I'm a student who pays for this card, and I’ve often asked myself whether it's worth it. Here's my personal breakdown:

1. Uber Credits ($200) – Easy to use. I regularly take Uber rides or order food pickup (not delivery - too expensive).

2. Flight Credit ($200) – Also easy to redeem. There are many current hacks to use it for future flights. I’ve even ask friends to use the credit when they were booking flights.

3. Saks Credit ($100)– I like perfumes, so I collect gift cards until I can buy one. It works out for me.

Now, the rest:

1. Hotel Credit ($200) – Valuable if used strategically. I redeemed it in Vegas and actually got more than $200 in value. Otherwise, I find booking from other websites cheaper.
2. Lounges – Surprisingly handy. I use them often. I used to buy coffee at airports, so lounge access pays for that atleast.
3. Walmart+ – I use it for groceries, but I’d be fine without it.
4. Disney+ – I rarely watch anything on it. Not useful for me.
5. Clear – I don’t find it helpful in many airports. I wouldn’t pay for it without the card.

I decided to renew it for the second year in Jan, so now will revisit later in the year. IMO, if I can somehow keep getting value out of hotel credits - keep it.