If you own multiple credit cards, keeping track of this month’s benefits can seem daunting. Do you think you can recall all these perks on your own? Probably not.
Instead of managing everything by yourself, we’ve put together a simple monthly checklist of credit card perks and benefits you may qualify for. This will eliminate the confusion about when your benefits expire and their worth.
Here are some key reminders for February.
American Express
American Express provides a variety of monthly card perks worth utilizing since many of their statement credits are issued as monthly amounts instead of just annual benefits.
Keep in mind that these values are “up to” amounts, indicating the maximum credit you can claim. If your expenditures are lower than the stated amount, only the actual amount spent will be reimbursed.
It’s worth noting that your Uber Cash will expire at the end of the month if it goes unused. In summary, these credits must be utilized within the month or you’ll lose them.
The Platinum Card from American Express
- Up to $12.95 statement credit for a Walmart+ monthly membership (up to $155 each year): Pay with The Platinum Card® from American Express, and receive a statement credit for one membership fee each month. Enrollment is needed; terms apply.
- Up to $20 in Uber Cash (up to $200 yearly): This is available for use on Uber rides or Uber Eats within the U.S. Simply link your card to your Uber account. Enrollment is necessary; terms apply.
- Up to $20 digital entertainment statement credit (up to $240 each year): Applicable to subscriptions like Disney Bundle, Disney+, ESPN+, Hulu, and more. Pre-enrollment is necessary; terms apply.
Additionally, card members benefit from Saks Fifth Avenue statement credits. Over two periods in the year, you can earn up to $100 in statement credits ($50 from January to June and $50 from July to December). Enrollment is required; terms apply.
Annual credits, such as up to $300 for Equinox memberships, also help offset the card’s $695 annual fee (check rates and fees).
To dive deeper, explore our comprehensive review of the Amex Platinum.
Related: 10 things to do when you get the Amex Platinum
Apply here: The Platinum Card from American Express
The Business Platinum Card from American Express
- Up to $10 wireless credits (up to $120 per year): Get a $10 statement credit each month after paying an eligible U.S. mobile provider. Enrollment is required; terms apply.
The Business Platinum Card® from American Express does not provide credits for Saks or Uber, but members can take advantage of up to $400 in Dell purchases annually ($200 available from January to June and another $200 from July to December). Enrollment is required; terms apply.
To discover more, check out our full review of the Amex Business Platinum.
Related: 9 things to do when you get the Amex Business Platinum Card
Apply here: The Business Platinum Card from American Express
American Express Gold Card
Utilize these benefits to help mitigate the card’s $325 annual fee (see rates and fees):
- Up to $10 Uber Cash each month (up to $120 yearly): Like the Amex Platinum, this can be used for Uber rides and Uber Eats. Link your American Express® Gold Card to your Uber account. This can be stacked with the credit on the Platinum if you have both cards. Enrollment is required; terms apply.
- Up to $10 dining credit (up to $120 per year): Eligible purchases at select restaurants can earn you a monthly $10 statement credit. Enrollment is required; terms apply.
- Up to $7 Dunkin’ credit (up to $84 per year): Cardholders get $7 in monthly statement credits at U.S. Dunkin’ locations. Enrollment is necessary.
- Up to $100 annual Resy credits: Two $50 credits for dining at eligible Resy restaurants per year. Enrollment is needed; terms apply.
For further insights, explore our full review of the Amex Gold.
Related: American Express Gold checklist: 5 things to do when you get the card
Apply here: American Express Gold Card
Delta cobranded cards
Related: How to maximize the new statement credits on the Delta Amex cards
Hilton Honors American Express Aspire Card
- Up to $200 Hilton Resorts credit every six months (up to $400 total each year): Use your Hilton Amex Aspire at eligible Hilton Resorts for room charges and incidentals to claim this benefit.
- Up to $50 flight credits per quarter (up to $200 each year): Get up to $50 in statement credits per quarter on flights booked directly with airlines or through AmexTravel.com. This can also apply to upgrades and other associated fees.
Enrollment is required; terms apply.
The information for the Hilton Amex Aspire card has been independently collected by The Points Guy. Card details on this page have not been reviewed or provided by the card issuer.
Learn more: Hilton Honors American Express Aspire Card
Hilton Honors American Express Surpass Card
- Up to $50 Hilton credit per quarter (up to $200 yearly): This applies to eligible purchases at Hilton properties. You may also use it for dining and gift shop purchases even if you aren’t staying at a hotel. Terms apply.
Read our full review of the Hilton Amex Surpass for more information.
Apply here: Hilton Honors American Express Surpass® Card
The Hilton Honors American Express Business Card
- Up to $60 Hilton credit per quarter (up to $240 yearly): Similar benefits apply here for purchases made directly with Hilton properties. Terms apply.
Learn more in our review of the Hilton Honors Amex Business.
Apply here: Hilton Honors American Express Business Card
Marriott Bonvoy Brilliant American Express Card
- Up to $25 in monthly dining credits (up to $300 per year): This offers statement credits for dining at eligible restaurants worldwide, without the need for prior enrollment.
Explore our full review of the Marriott Bonvoy Brilliant® American Express® Card for more.
Apply here: Marriott Bonvoy Brilliant American Express Card
Chase
Many Chase credit cards provide monthly benefits, so with a new month comes fresh credits for you to use.
Chase Sapphire Reserve
- $5 DoorDash credits: By linking your Chase Sapphire Reserve® card to DoorDash, you’ll receive a monthly $5 credit, which can be rolled over for up to three months.
- $20 DoorDash non-restaurant credits: With an activated DashPass, this provides two promos of $10 off monthly on non-restaurant DoorDash orders.
To learn more, check out our complete review of the Sapphire Reserve.
Apply here: Chase Sapphire Reserve
Chase Sapphire Preferred Card
- $10 DoorDash non-restaurant credits: An activated DashPass membership grants you a $10 discount monthly on one non-restaurant order.
Cardholders also earn a $50 hotel credit each year through Chase Travel℠. If you haven’t redeemed yours yet, here’s how to do so.
To learn more, go through our full review of the Sapphire Preferred.
Apply here: Chase Sapphire Preferred Card
Chase Freedom (not open to new applicants) and Chase Freedom Flex
- Up to 5% cash back: This quarter includes select grocery stores, gym memberships, and certain services. Activate your categories to earn 5% cash back on your spending up to $1,500 (then 1%).
- $10 DoorDash non-restaurant credits: Receive a one-time $10 discount each quarter on non-restaurant orders through a DashPass membership.
Note: The Chase Freedom and Chase Freedom Flex cards are cash-back products, but you can convert earnings into fully transferable Ultimate Rewards points if you hold a premium Chase card like the Sapphire Preferred or Sapphire Reserve.
The information regarding the Chase Freedom card has been independently collected by The Points Guy and hasn’t been reviewed by the card issuer.
Apply here: Chase Freedom Flex
Citi
Be sure to utilize these valuable benefits available with certain Citi cards.
Citi / AAdvantage Executive World Elite Mastercard
The Citi® / AAdvantage® Executive World Elite Mastercard® (see rates and fees) provides various benefits, including:
- $10 in monthly Lyft credits after three rides: After taking three rides in a month, use your card for a $10 Lyft credit.
- Up to $10 back with Grubhub: Use your card to earn up to $10 in monthly statement credits for Grubhub purchases.
Please note that Citi updated the annual Avis-Budget car rental credit policy in 2024. To use your credit, book a prepaid rental through either Avis or Budget.
For more information, explore our complete review of the AAdvantage Executive World Elite Mastercard.
Apply here: Citi / AAdvantage Executive World Elite Mastercard
Citi Dividend Card (not open to new applicants)
- 5% cash back: Earn 5% cash back each quarter on rotating categories. Citi Dividend cardholders can maximize their bonuses on up to $6,000 throughout the year, unlike other cards that limit bonuses to a single quarter. Activate your categories, currently including Amazon and select streaming services, by March 31.
The information for the Citi Dividend card has been gathered independently by The Points Guy and has not been reviewed by the card issuer.
Discover
Discover it Cash Back
- 5% cash back: Every quarter, earn 5% cash back on rotating categories for up to $1,500 in combined spending, followed by unlimited 1%. Remember to activate your categories, including restaurants and home improvement stores, valid through March 31.
The information for the Discover it® Cash Back has been collected independently by The Points Guy. Card details on this page have not been reviewed by the card issuer.
Learn more: Discover it Cash Back
U.S. Bank
If you have a U.S. Bank credit card, pay attention to this section to avoid missing out on critical benefits.
U.S. Bank Cash+ Visa Signature Card
- 5% cash back: Each quarter, earn 5% cash back on up to $2,000 in combined spending on rotating categories (then 1%). Choose and activate your categories each quarter, with the current quarter running through March 31.
The information for the U.S. Bank Cash+ has been independently collected by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
Learn more: U.S. Bank Cash+ Visa Signature Card
World Elite Mastercards
World Elite Mastercards carry benefits that may differ from those your card issuer offers.
World Elite Mastercards
Various banks issue World Elite Mastercards, including the Citi Strata Premier℠ Card (see rates and fees), IHG One Rewards Premier Credit Card, and Chase Freedom Flex. Here’s what cardholders can access each month with these cards:
- $5 in monthly Lyft credit after three rides: Get a $5 Lyft credit after taking three rides in a month with your card linked in your account. This benefit runs until September 30.
- Up to $5 off monthly Peacock subscriptions: Enjoy statement credits for Peacock subscriptions paid with an eligible card: $3 for Peacock Premium or $5 for Peacock Premium Plus (without ads). This benefit runs through March 31.
- $10 off your second Instacart order: Sign up with your eligible card to receive two free months of Instacart+ membership, plus $10 off your second order placed each month. This benefit runs through March 31.
Related: The 9 most valuable World Elite Mastercard benefits
Bottom line
Tapping into the perks and benefits associated with your credit cards is vital for maximizing value and justifying the cards’ annual fees. While some cards offer simple annual perks, others provide monthly benefits that can be easily overlooked.
This monthly checklist of credit card perks ensures you keep them in mind as we enter a new month.
Related: Don’t miss out: Enjoy benefits just for signing up for these loyalty programs
For rates and fees of the Amex Gold, click here.
For rates and fees of the Amex Platinum, click here.
