Fold Spin+
Sutton Bank and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of Sutton Bank. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
How we calculate effective rate →
The Fold Spin+ from Sutton Bank earns up to 0% effective value on dining in Madeen's catalog snapshot. Its annual fee is $150.
- Top category
- Dining
- Effective value
- 0%
- Annual fee
- $150
Best for dining-heavy spend when the $150 fee fits your usage; confirm issuer terms before applying. Best for spenders who put meaningful volume in dining and can earn 0% back.
What does the Fold Spin+ earn in each category?
Dining is the strongest category at 0% effective value (0% back). The five-category effective-rate table on this page shows how Fold Spin+ compares across dining, grocery, gas, travel, and other spend.
Dining is the strongest category at 0% effective value (0% back). The five-category effective-rate table on this page shows how Fold Spin+ compares across dining, grocery, gas, travel, and other spend.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 0% back | 0% Top category |
| Grocery Supermarkets and grocery stores | 0% back | 0% |
| Gas Gas stations and fuel | 0% back | 0% |
| Travel Flights, hotels, transit | 0% back | 0% |
| Other General everyday spend | 0% back | 0% |
Madeen values cash back at about 1 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
Who should get the Fold Spin+?
The Fold Spin+ fits spenders who put meaningful volume in dining and can earn 0% back. Best for spenders who put meaningful volume in dining and can earn 0% back.
Fold Spin+ fits spenders who put meaningful volume in dining and can earn 0% back. Compare it against cards you already carry with Madeen — no bank login required.
Best for spenders who put meaningful volume in dining and can earn 0% back.
Less compelling if the $150 annual fee is hard to offset. Mostly a flat base earn card without strong category bonuses.
Best for dining-heavy spend when the $150 fee fits your usage; confirm issuer terms before applying.
Pros
- Strongest Madeen category is dining at about 0% effective (0% back).
- No foreign transaction fee listed.
Cons
- $150 annual fee requires enough spend in bonus categories to offset.
Does the Fold Spin+ have an annual fee?
The Fold Spin+ has an annual fee of $150 and a foreign transaction fee of None. Confirm current fees on the issuer page before applying.
- Annual fee
- $150
- Foreign transaction fee
- None
What benefits come with the Fold Spin+?
The Fold Spin+ includes Booking.com, Dovly Uplift™, OpenTable in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them.
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Dovly Uplift™
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Related encyclopedia topics
Common questions about the Fold Spin+
Does the Fold Spin+ have an annual fee?
The Fold Spin+ carries an annual fee of $150 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification.
What category earns the most with the Fold Spin+?
Dining is the strongest Madeen category for the Fold Spin+ at about 0% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page.
Does the Fold Spin+ charge foreign transaction fees?
The Fold Spin+ does not charge a foreign transaction fee in Madeen's catalog snapshot, which can make it stronger for purchases outside the U.S. Issuer terms still control international acceptance and other fees.
Is the Fold Spin+ annual fee worth it?
Whether the $150 annual fee pays off depends on how much you spend in dining and whether you use the card's benefits. Compare effective rates across the cards you already carry in Madeen.
What credit score do you need for the Fold Spin+?
Madeen's catalog lists a typical credit range of Good for the Fold Spin+. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification.
How do you redeem rewards on the Fold Spin+?
Rewards on the Fold Spin+ post as cash back. Redemption value depends on how you use cash back (statement credit, travel, transfers, or issuer portals). Madeen shows effective cash-equivalent rates using standard valuations.
How does the Fold Spin+ compare to similar cards?
Compare the Fold Spin+ against Upgrade OneCard (2% on Dining, $0 fee); Ramp (1.5% on Dining, $0 fee); Upgrade Bitcoin Rewards (1.5% on Dining, $0 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
Fold Spin+ This card | Dining | 0% | $150 |
Sutton Bank | Dining | 2% | $0 |
Sutton Bank | Dining | 1.5% | $0 |
Sutton Bank | Dining | 1.5% | $0 |
Sutton Bank | Dining | 1.5% | $0 |
Store-specific guides
Madeen publishes merchant guides that rank cards for specific stores and services. Browse guides for dining spend to see which cards win at checkout.
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See how this card ranks in your wallet
Madeen compares the cards you already carry for dining, groceries, gas, travel, and everyday purchases — free, no bank login required.
Sutton Bank and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of Sutton Bank. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
Madeen compares cards you add to your wallet using published catalog rules — no bank login required. Issuer pages control current fees, caps, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice. Apply links are temporarily hidden on madeen.app. Affiliate disclosure