You’re not wrong - talk to a tax lawyer and accountant. This is the best discussion I’ve heard so far about reward Bitcoin and Fold. Jack talks about at the start and in more detail at the 26:29 of the podcast. That said the podcast is older and some of the tips to min/max rewards have changed on the Fold card. https://fountain.fm/episode/h1l6jDMclz535dHk1W2W