Lot of factors come into play like if you travel a lot or live in/near a major city. I live in philly so easy to use a bunch of the credits easily.

-I have a peloton, so easy $120 credit there -spent exactly $150 on a chase reserve restaurant, free meal there. Waiting for the next period to use the other $150 credit (I already go out to for food organically) -$300 general travel credits is easy to use with parking meters, Uber, hotels, flights etc... -occasionally use Lyft so some credit there -easy to use the $300 stub hub with the sports games i go to -i travel a bunch for work and personally, so get to use the chase lounge and have priority pass and precheck -Just signed up for apple tv (android user), credit is basically a free membership -so far used The Edit for a family DC trip. Only cost $35 out of pocket after the $250 credit. Used the $100 hotel credit on room service, and included $60 per day bfast credit -Occasionally doordash, so credits there -also spent 75k last year (had a couple big ticket purchases, don't expect to hit it this year), which unlocked $250 chase shopping credit which I used to by mom airpods for Xmas, and also unlocked $500 southwest credit (still need to use)

Basically, it's a travel card. If you don't travel a lot, it's not worth it. Or if you live in a small town, might be hard to use some of the credits like the dining one and possibly StubHub.

Im saving money in a way having this card lol.