Worth it if you will spend $1K per month. $9.99/mo fee, with 1% back in Bitcoin. So $1K (or less if you buy gift cards) will have you at break even
(Lol, if you buy $150/mo of DoorDash gift card you’ve broken even as well).
You can also use it to pay a credit card bill and “double dip” (points on the cc, Bitcoin on fold).
I’ve stacked many extra sats using fold. Their rewards aren’t as good as they used to be - but still worth it IMO