Reward Rate
Up to 4% back on first $2,000 spent
- 1.5% flat unlimited on all purchases
- The more bitcoin you dollar cost average (DCA via autostack) or Direct-to-Bitcoin (DTB) with Fold, the higher your rewards rate
- Bonus rewards are paid out on the first $2,000 spent per month
- Additional 0.5% for paying statements in bitcoin
For example: If you DCA $6,000 per month, you boost your rewards to 2.5% back on the first $2,000 of spend (1.5% Base + 1.0% Tier Bonus). If you also pay your bill in Bitcoin (an additional 0.5%), your total effective reward rate becomes 3%.
Bonus Reward Tiers
| DCA/DTB Spend (1) | Eligible Bonus Cap (2) |
Base Reward % |
Bonus Reward % (2) |
Reward (w/o Payoff Bonus) |
Payoff Reward % (3) |
Total Potential Reward |
|---|---|---|---|---|---|---|
| $ - | $ - | 1.50% | 0.00% | 1.50% | 0.50% | 2.00% |
| $ 500 | $ 2,000 | 1.50% | 0.10% | 1.60% | 0.50% | 2.10% |
| $ 1,500 | $ 2,000 | 1.50% | 0.25% | 1.75% | 0.50% | 2.25% |
| $ 3,000 | $ 2,000 | 1.50% | 0.50% | 2.00% | 0.50% | 2.50% |
| $ 6,000 | $ 2,000 | 1.50% | 1.00% | 2.50% | 0.50% | 3.00% |
| $ 9,000 | $ 2,000 | 1.50% | 1.50% | 3.00% | 0.50% | 3.50% |
| $ 12,000 | $ 2,000 | 1.50% | 2.00% | 3.50% | 0.50% | 4.00% |
The Fold app dashboard will show your current projected tier based on your DCA to-date (e.g., "Current Tier: 1.6%"), and the bonus reward will be credited to your account at month close.
Please note: For Fold gift card purchases, rewards will not “double-dip.” Users will receive either the advertised merchant gift card reward (e.g., 8% back on REI), or their flat credit card reward rate (1.5% or 2%), whichever applies, but not both.
If you still have questions, or need further assistance, please email us at support@foldapp.com.
Updated