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Monthly checklist: Credit card perks and benefits you should be using in February

Relying on what number of bank cards you could have, the record of advantages you need to be utilizing this month would possibly really feel overwhelming. Are you able to keep in mind all of those perks with out assist? Perhaps not.

Relatively than attempting to maintain monitor of all of them by yourself, we have compiled a month-to-month guidelines of bank card perks and advantages you is perhaps eligible for. This could take the guesswork out of your advantages after they expire and their worth.

Listed here are some essential reminders for the month of February.

American Categorical

There are quite a few month-to-month card perks that you need to be utilizing since Amex provides lots of its assertion credit as month-to-month quantities — somewhat than a one-time annual profit.

It is essential to notice that these values are “as much as” quantities, which means that is the utmost you’ll obtain in assertion credit. Should you spend lower than this quantity, you’ll be reimbursed just for that decrease quantity.

ZACH GRIFF/THE POINTS GUY

Moreover, your Uber Money will disappear out of your account if unused by the tip of the month.

General, these usually are not advantages you possibly can roll over for later. They’re “use it or lose it” sort credit.

The Platinum Card from American Categorical

While not a monthly benefit, cardmembers 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, plus a separate up to $50 in statement credits from July 1 to Dec. 31, for up to $100 in Saks statement credits each calendar year. Enrollment is required in advance; terms apply.

You can use up to $300 in Equinox statement credits each calendar year. 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; terms apply.

These benefits and statement credits can help offset the card’s $695 annual fee (see rates and fees).

To learn more, check out our full 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

The Business Platinum Card® from American Express doesn’t award credits at Saks or with Uber, but cardmembers do receive up to $400 in statement credits every year for Dell purchases (the tentative end date of benefit is June 30, 2025).

This is split into up to $200 in credits from January to June and another up to $200 from July to December. You can use your credits for the first half of the year now. Enrollment is required in advance; terms apply.

To learn 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

Use the following benefits to help offset the card’s $325 annual fee (see rates and fees):

To learn more, check out 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 per calendar year): Use your Hilton Amex Aspire at participating Hilton Resorts to pay for eligible purchases, similar to room fees and incidentals. This profit is split into two $200 biannual credit, one to be used from January to June and one other to be used from July to December.
  • As much as $50 in flight credit per quarter (as much as $200 every calendar yr): Pay for a flight instantly with an airline or by means of AmexTravel.com and obtain as much as $50 in assertion credit every quarter. Datapoints inform us you could possibly use this credit score for seat upgrades, award taxes and charges and to reload your United TravelBank stability.

Enrollment is required for choose advantages; phrases apply.

The data for the Hilton Amex Aspire card has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or supplied by the cardboard issuer.


Be taught extra: Hilton Honors American Categorical Aspire Card


Hilton Honors American Categorical Surpass Card

  • As much as $50 Hilton credit score per quarter (as much as $200 each calendar yr): Obtain as much as $50 in assertion credit every quarter on purchases charged instantly with a property inside the Hilton portfolio, together with bookings and incidental fees. Datapoints inform us you could possibly use this credit score for eating and present retailer purchases at a Hilton property and on-line Hilton present card purchases even in the event you aren’t staying at a property. Phrases apply.

To be taught extra, take a look at our full evaluate of the Hilton Amex Surpass.


Apply right here: Hilton Honors American Categorical Surpass® Card


The Hilton Honors American Categorical Enterprise Card

  • As much as $60 Hilton credit score per quarter (as much as $240 every calendar yr): Obtain as much as $60 in assertion credit every quarter on purchases charged instantly with a property inside the Hilton portfolio, together with bookings and incidental fees similar to eating and spa providers. See our recommendation for the Surpass credit score above. Phrases apply.

To be taught extra, take a look at our full evaluate of the Hilton Honors Amex Enterprise.


Apply right here: Hilton Honors American Categorical Enterprise Card


Marriott Bonvoy Sensible American Categorical Card

  • As much as $25 in month-to-month eating credit (as much as $300 every calendar yr): This card provides as much as $25 in month-to-month eating assertion credit at eating places worldwide. You need not enroll for this profit prematurely — swipe your card at an eligible restaurant, and it’s best to obtain the assertion credit score inside just a few days. Phrases apply.

To be taught extra, take a look at our full evaluate of the Marriott Bonvoy Sensible® American Categorical® Card.


Apply right here: Marriott Bonvoy Sensible American Categorical Card


Chase

Choose Chase bank cards provide perks on a month-to-month foundation, so a brand new month means you could have a contemporary batch of credit to make use of.

MICHAEL BROCHSTEIN/SOPA IMAGES/LIGHTROCKET/GETTY IMAGES

Chase Sapphire Reserve

To learn more, check out our full review of the Sapphire Reserve.


Apply here: Chase Sapphire Reserve


Chase Sapphire Preferred Card

Cardholders can also use a $50 hotel credit each year when booking through Chase Travel℠. If you haven’t used yours yet this year, here’s how to use this benefit.

To learn more, check out our full review of the Sapphire Preferred.


Apply here: Chase Sapphire Preferred Card


Chase Freedom (not open to new applicants) and Chase Freedom Flex

Bear in mind: Though the Chase Freedom and Chase Freedom Flex® playing cards are technically cash-back merchandise, you possibly can flip these earnings into absolutely transferable Final Rewards factors in the event you even have a premium Chase card just like the Sapphire Most well-liked or Sapphire Reserve.

The data for the Chase Freedom card has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or supplied by the cardboard issuer.


Apply right here: Chase Freedom Flex


Citi

Try these must-use advantages for sure Citi playing cards.

CHRISTOPHER DILTS/BLOOMBERG/GETTY IMAGES

Citi / AAdvantage Govt World Elite Mastercard

The Citi® / AAdvantage® Executive World Elite Mastercard® (see rates and fees) card has several benefits, including the following monthly credits:

In 2024, Citi devalued the annual up to $120 Avis-Budget car rental credit on this card. To use the credit, you must book a prepaid rental with either Avis or Budget.

To learn more, check out our full review of the AAdvantage Executive World Elite Mastercard.


Apply here: Citi / AAdvantage Executive World Elite Mastercard


Citi Dividend Card (not open to new applicants)

The data for the Citi Dividend card has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or supplied by the cardboard issuer.

Uncover

Uncover it Money Again

  • 5% money again: Every quarter, you possibly can earn 5% money again on as much as $1,500 in mixed spending on rotating classes, then limitless 1% money again. Bear in mind to activate your present classes, together with eating places, dwelling enchancment shops and choose streaming providers, by means of March 31. Eligible Choose Streaming Service purchases embrace Amazon Music, Amazon Prime Video, AMC+, Apple Music, Apple TV, Audible, DirecTV Stream, FUBO, Google Play Music and Video, Max, iHeartRadio, MLB.TV, Netflix, Pandora, Paramount Plus, Peacock, Showtime, SiriusXM, Sling TV, Spotify, Starz, Vudu, YouTube Music, YouTube Premium and YouTube TV. Different well-liked streaming providers could also be included.

The data for the Uncover it® Money Again has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or supplied by the cardboard issuer.


Be taught extra: Discover it Cash Back


U.S. Bank

Have a U.S. Bank credit card? Pay close attention to this section so you don’t miss out on important benefits.

GEORGE FREY/BLOOMBERG/GETTY IMAGES

U.S. Bank Cash+ Visa Signature Card

The data for the U.S. Financial institution Money+ has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or supplied by the cardboard issuer.


Be taught extra: U.S. Financial institution Money+ Visa Signature Card


World Elite Credit cards

World Elite Credit cards have advantages which may be separate from what your card’s issuer provides.

World Elite Credit cards

Quite a few banks situation a World Elite Mastercard. Common products under this umbrella include the Citi Strata Premier℠ Card (see rates and fees), the IHG One Rewards Premier Credit Card and the Chase Freedom Flex. Here’s what cardholders can use each month on these cards:

MARCO BOTTIGELLI/GETTY IMAGES

Associated: The 9 most precious World Elite Mastercard advantages

Backside line

Utilizing the perks and advantages in your bank cards is crucial for maximizing their worth and justifying the playing cards’ annual charges. Some bank cards make this simple, providing you advantages as a one-time perk to make use of annually. Different advantages have to be utilized in month-to-month increments, and it may be simple to neglect about them.

This month-to-month guidelines of bank card perks will allow you to keep in mind to make use of them now that it is the begin of a brand new month.

Associated: Do not miss out: Get perks only for signing up with these loyalty packages

For charges and charges of the Amex Gold, click on right here.
For charges and charges of the Amex Platinum, click on right here.

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