Fold Spin+

Fold Spin+ is built for cardholders who specifically want their rewards tied to Bitcoin rather than cash back or travel points. It is a niche everyday card, and its value depends almost entirely on whether you care enough about Bitcoin rewards to justify paying a $150 annual fee for a card with no listed bonus categories or added perks.

Annual Fee

$150

Rec. Credit Score

Good

Good For

Bitcoin-focused spenders

How to Apply

All information about Fold Spin+ has been collected independently by MaxRewards. Fold Spin+ is no longer available through MaxRewards.

Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.

Overview

Is the Fold Spin+ worth it?

This card is great for...

Bitcoin-denominated rewards

Crypto-first everyday spending

For most readers, this card is hard to recommend. A $150 annual fee is a meaningful cost, and based on the information provided, there are no bonus earning categories, no welcome bonus, and no listed benefits to help offset it. That means the case for the card rests almost entirely on wanting Bitcoin rewards specifically, not on strong overall value.

It may still fit a narrow audience: someone who already uses Fold's ecosystem, prefers earning Bitcoin over cash back, and is comfortable paying for that preference. If your main goal is simply getting more value from everyday spending, most cash-back cards and many no-annual-fee options will be easier to justify.

MaxRewards Verdict

This card fits a very specific buyer who wants Bitcoin rewards badly enough to pay for them. For everyone else, the annual fee is difficult to defend given the lack of listed bonus rewards and benefits.

Eligibility

Recommended Minimum Credit

Min: Good

Poor

Fair

Good

Excellent

Good credit or higher is recommended for this card.

Credit approval is not guaranteed. Meeting the recommended credit range does not ensure approval, and applicants with lower scores may still be considered.

Pricing