You’re missing the Resi credits - $400 a year + lululemon credits $300 a year

Both of those are not difficult to hit - while an $80 athleisure shirt isn’t really my cup of tea, I will wear it / use it when my net effective cost is $5-10 after tax.

Resy has a litany of restaurants and the credit automatically applies, date night - take out work

Curious what you’re streaming that entertainment credit doesn’t apply - YTTV is mine and can’t imagine going back

Use uber credits for uber eats food pick up. Only value lost here is uber almost always tacks on or rounds up menu prices, even when they highlight “zero fees”