I would remain cautious with Fold. I had the annual plus membership plan. They oversold the pay your bills with the PayPal feature. They made statements that they worked with PayPal to get the feature back, but then PayPal pulled the feature for most companies. I had no other use for the Plus membership.

If you plan to use the feature, go with the monthly plan. You'll pay a little more than the annual plan, but you won't feel ripped off if they nerf this program.