Swiping a credit card that gives 1.5% and paying it every month with bitcoin from Strike is easy.

At the end of the month, I convert my "cash back" to sats.

Fold has more friction. I need to deposit on chain. I can't spend from my bitcoin balance. I need to buy dollars first.

I suspect their market is not hard core get on zero people, but the average American consumer who heard about bitcoin on CNBC. I think a sats back credit card will capture 90% of that market.