Visa, Stripe, and Fold have announced a partnership to launch a new Bitcoin credit card, integrating Bitcoin-based rewards into mainstream credit infrastructure.
The Fold Bitcoin Rewards Credit Card, set for release in the second half of 2025, will be issued through the Visa network and powered by Stripe’s payments platform. This marks a notable collaboration across the digital currency and traditional payments sector.
Bitcoin Credit Card Structure and Platform Integration
Fold, a company specializing in cryptocurrency rewards, is introducing this credit card in response to demand from its user base. Previously operating a debit card with Bitcoin rewards, Fold now adds a credit solution designed for customers who prefer credit spending while earning cryptocurrency.
The card will enable users to earn Bitcoin with each purchase. This is similar in structure to conventional rewards programs, but with digital currency as the benefit. Visa’s global payment rails and Stripe’s issuing infrastructure form the backbone of the product, ensuring broad merchant acceptance and reliability.
Furthermore, the Fold Bitcoin Credit Card offers up to 2% back in Bitcoin rewards for high-tier account holders, with additional bonuses for specific activity milestones. Cardholders can accrue Bitcoin directly through purchases, managing their rewards within the Fold mobile app.
The platform also provides access to trading features, custodial options, and integration with existing Fold financial services. Membership levels determine the specific rewards structure. They also add a tier-based incentive for users who wish to maximize Bitcoin accumulation through everyday spending.
Stripe, traditionally known for its online payment processing technologies, expands its footprint in cryptocurrency through this partnership. By leveraging Stripe Issuing, the collaboration incorporates fraud controls, transaction management, and seamless digital onboarding for Fold users. Visa’s involvement ensures accepted usage globally, connecting the Bitcoin rewards card to millions of merchants through its extensive financial network.
Regulatory Compliance and Security Measures
The team maintained that Fold card accounts include pass-through FDIC insurance for fiat balances held at Sutton Bank. But they do not provide FDIC or SIPC insurance for Bitcoin holdings. This aligns with standard practice for cryptocurrency financial services.
The product’s insurance framework focuses on the security of digital assets. It covers copying, insider theft, and loss of custody keys, addressing core risks associated with holding cryptocurrency.
The collaboration among Visa, Stripe, and Fold signals an evolving landscape in digital finance where cryptocurrency is being directly integrated into mainstream credit systems. The launch of the Bitcoin rewards card presents a test case for integrating digital currency utility with established payment infrastructure and provides insights into adoption patterns for broader crypto-enabled consumer finance.
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