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)

Very Bad Customer Service Very Bad Customer Service - Don't Use. Needed (and still need as no follow up yet) a simple change on my account. Put in a ticket, sent my info and heard nothing. They eventually closed my ticket without addressing my concern. To make a long story short, I put in multiple tickets and have been waiting over 4 weeks. Worst customer service I'd ever experienced.

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