Annual fee for my Club card is posting next month. Debating if it's worth keeping for another year, originally signed up last year for 4k PQP SUB offer. Really bummed that the club membership is nerfed now and annual fee increases.

Wondering if the monthly rideshare credit can be used literally by reloading Uber or Lyft's gift balance. I use Uber/Lyft maybe at most 2 months a year. So if I can convert to Uber e-credits per month, I can use them all at once later instead.

The Instacart monthly credits are 2 x $10, not even a single $20 credit which is terrible. All other benefits are unusable for me.

Overall, Chase United cards became literally another AMEX coupon book and this Infinite card is the worst coupon book of all with most of the benefits being hard to use for me.