Key Points

• Fold's new affiliate program offers $9 commission per Bitcoin Gift Card sale through the Impact platform.
• The Bitcoin Gift Card is available at Kroger, Giftcards.com, and foldapp.com with no technical setup required.
• Affiliates will gain access to promote Fold's upcoming Bitcoin Credit Card and other products in 2026.

Introduction

Fold Holdings (NASDAQ: FLD), the first publicly traded bitcoin financial services company, just launched an affiliate program that creates earning opportunities for content creators and publishers. The timing is strategic: with Black Friday and Cyber Monday approaching, Fold is positioning its Bitcoin Gift Card as an alternative to traditional gift cards and physical presents. For those in the points and miles space familiar with credit card affiliate programs, this represents an interesting expansion of bitcoin into mainstream rewards and referral marketing. If you're new to how credit card rewards work, our complete introduction to credit and credit cards covers the fundamentals.

What Fold Is Offering Affiliates

The affiliate program focuses primarily on the Fold Bitcoin Gift Card, which lets recipients start saving in bitcoin without any technical knowledge or exchange accounts.

Affiliates who join can expect competitive commissions starting at $9 per sale, creative assets including banners and campaign copy, a dedicated account manager for support, and no promo codes or expirations to manage. The program runs through Impact, a well-known partnership marketing platform that many credit card and travel affiliates already use.

Fold has also partnered with Skimlinks and plans to expand into additional press and influencer networks within Impact's ecosystem. This multi-platform approach gives content creators flexibility in how they monetize their links.

The Bitcoin Gift Card Explained

The Fold Bitcoin Gift Card works differently than traditional gift cards. Instead of giving someone a fixed dollar amount to spend at a specific retailer, you're giving them actual bitcoin that they own and can hold indefinitely.

The gift card is available for purchase online at foldapp.com/bitcoin-gift-card and through select retailers including Kroger and Giftcards.com. Recipients don't need to create an exchange account or understand cryptocurrency wallets. They simply redeem the card and the bitcoin is added to their Fold account.

This simplicity is the key selling point. Many people are curious about bitcoin but intimidated by the process of buying it through exchanges. The gift card removes that friction entirely.

Why This Matters for the Rewards Space

Fold has been positioning itself as a direct competitor to traditional credit card rewards programs. CEO Will Reeves has stated the company aims to "dethrone miles as the go-to credit card reward."

This is a bold claim when you consider the value that established programs offer. For example, Chase Ultimate Rewards provides flexible transfer partners and solid redemption values, while Capital One miles offer simplicity with no blackout dates.

The company already offers several bitcoin-focused financial products. The Fold Debit Card rewards users with bitcoin on purchases. The upcoming Fold Bitcoin Credit Card, announced earlier this year in partnership with Visa and Stripe, will offer up to 2% back in bitcoin on all purchases, with the potential to earn up to 3.5% when combined with a Fold+ subscription and Fold Checking Account.

Unlike traditional rewards programs with category bonuses to track, the Fold approach is straightforward: earn bitcoin on every purchase with no categories to manage and no staking requirements.

If you prefer the flexibility and proven value of traditional rewards, cards like the Chase Sapphire Preferred or Capital One Venture X still offer compelling options with established transfer partner networks.

The affiliate program launch signals Fold's confidence in mainstream bitcoin adoption. By recruiting content creators and publishers to promote their products, they're expanding beyond the crypto-native audience into the broader personal finance and shopping deal space.

Expansion Plans for 2026

Fold isn't stopping at gift cards. The company announced that in 2026, the affiliate program will expand to include additional product lines such as the Fold Bitcoin Credit Card and app installs.

This is significant because credit card affiliate programs are among the most lucrative in the personal finance space. If Fold's bitcoin credit card gains traction, affiliates could have access to a competitive commission structure similar to what traditional card issuers offer.

The product suite affiliates will eventually be able to promote includes the Bitcoin Gift Card, gift cards from hundreds of brands like Amazon, Apple, Nike, DoorDash, Home Depot, and Uber, the Fold Debit Card, bitcoin custody and exchange services, and the upcoming Bitcoin Credit Card.

How the Fold Bitcoin Credit Card Compares

For context on what affiliates may eventually promote, the Fold Bitcoin Credit Card has some notable features.

The card offers up to 3.5% back on all purchases without requiring an annual fee or minimum balance requirements. That's competitive with cash back cards in the traditional credit card market. For comparison, our guide to the best cash back credit cards shows how this stacks up against established players like the Citi Double Cash (2% on everything) and category-specific options. Cardholders can also earn up to 10% back when shopping with brands in Fold's rewards network, including Amazon, Best Buy, DoorDash, Home Depot, Lowe's, Starbucks, Target, and Uber.

This compares favorably to competitors like the Coinbase One credit card, which requires a $49.99 annual subscription and an average balance of $200,000 to unlock the top 4% rewards rate.

Fold has already processed over $3.1 billion in transactions and distributed more than $83 million in bitcoin rewards to users through its existing products. That said, if you want proven value with no cryptocurrency volatility, the best no annual fee credit cards offer reliable returns you can count on.

How to Join the Affiliate Program

Content creators, bloggers, deal sites, and digital publishers interested in joining can sign up through Fold on Impact (Impact ID: 6656510) or by contacting affiliates@foldapp.com. The program is accepting applications now, timed for the holiday shopping season.

Fold emphasizes that the program requires no promo codes to manage and no expiration dates to track, which simplifies the promotional process compared to some affiliate programs that require constant updating of limited-time codes.

Should You Consider Bitcoin Gift Cards?

The appeal of giving bitcoin as a gift versus a traditional gift card comes down to potential growth. A $50 Amazon gift card will always be worth $50 at Amazon. A $50 bitcoin gift card could be worth more or less depending on market conditions.

For gift givers who want to introduce someone to bitcoin without the complexity of exchanges and wallets, the Fold Bitcoin Gift Card offers a low-friction entry point. For affiliates, the $9 per sale commission provides a straightforward earning opportunity, especially during the holiday shopping season when gift card purchases spike.

What This Means for You

If you're a content creator in the personal finance or rewards space, Fold's affiliate program represents an opportunity to diversify into the bitcoin category without needing deep cryptocurrency expertise. The products are designed for mainstream consumers, and the affiliate structure through Impact follows familiar patterns.

For consumers, the Bitcoin Gift Card offers a way to give bitcoin without technical complexity. Whether that makes sense depends on the recipient's interest in cryptocurrency and their comfort with an asset that can fluctuate in value. If you'd rather stick with rewards you can redeem for travel, check out the best travel credit cards for options with proven track records.

The bigger picture here is bitcoin's continued push into everyday financial products. Fold is betting that bitcoin rewards can compete with traditional points and miles, and they're building the affiliate infrastructure to support that growth.

For those who want the stability of traditional credit card rewards while still maximizing value, our guides to Chase points and Amex Membership Rewards show you how to get the most from established programs.

This article contains affiliate links. If you apply through our links, we may earn a commission at no cost to you, which helps us continue sharing points and miles strategies with the community.