Not sure if this has been discussed in this thread, but the way I maximize my credits is to place a restaurant order to utilize the $5 credit. I think do a double dash after check out and add items worth $10 from whatever store (dashmart or 7/11) and add them to the cart. This uses the $5 credit for the restaurant + a $10 credit for the restaurant double dash at a grocery store category. So I view the value of this as $15, which can help drive down the cost of food delivery/ordering.

Note: You have to do the dash after placing the restaurant order, since the credit will only show the $5 one if you have it queued up as an order alongside your cart. Once the $5 is used up, then you can apply the $10 credit. (If you already used the $5 monthly credit, then you should be able to do it as one order since you would only have the $10 chase credit)