| Features |
Basic (Included) |
Fold (Free) |
Fold+ ($100/yr or $10/month) |
| Earn bitcoin back on gift cards | Lowest | Medium | Highest |
| Free reward withdrawals | Yes | Yes | Yes |
| Free debit card | Yes | Yes | |
| ACH Bill Pay Rewards | Yes | ||
| Buy bitcoin instantly | 1.5% Fee | No Fees | |
| Sell bitcoin instantly | 1.0% Fee | No Fees | |
| Auto-Stack bitcoin with recurring purchases | 1.0% Fee | No Fees | |
| Direct-to-Bitcoin auto convert deposits | 1.0% Fee | No Fees | |
| Round up spare change into bitcoin | No Fees | No Fees | |
| Spin Squad (referral program) | X | X | |
| Instant Funding (1.5% fee) | X | X | |
| Unlimited 1.5% back on top categories | X | ||
| Guaranteed 0.5% back on all other eligible purchases | X | ||
| 2.25% back on Amazon gift cards | X | ||
| Up to 20% back on exclusive gift card brands | X | ||
| Up to 10% back at exclusive merchant partners with Card Boosts | X | ||
| Win up to a full bitcoin | X | ||
| No international fees | X | ||
| No ATM fees | X | ||
| Early access to new products | X |
Updated