**Sneaky Marketing Notice**

TL;DR: Make sure you DYOR on services offering sats back on your everyday spending. It may not be worth it.

I recently heard the CEO of Fold ($FLD) on a podcast talking about how users can earn "1.5% back on mortgage, rent," etc.

Excited, I looked into this.

As with most exciting offers, it turns out to be too good to be true.

After reading that it's in fact "up to" 1.5% back on ACH bill pay, I look into the tiers for sats back. It's also only available to paying members, at a fee of $10/mo.

At my tier (up to $5k/mo in bill pay), I'd make 0.25% sats back, and those sats back would wind up being less than the $10 fee. So I'd be better off smash buying $10/mo extra...

It would be worth it if your expenses are pretty high, but for me the juice ain't worth the squeeze.

YMMV