Not sure what your definition of "creative" is. Most of us use these for every day expenses- Water, electric, cell phone, insurance, etc.. basically anything you can use a debit card for. Perhaps my most "creative" is to purchase $250 Costco shop cards. I don't have a VISA card, so this allows me to purchase products at Costco with the shop cards, which I purchase with a CITI Mastercard. (you can also get the digital Shop Cards converted to physical plastic cards in the store, which can then be used at the Costco gas pumps).