I also just really like that the Push-to-Card feature allows me to stay 100% in sats during periods of likely positive price appreciation and only convert for some dollars to pay my fiat bills.

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Ah yeah but looks like ACH rewards are only for Fold+ subscribers, that was the problem. I can’t see paying for Fold+ when it gets harder and harder to get any sats back at all– or at least enough to cover the subscription based on my avg monthly spending.

I get that. Personally I was able to rationalize the cost of the membership solely to allow me to keep all my value allocated to Bitcoin in a seamless way that allows me to easily pay fiat bills.

But your mileage may vary!