I use PayPal's bill pay feature. I have my [Fold debit card](https://use.foldapp.com/r/DEREKROSS) setup in PayPal. I use PayPal to find and add my bills. I pay the bill with PayPal and set PayPal to use my Fold debit card for that transaction. PayPal then debits my Fold card and I get bitcoin back!

**How much do you get back?*

Well, that depends. You can get a flat 1% back or you can gamble a bit and spin a wheel of random opportunities. Generally speaking, if you have enough spins available, you can get 2% back or sometimes more if you're really lucky. I generally try to have ~10 spins available for paying large bills. That *almost* guarantees 2%. (I was able to get 3% back on my mortgage last week.)

**Fold sucks!**

Yes. Fold's rewards and gamification efforts have declined. They keep changing their rules and modifying how *the game* works. I fully agree, I hate it, and it's annoying. That said, until something better comes along that is going to give me ~500K sats back every month for things I have to do anyways, then I'm going to continue to use this.

I am excited to see what Strike offer's when they launch their [debit card](https://invite.strike.me/OL0N3F). Maybe they'll give a more flat rate in rewards and you won't have to play these games? Who knows?