The average American is struggling to save.

Wages haven’t kept up with inflation, and the traditional tools for building financial security aren’t working like they used to.

In the heart of America, a tale unfolds of an average citizen struggling to save amidst a time of economic hardship. Wages haven't kept pace with inflation, leaving many feeling like they're treading water financially. The traditional tools for building financial security—credit cards and savings accounts—aren’t working like they used to.

Enter Bitcoin, the revolutionary cryptocurrency that has captured the attention of many seeking an alternative. However, for most Americans, Bitcoin still feels too volatile, too complex, or simply too far out of reach to pay attention to. And when saving itself seems impossible, buying Bitcoin directly isn’t even on the radar.

But what if there was a way to effortlessly include Bitcoin in your daily life without altering your spending habits? A small change that could make a big difference in the average American’s ability to save.

A bitcoin rewards credit card is the ultimate budget-neutral strategy for bitcoin accumulation. It allows you to stack sats without changing your habits; just choose a different daily driver credit card.

This is a solution for the bitcoin-curious who aren’t yet ready to buy and for those focused on keeping their head above water—struggling to budget for any meaningful savings. It’s a way to accumulate bitcoin without running faster on the hamster wheel.

Like bitcoin itself, once you see the benefits of a bitcoin rewards credit card, you can’t unsee it. For individuals, it may not seem obvious at first glance, but when you zoom out to the extreme ends of the spending spectrum, the potential becomes impossible to ignore.

In 2024, the U.S. government spent $39.7 billion on credit cards—averaging over $108 million in daily spend. At a 2% bitcoin rewards rate and an average bitcoin price of $66K, that would have equaled to roughly 33 BTC earned per day and over 12,000 BTC across the year—all without increasing the budget by a single dollar.

At today’s bitcoin prices, that reward stack would have grown by roughly $400 million in additional purchasing power—an increase that nearly matches the $506 million in total refunds earned through the existing GSA SmartPay program.

It’s a stretch to imagine the U.S. government adopting the Fold Standard. But the hypothetical large-scale example shows just how quickly bitcoin rewards can stack up. And this strategy works whether you’re a government agency, a corporation, a small business, an individual, or a family trying to build long-term wealth.

A bitcoin rewards credit card simply makes sense.

The payment bridge bitcoiners need

Credit cards aren’t going anywhere. The network effects of infrastructure and cultural acceptance are massive. They’re the preferred payment method for a reason.

What both current and future bitcoiners need is an optimal way to straddle bitcoin and dollars as money—and a bitcoin rewards credit card is that solution.

Leveraging the existing financial system to make living on bitcoin easier isn’t a fiat compromise. It’s progress. And meeting pre-coiners where they are, with a seamless on-ramp to bitcoin, is a good thing.

As Americans look for ways to defend their savings against inflation, wage stagnation, and the quiet erosion of purchasing power, a bitcoin rewards credit card offers a simple solution: upgrade a familiar tool and accumulate bitcoin without disrupting day-to-day life.

Even if bitcoin merchant adoption became widespread in America, many would still choose to spend debased dollars and save in hard money. That preference only grows stronger as more people internalize bitcoin as their personal hurdle rate.

So despite not being a bitcoin-native innovation, the upcoming Fold Credit Card is worth celebrating as if it were. Once launched, the first public bitcoin financial services company will have infiltrated the apex predator of payment methods—routing broken incentives toward bitcoin adoption.

And as bitcoin becomes normalized as pristine capital, it can continue to upgrade the system from the inside.

“Today, the best credit cards are only available to a limited set of consumers with high FICO scores, a system that reflects debt management. What happens when bitcoin ownership and activity can signal financial responsibility? Suddenly, a card that previously served 20% of the population could serve 50%.” —Will Reeves

Beyond rewards

The Fold Credit Card won’t be the only credit card that earns bitcoin—but it will be the first one built into a comprehensive toolkit for personal finances powered by bitcoin. And that’s something special.

If you’re already saving in bitcoin, you’ve experienced the relief of not having to be an amateur investor to keep up with dollar debasement. You’ve eliminated the need to play those fiat games.

This relief is overlooked when comparing the upcoming Fold Credit Card with other options.

Yes—you could juggle legacy cards to maximize cash back dollars and manually buy bitcoin at the end of the month.