Fold Spin

For most readers, this card is hard to recommend. A $150 annual fee is a meaningful cost, and based on the information provided, there are no bonus earning categories, no welcome bonus, and no listed benefits to help offset it. That means the case for the card rests almost entirely on wanting Bitcoin rewards specifically, not on strong overall value.

It may still fit a narrow audience: someone who already uses Fold's ecosystem, prefers earning Bitcoin over cash back, and is comfortable paying for that preference. If your main goal is simply getting more value from everyday spending, most cash-back cards and many no-annual-fee options will be easier to justify.