I gave Fold a chance. But everytime I want to use it, I notice new things that don’t make sense to me.

The debit transfer has 1.5% fee. So you have to do bank transfers.

Coupons do not activate instantly. They need 48 hours. So every time you need to buy something, you have to either plan, or wait.

Sats are taxed as profits when you withdraw. So even if you get 3% back, you will lose 1% for tax.

I seriously don’t understand the model 🤷‍♂️

But at this point I’ll continue to get 2%-3% from my credit cards, use those to buy bitcoin directly and send them to cold storage.