Depending on how many credit cards you have, the list of benefits you should be using this month might feel overwhelming. Can you remember all of these perks without help? Maybe not.
Rather than trying to keep track of all of them on your own, we’ve compiled a monthly checklist of credit card perks and benefits you might be eligible for. This should take the guesswork out of your benefits, when they expire, and their value.
Here are some important reminders for the month of February.
American Express
There are numerous monthly credit card perks that you should be using since Amex offers many of its statement credits as monthly amounts — rather than a one-time annual benefit. It’s important to note that these values are “up to” amounts, meaning this is the maximum you will receive in statement credits. If you spend less than this amount, you will be reimbursed only for that lower amount.
Additionally, the Uber credits will disappear from your account if unused by the end of the month.
Overall, these are not benefits you can roll over for later. They are “use it or lose it” type credits.
The Platinum Card® from American Express
– Up to $12.95 Walmart+ monthly membership: Pay with your card, then receive reimbursement in statement credits. Here’s how to enroll (subject to auto-renewal). Plus Up Benefits are not eligible. If you don’t receive the credit automatically, it’s worth requesting any missing credits be applied. The easiest way is via chat (online or through the Amex app; enrollment is required).
– Up to $15 in Uber credits: This can be used for Uber rides or on Uber Eats orders in the U.S. Add your card to your Uber account as a payment method to receive this benefit. Here’s how to use this benefit. (enrollment is required)
– Up to $20 digital entertainment credit: This can be used for the Disney Bundle, Disney+, ESPN+, Hulu, Peacock, SiriusXM, The New York Times and The Wall Street Journal. Enrollment is required in advance. Here’s how to use this benefit.
While not a monthly benefit, cardholders also receive two spending credits with Saks Fifth Avenue on the Amex Platinum each year. From Jan. 1 through June 31 each year, you’ll receive up to $50 in statement credits, and you’ll also have a separate up to $50 credit from July 1 to Dec. 31 in the second half of the year. Enrollment is required in advance.
Also, remember that your Equinox benefits are no longer offered as just monthly amounts. You can now use up to $300 in Equinox statement credits annually. These credits apply to paying for Equinox+ or any Equinox club membership (subject to auto-renewal). Here’s how to use this benefit. Enrollment is required.
The Business Platinum Card® from American Express
– Up to $10 wireless credits: Pay for an eligible mobile service and receive a statement credit of up to $10. Enrollment is required in advance.
The Business Platinum Card doesn’t award credits at Saks or with Uber, but cardholders do receive up to $400 in statement credits every year for Dell purchases (the tentative end date of benefit is Dec. 31, 2024). This is split into up to $200 in credits from January-June and another up to $200 from July-December. You can use your credits for the first half of the year now. Enrollment is required in advance.
American Express® Gold Card
– Up to $10 Uber credits: Like the perk on the Platinum Card, this applies to Uber rides and Uber Eats orders in the U.S. Add your card to your Uber account as a payment method to receive this benefit — and note that it can stack with the monthly credit on the Amex Platinum if you have both cards. Here’s how to use this benefit. Enrollment is required.
– Up to $10 dining credits: Use your card to pay at Grubhub, The Cheesecake Factory, participating Shake Shack locations, Wine.com, Goldbelly and Milk Bar to receive up to $10 monthly statement credits. Enrollment is required in advance. Here’s how to use this benefit.
Marriott Bonvoy Brilliant® American Express® Card
– Up to $25 in monthly dining credits: This card offers monthly dining credits at restaurants worldwide. You don’t need to enroll for this benefit in advance — swipe your card at an eligible restaurant, and you should receive the statement credit within a few days.
Hilton Honors American Express Aspire Card
– Up to $200 Hilton Resorts credit per six months: Pay for eligible purchases, such as room charges and incidentals, using your Amex Aspire at participating Hilton Resorts. This benefit is separated into semi-annually statement credits up to $200 between January-June and July-December.
– Up to $50 in flight credits per quarter: Pay for a flight directly with an airline or through AmexTravel.com and receive up to $50 in statement credits each quarter.
Hilton Honors American Express Surpass® Card
– Up to $50 Hilton credit per quarter: Receive up to $50 in statement credits each quarter on purchases charged directly with a property within the Hilton portfolio, including bookings and incidental charges.
Delta cobranded cards
Select Chase credit cards offer perks on a monthly basis, so a new month means you have a fresh batch of credits to use.
Chase Sapphire Reserve
– $5 DoorDash credits: When you add your Sapphire Reserve card as a payment method to your DoorDash account, Chase will add $5 in credits at the beginning of each month (this runs through December 2024). You can roll over a maximum of three months of credits, so you could now have up to $15 to use if you didn’t use any credits over the past two months. Note that these credits are in addition to the card’s free DashPass membership.
Chase Sapphire Preferred Card
– The Sapphire Preferred doesn’t offer any monthly credits, but cardholders can use a $50 hotel credit each year when booking through the Chase travel portal. If you haven’t used yours yet this year, here’s how to use this benefit.
Chase Freedom (not open to new applicants) and Chase Freedom Flex
– 5% cash back: Each quarter, you can earn 5% cash back on up to $1,500 in combined spending on rotating categories. Current categories include select grocery stores (including Instacart), fitness club and gym memberships, and self-care and spa services. You must activate your categories to enjoy higher earning rates. The current quarter ends on March 31 (and you must activate by March 14), so you have until then to register and maximize these earnings.
Remember: Even though the Freedom cards are technically cash-back products, you can turn these earnings into fully transferable Ultimate Rewards points if you also have a premium Chase card like the Sapphire Preferred or Sapphire Reserve.
Citi
The Citi AAdvantage Executive card has a number of benefits, including the following monthly credits:
– $10 in monthly Lyft credit after three rides: Use your card as the payment method in your account and get a $10 Lyft credit after taking three rides in a month.
– Up to $10 back with Grubhub: When you use your card for Grubhub purchases, you’ll receive up to $10 in statement credits each month.
With so many credit card perks and benefits available, it’s important to stay organized and take advantage of them. By using this monthly checklist, you can ensure that you maximize the value of your credit cards and make the most of the benefits they offer.