Annual Percentage Rate (“APR”) for Purchases
20.49% to 29.49% variable APR, based on your creditworthiness.
This APR will vary with the market based on the Prime Rate.
Rates are accurate as of October 30, 2025.
How to view your current Annual Percentage Rate (APR)
To view your current APR, please follow these steps:
- Open the Fold app
- Tap Credit
- Under your current balance, next to the remaining credit available, tap the "i" in the circle. The purchase APR will be visible at the bottom of the list of information on the pop-up screen.
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Please note that you APR is also listed on your monthly statements for your convenience.
Your APR may vary based on the type of transaction - purchases, cash advances, and balance transfers may have different rates.
Penalty APR and When it Applies
None.
Prime Rate
The APR on your Account will be variable and determined each billing cycle by adding a margin to the most recent Prime Rate (U.S.) as published in the rates section of The Wall Street Journal (the "WSJ") prior to your billing cycle closing date.
We add a margin between 13.49% and 22.49% to the Prime Rate to determine the APR, depending on your creditworthiness.
As of October 30, 2025, the Prime Rate was 7.00%.
Your APR will not exceed 36%.
To review your Fold Bitcoin Credit Card Cardholder Agreement in full, please see here.
If you still have questions, or need further assistance, please call 1-866-FOLDAPP
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