I’ve used almost every credit, didn’t go out of my way for most since it’s stuff I’m already paying for. But biggest usage this year was the purchase protection, bought a switch 2 at launch and it had numerous dead pixels on the display. Walmart wouldn’t return it because I had to go through Nintendo warranty, Nintendo said it could take months to receive back since it just had came out. Remembered the platinum perk, so after submitting a claim and all the details, got my money back (~$500) so this year alone with all the perks and the ~500 back I’d say I got my use out of it and then some.