Fold is horrible. An absolute shadow of it's once former self. That said, Fold is one of the best options you have for stacking on bills that need paid. I've been using fold for 2+ years and I love/hate them. But, I paid a bill a couple of days ago and got 115K sats back. So, I deal with their issues.
Discussion
Very much this answer ☝️
It sucks and it's a pain in the ass, but I have to pay bills, so i might as well just deal with it to stack a little more, right?
I do miss those 4% spins in the 16-19K range though. 😭😭😭
Damn dude I miss it too. But 100% stack where ya can.
Like taking 1% on everything (plus the occasional gift card boost) is still a nice bonus - but the recent changes were a big disappointment