued points—Fold offers a transparent, valuable, and future-proof option.
Fold Holdings Set to Go Public via Nasdaq Listing
In parallel with its product launch, Fold is advancing toward becoming a publicly traded company. The firm is finalizing a merger with FTAC Emerald Acquisition Corp, a special-purpose acquisition company (SPAC) backed by Cohen Circle, paving the way for Fold Holdings Inc. to debut on the Nasdaq stock exchange.
Stockholders are scheduled to vote on the business combination, bringing Fold one step closer to increased transparency, regulatory compliance, and institutional credibility. Once listed, Fold will begin trading under a new ticker symbol, offering investors direct exposure to a company at the intersection of fintech and digital assets.
As one of the top 25 publicly traded companies holding Bitcoin, Fold currently owns approximately 1,000 BTC, underscoring its long-term commitment to the asset it promotes.
👉 Learn how public listings are shaping the future of crypto finance.
Why Bitcoin Rewards Are the Future of Consumer Finance
Traditional rewards programs often trap consumers in ecosystems where points lose value or expire. In contrast, Bitcoin rewards offer tangible ownership, portability, and potential appreciation over time.
Consider this: while a $100 gift card loses utility once spent, **$100 worth of Bitcoin today could grow significantly in value tomorrow**—especially when compounded through consistent spending and earning.
Fold’s model taps into this paradigm shift, appealing to financially conscious users who view money not just as a medium of exchange but as a store of value. By turning routine purchases into opportunities for wealth accumulation, the Fold card transforms passive spending into active saving.
Furthermore, as economic uncertainty persists and inflation erodes purchasing power, more Americans are exploring Bitcoin as a hedge against currency devaluation. Fold’s product arrives at a critical moment when demand for alternative financial tools is rising.
Frequently Asked Questions (FAQs)
What is the Fold Bitcoin Rewards Credit Card?
The Fold Bitcoin Rewards Credit Card is a Visa-powered credit card that allows users to earn Bitcoin instead of traditional cashback or points on every purchase.
How much Bitcoin can I earn with the Fold card?
Standard members earn 1.5% in BTC rewards on all purchases. Fold+ premium members receive 2% unlimited BTC rewards, plus a choice of $50 or $250 cash-value bonus after meeting spending requirements.
Where can I use the Fold credit card?
You can use the Fold card anywhere Visa is accepted, including millions of physical and online retailers across more than 200 countries.
Is Fold going public?
Yes. Fold is merging with FTAC Emerald Acquisition Corp, a SPAC sponsored by Cohen Circle, with plans to list its common stock and warrants on the Nasdaq following shareholder approval.
Do I need to be a U.S. resident to apply?
Currently, the Fold Bitcoin Rewards Credit Card is available only to eligible residents of the United States who meet credit qualification criteria.
What are the core benefits of earning Bitcoin instead of cashback?
Earning Bitcoin offers potential for long-term value growth, full user ownership, and freedom from expiring points or restrictive redemption rules—making it a smarter, more flexible rewards option.
👉 See how easy it is to turn everyday spending into crypto gains.
Final Thoughts: Bridging Crypto and Mainstream Finance
Fold’s launch of the Bitcoin Rewards Credit Card—powered by Visa and backed by a path to public listing—represents a major milestone in the convergence of digital assets and traditional finance. It’s no longer just about buying or trading Bitcoin; it’s about using it as a practical, rewarding part of daily life.
With unlimited BTC earnings, global usability, and a clear roadmap toward public market legitimacy, Fold is setting a new standard for what financial products can—and should—offer in the digital age.
As adoption grows and consumer trust strengthens, expect more institutions to follow suit. But for now, Fold stands out as a pioneer proving that Bitcoin isn’t just an investment—it’s a better way to spend, save, and earn.
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