I tried Fold for about a year and was always unimpressed. The PayPal bill pay thing wasn’t something I could use. From the long-promised instant funding that was lackluster and slow when finally launched, to the constant struggle to try and outpace the yearly fee with my rewards/spins on purchases, I found my experience with them to be a big hassle and not worth the time or money spent using their service. I canceled when the changed their Spin+ fees a few months ago and I haven’t looked back.