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.
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
- As much as $12.95 assertion credit score for a Walmart+ month-to-month membership (as much as $155 every calendar yr): Pay with The Platinum Card® from American Express, then receive reimbursement in statement credits for up to one membership fee per month. Here’s how to enroll (subject to auto-renewal). Plus Up Benefits are not eligible. If you don’t receive the statement 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; terms apply.
- Up to $20 in Uber Cash (up to $200 in Uber Cash per calendar year): 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; terms apply; you must pay with an eligible Amex card to use your Uber Cash).
- Up to $20 digital entertainment statement credit (up to $240 every calendar year): This can be used for the Disney Bundle, Disney+, ESPN+, Hulu, Peacock, The New York Times and The Wall Street Journal. Enrollment is required in advance to receive the statement credit; terms apply. Here’s how to use this benefit.
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.
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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
- Up to $10 wireless credits (up to $120 each calendar year): Pay for an eligible U.S. mobile service provider and receive a statement credit of up to $10 each month. Enrollment is required in advance; terms apply.
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):
- Up to $10 Uber Cash each month (up to $120 each calendar year): Like the perk on the Amex Platinum, this applies to Uber rides and Uber Eats orders in the U.S. Add your American Express® Gold 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; terms apply. Uber Cash will only be deposited into one Uber account when you add the Amex Gold as a payment method to use and redeem with any Amex card.
- Up to $10 dining credit (up to $120 per calendar year): Use your card to pay at The Cheesecake Factory, Five Guys, Goldbelly, Grubhub and Wine.com to receive up to $10 in monthly statement credits. Enrollment is required in advance; terms apply. Here’s how to use this benefit.
- Up to $7 Dunkin’ credit (up to $84 every calendar year): Cardmembers receive up to $7 in monthly statement credits to be used at Dunkin’ locations within the U.S. Enrollment is required; terms apply.
- Up to $100 annual Resy credits: Cardmembers receive two up to $50 biannual statement credits, one to be used from January to June and another one from July to December. Statement credits can be redeemed by dining at a restaurant (in the U.S.) that accepts Resy reservations and paying with your Amex Gold, as well as on other eligible Resy purchases. A reservation is not required to earn the statement credit. Enrollment is required; terms apply.
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.
Chase Sapphire Reserve
- $5 DoorDash credit: If you add your Chase Sapphire Reserve® card as a payment method to your DoorDash account, Chase will add $5 in credits at the beginning of each month. 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. As of Feb. 1, this credit applies to only $5 off restaurant orders. Note that these credits are in addition to the card’s complimentary DashPass membership (activate by Dec. 31, 2027).
- $20 DoorDash non-restaurant credits: With an activated Sapphire Reserve DashPass membership, cardholders receive two promos of up to $10 off each calendar month at checkout on grocery, convenience or other non-restaurant orders on DoorDash. Only one promo may be used per order.
To learn more, check out our full review of the Sapphire Reserve.
Apply here: Chase Sapphire Reserve
Chase Sapphire Preferred Card
- $10 DoorDash non-restaurant credits: Cardholders with an activated Chase Sapphire Preferred® Card DashPass membership receive one promo of up to $10 off each calendar month at checkout on one grocery, convenience or other non-restaurant order on DoorDash. Activate your DashPass membership by Dec. 31, 2027 to use this benefit.
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
- Up to 5% cash back: Current categories include select grocery stores (including Instacart), fitness club and gym memberships, hair, nail and spa services and Norwegian Cruise Line purchases (must book directly with the cruise line). You’ll receive 5% cash back on these categories on up to $1,500 of combined spending each quarter (then 1% back). You must activate your categories to enjoy higher earning rates. The quarter ends on March 31 (and you must activate by March 14), so you could have till then to register and maximize these earnings.
- $10 DoorDash non-restaurant credit: Cardholders of any Chase Freedom or Slate household playing cards obtain one promo of as much as $10 off every quarter at checkout on one grocery, comfort or different non-restaurant order on DoorDash through a DashPass membership. Your DashPass membership should have been activated by Jan. 31, 2025 to obtain this profit.
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.
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:
- $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 monthly statement 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)
- 5% cash back: You can earn 5% cash back each quarter on rotating categories. Unlike other cards that limit your bonus earnings within the quarter, Citi® Dividend cardholders can earn 5% bonus cash back on up to $6,000 of spending across the year (then 1% back thereafter), meaning you could maximize your 5% earnings for the whole year during a quarter where the bonus categories are more advantageous for you. Remember to activate your current categories, which embrace Amazon and choose streaming providers. These classes are energetic by means of March 31.
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.
U.S. Bank Cash+ Visa Signature Card
- 5% cash back: Each quarter, you can earn 5% cash back on up to $2,000 in combined spending on rotating categories (then 1% back) with your U.S. Bank Cash+® Visa Signature® Card. You must choose your categories each quarter and activate them for the bonus to use. The present quarter runs by means of March 31, and classes embrace: cellphone suppliers, malls, electronics shops, quick meals, furnishings shops, floor transportation, gyms/health facilities, dwelling utilities, film theaters, choose clothes shops, sporting items shops and TV, web and streaming providers.
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:
- $5 in monthly Lyft credit after three rides: Use your card as the payment method in your account and get a $5 Lyft credit after taking three rides in a month. This benefit runs through Sept. 30.
- Up to $5 off monthly Peacock subscriptions: Use your eligible card to pay for a monthly Peacock streaming subscription and enjoy a $3 statement credit every month for Peacock Premium or a $5 statement credit every month for Peacock Premium Plus (the ad-free version). This benefit runs through March 31.
- $10 off your second Instacart order: Join with your eligible card to get pleasure from two free months of Instacart+ membership plus $10 off your second order positioned every month. This profit runs by means of March 31.
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.