IMPORTANT DISCLOSURES ABOUT YOUR FOLD BITCOIN CREDIT CARDTM

The Fold Bitcoin Credit CardTM is issued by Celtic Bank, powered by Stripe®, and operates on the Visa® network.

Interest Rates and Interest Charges
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.
Penalty APR and When it Applies
None.

How Long Will the Penalty APR Apply?: N/a. 
How to Avoid Paying Interest 
Your payment is due at least 25 days after the close of each monthly billing cycle (“Payment Due Date”). We will not charge you any interest on purchases if you pay your entire balance by the Payment Due Date each month.
Minimum Interest Charge
If you are charged interest, the charge will be no less than $1.00.
For Credit Card Tips from the Consumer Financial Protection Bureau. 
To learn more about factors to consider when applying for or using a credit card, please visit the website of the Consumer Financial Protection Bureau at https://www.consumerfinance.gov/learnmore.
Fees
FeesTransaction Fees

Foreign Transaction 
None.
Penalty Fees

Late Payment 

Returned Payment/Check 
Up to $30.

Up to $30.

Note: This account may not be eligible for balance transfers or cash advances.

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How We Will Calculate Your Balance: We use a method called “average daily balance (including new transactions).” See the Interest section of the Agreement for more details. 

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Billing Rights: Information on your rights to dispute transactions and how to exercise those is outlined in Schedule B to the Cardholder Agreement. 

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Penalty Fees:  The following penalty fees may apply to your Account. The application and payment of a penalty fee will not correct the situation which caused the fee to be charged.

  • Late Payment: We will charge you a late fee of up to $30 if you don’t pay at least the Minimum Payment by the Payment Due Date.
  • Returned Payment/Check: We will charge you a returned payment fee of $30 if your bank doesn’t honor your payment to us.

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Minimum Payment: The greater of (a) $25 (or the total amount you owe if less than $25); or (b) the sum of (1) 3% of the New Balance on your Statement the periodic interest charges, and fees we have billed you on the Statement for which your Minimum Payment is calculated, and (2) any amounts that are past due. Notwithstanding the previous sentence, if your New Balance is less than $25, you must pay us the total New Balance.

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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%.

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Military Lending Act Disclosure: The following disclosure applies to persons covered by the Military Lending Act. Other governmental programs and laws may also govern or apply to this transaction but are not described in the following disclosure. Federal law affords special protections to active-duty members of the Armed Forces (including those on active Guard or Reserve duty) and their dependents (“Covered Borrowers”) when they obtain consumer credit. For Covered Borrowers, the Military Annual Percentage Rate (“MAPR”) for this Account may not exceed 36%. The MAPR includes applicable interest, most fees, credit-insurance premiums, and charges for ancillary products. Covered Borrowers can obtain a verbal disclosure of the MAPR and other important payment information, and determine whether these protections apply to them, by calling 1-855-425-4618.