You can use both. Like rn Lolli has 10% back for Starbucks, so that’s going to be way better than whatever you get with fold.

Also, tbh, cash back on a lot of credit cards is better than the percentage you get towards sats, and there’s nothing stopping you from turning that into sats.

But you can pay bills with Fold.

Just look at the rewards for each and figure out which is best in each of your common scenarios.