December is here, and with it comes a wave of valuable credit card benefits poised to expire. It’s easy to let these perks slip through your fingers, especially if you hold multiple cards. Don’t leave money on the table – this is your guide to maximizing your rewards this month.
American Express cards consistently offer a wealth of monthly statement credits, a significant advantage over annual benefits. These credits are “use it or lose it,” meaning they won’t roll over, so planning is key. Remember, the advertised values are maximums; you’ll only receive credit for the amount you actually spend.
The American Express Platinum Card unlocks a diverse range of monthly perks. You can receive up to $25 for digital entertainment subscriptions like Disney+, Hulu, or The New York Times, but enrollment is required. Plus, take advantage of up to $15 in Uber Cash and $12.95 for a Walmart+ membership, both requiring payment with your Platinum Card.
Beyond monthly benefits, the Platinum Card offers semi-annual statement credits for Saks Fifth Avenue purchases – up to $50 twice a year. Don’t forget the substantial credits available for bookings through Fine Hotels + Resorts and The Hotel Collection, potentially totaling $600 annually. If a credit doesn’t appear automatically, a quick chat with American Express customer service can resolve the issue.
For business owners, the American Express Business Platinum Card provides up to $50 quarterly on Hilton purchases and $10 on wireless bills. A significant perk is the potential for $1,150 in statement credits for Dell purchases, requiring a $5,000 spend between July and December. Like the personal Platinum, it also offers hotel booking credits.
The American Express Gold Card offers a different set of monthly advantages. Enjoy up to $100 annually in Resy statement credits, split into two $50 increments. You’ll also find $10 monthly for Uber Cash and another $10 for dining at select restaurants like Five Guys or through Grubhub. A $7 monthly credit at Dunkin’ adds a sweet perk to your routine.
The American Express Business Gold Card provides up to $20 in monthly statement credits for eligible purchases at FedEx, Grubhub, and office supply stores. This benefit can significantly offset the card’s annual fee.
Delta SkyMiles cardholders can also benefit from monthly statement credits. Depending on your card level, you can receive credits for U.S. restaurant purchases on Resy and for ride-hailing services like Lyft or Uber. Remember to enroll to activate these benefits.
The Hilton Honors American Express Aspire Card offers up to $200 in statement credits for Hilton Resorts every six months, and up to $50 quarterly for airline purchases. The Surpass Card provides up to $50 quarterly on Hilton purchases, while the Business Card offers up to $60 quarterly.
Marriott Bonvoy Brilliant cardholders can enjoy up to $25 monthly for dining purchases worldwide. Chase Sapphire Reserve cardholders have access to credits for The Edit hotels, DoorDash, and Lyft, while the Preferred card offers credits for hotel bookings and DoorDash.
World Elite Mastercards, often issued by various banks, provide additional perks like $5 monthly Lyft credits and discounts on Peacock subscriptions. However, some of these benefits are expiring soon, so act quickly.
Ultimately, maximizing your credit card benefits requires awareness and a little planning. Don’t let valuable credits go unused. Take a few moments to review your cards and take advantage of these offers before the month ends, ensuring you get the most out of your rewards.
