Too many fees. Do not use. There are better alternatives. If I get a debit card I don't want to be penalized for not using it or have to pay for an activation. I'll just stick to my free Coinbase, Nexo, or crypto.com card (also higher rewards than Fold just Fyi)

Banned forever and Fold refuse to… Banned forever and Fold refuse to explain why for security reasons. What a joke? I didnt do anything wrong

Rewards cut in half They cut rewards in half. Not worth the effort. They refused to refund my spin plus annual fee of $100 after using it only 3 months.

Scary bad Cybersecurity Looked through their code base. Their security protocols are terrible. Don't know if I could come up with a worse architecture design to buy/store/trust as my bitcoin holders