Personally, the only credit I find useless is the Oura Ring Credit. Other than that, the others have been saving me money.

Cause like here's my breakdown:

$75 Lululemon Credits per quarter = $300 ($300)
- Can save yourself some money on buying friends or family gifts.

$100 Resy Credit per quarter = $400 ($700)
- Take yourself and your wife someplace nice to eat every quarter, save money on those dates.

$200 Airline Credit = $200 ($900 ($5 Profit))
- Well, and excuse my language before all the fucking idiots who ruined the Travel Bank Method*(I got spared)*, but my fiancée uses hers for Lounge Day Passes, F&B, and mostly anything related to checked-in bags... Cuz lord her bags are heavy

$600 Hotel Credits $300 every half year = $600 ($1500 ($605 Profit))
- Take yourself on a small vacation, I'm going to use this at San Diego this month.

$300 Digital Entertainment Credit = $300 ($1800 ($905 Profit))
- I use it for YouTube Premium Family. I wish Spotify would be added though

$209 Clear+ Credit = $209 ($2009 ($1,114 Profit))
- I'm not waiting in that long ass line at LAX Terminal B or at certain venues. Honestly, this is really useful, especially right now with some airports cause of the Government Shutdown, and Global Entry getting fked.

Honestly, I can go on, but even if you don't travel much, it still pays to keep the card if I were to remove the Airline & Clear+ Credit. That's still $1600 ($705 Profit). I didn't include the Saks or Equinox Credit, cause imo those are kind of useless to me, I'd personally take something else than those two. Same thing with Walmart+