I bought power passes this year and signed up for the no annual fee cc. On our trip I probably didn't get a discount the majority of the time. They just don't ask like Disney does, and then they force you to mobile order at food places. Ate at 3 broomsticks and Leaky Cauldron, $100+ orders & because I mobile ordered didn't get a discount when I think they both participate.
I bought the $300 merch only gift card to get a free wand (from the options of select wands, this really wasn't a perk but "free" is free). The employee did apply the CC discount for the purchase (3 wands) and let me pay with the just bought gift card. I guess they are not supposed to do that if you're not paying with the card, but he was kind of enough to do so. I had on and off again success with this on future transactions.
Outside of Wizarding World, UO merch doesn't appeal to me or the family. So big savings there! I think there's still a small balance on that merch gift card and I'm not even sure where I put it.
The whole discounting at UOR is just bad. Not a fan. I'm also more of a newbie when it comes to Universal, there are parts of Studios we didn't even see on our 3 park days

Good news is we should be back for at least one more trip to get use of the APs. Likely won't renew unless they add Epic and value is there.