I have the same feeling on Fold. I hit it hard right off the bat and have definitely made it worth it already. I am trying to be more intentional about using it now to get back in the routine.

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Now it mostly makes sense if you buy a lot of gift cards where you get a significantly higher percent. The spins don't give much (better than nothing and may become a significant amount of value in a decade or more). Since Fold is a debit card, many places make you do a debit charge which pays you only 0.5% on Fold. There are still some good percentages on gift cards though.