Originally Posted by
Adelphos
For example, Walmart Plus appears to be a useful service, but I don't have a need for it, so I have not signed up for it since Amex introduced the benefit. I may get around to looking at it but it has no bearing on how I value the card.
And even then, if WM+ was something I'd use and pay for anyway, I'd consider its value to be $99, not $156, because I'd be paying $99 once a year rather than the $13 monthly this credit applies to.