The Fold card would be about 1000x more useful if it was as easy to transfer in and out as it is on the Cash App. They charge you 1.5% to use a debit card, which completely defeats the purpose. If you do it via bank transfer, it says 1-5 business days, but it always takes a lot more like 5 for me, and I am not cash rich, it sucks to have money tied up that long. I'd do direct deposit, but you can't get money out very easily. I would love to use it more because it feels like "free" money, but it's just not convenient.
Discussion
It usually takes me about 3 business days for bank transfers unless a holiday is approaching then it's usually shorter. It has taken me a while to get used to an effective system for it. My wife also uses it so we have staggered inflow and amounts. Not sure if that's something you can do. It also used to be worth it more when the rewards were higher. Now it seems like only using it for gift cards is the way to go, and there may be places with better rewards for that too.
Let me know if you have other recommendations. I use Lolli, and smileBTC as well if that helps