When I used it it was 100k sats minimum to withdraw on chain only. I would be surprised if they have not lowered that and added lighting support.

Forgot to add the gift card part that others have mentioned. That's a big perk if you have big reoccurring expenses on Amazon etc.

For normal monthly expenses (spending 1k-1.5k a month) it's probably better to just use normal cash back cc and buy sats with that.