....unless you want a hot platter like an omelet or eggs/bacon etc.
For bagels......it is snack credit. We used for bagel/cream cheese - 1 credit and bowl of fresh fruit - 1 credit. Fruit was enough for two, should have just shared....then paid for the bagels. They are only about $2.29 each. High but not worth a snack credit. I was mostly using snack credits on $3-4 dollar items.