You have a method and it works.
I've never used or looked into Fold.
Discussion
I use it for daily purchases. 1% sats backs.
Kicker is the 1% on Mortgage Payment. Nice loop hole.
What! You get 1% back in sats when you pay your mortgage! That's rad, I'm jealous!
I think my bank charges like a 3% up-charge if I were to drop my mortgage on a credit card.
Their rewards have slipped massively but I see this as a long term passive plan 🤙🏻
Send all to cold storage.
This will be 1 year with FOLD this month. 
Damn! That is really freaking fantastic!
Nice hustle!
This is 15 months using my Gemini card. 
Fold is a debit card which has pros and cons
Also has in app gift cards.
The spin wheel used to be fun but now it’s crumbs. Also use to get 2-3% here and there on purchases.
Regardless I just keep using it figuring no matter what, Bitcoin will win and stacking anyway I can passively all adds up.