February presents a wealth of credit card benefits, but keeping track of them all can feel like a daunting task. Many valuable perks are quietly available, waiting to be utilized – but they often come with strict deadlines.
American Express consistently delivers monthly statement credits, a significant advantage over annual benefits. These credits, however, operate on a “use it or lose it” basis, meaning any unused amount vanishes at month’s end. It’s crucial to remember these values are maximums; you’ll only receive credit for the amount you actually spend.
The American Express Platinum Card offers a compelling suite of monthly perks. Cardmembers can receive up to $25 for digital entertainment subscriptions like Disney+, Hulu, and Peacock, but enrollment is required. Additionally, $15 in Uber Cash awaits, alongside a $12.95 credit for a Walmart+ membership and up to $9.99 for Uber One – all requiring enrollment.
Beyond monthly benefits, the Platinum Card provides semi-annual statement credits for Saks Fifth Avenue purchases, totaling up to $100 per year. Luxury travel is also rewarded with up to $300 semi-annually for bookings through Fine Hotels + Resorts and The Hotel Collection. Don’t hesitate to request missing credits via online chat.
For business owners, the American Express Business Platinum Card offers up to $50 quarterly on Hilton purchases and $10 on wireless bills, totaling $200 and $120 annually, respectively. A substantial $1,150 in Dell statement credits is also available, requiring a $5,000 annual spend. Like the personal Platinum, it also offers hotel and travel credits.
The American Express Gold Card provides a different set of monthly advantages. Cardmembers can enjoy up to $100 annually in Resy statement credits, split into two $50 increments. $10 monthly Uber Cash and credits for dining at select restaurants like Five Guys and Wine.com, plus $7 at Dunkin’, further enhance the card’s value.
The American Express Business Gold Card offers up to $20 in monthly statement credits for eligible purchases at FedEx, Grubhub, and office supply stores, potentially offsetting the card’s annual fee. This card also provides significant credits for Dell purchases, similar to its personal counterpart.
Delta SkyMiles cardholders can also take advantage of monthly statement credits on Resy and ride-hailing services. The amount varies depending on the specific card, with some offering up to $240 annually on Resy and $120 on ride-hailing. Remember to enroll to activate these benefits.
The Hilton Honors American Express Aspire Card provides up to $200 in statement credits for Hilton Resorts every six months, and up to $200 annually for airline incidentals. The Surpass card offers up to $200 annually in quarterly Hilton statement credits.
Marriott Bonvoy Brilliant cardholders receive up to $25 monthly in dining statement credits, while Chase Sapphire Reserve cardholders can benefit from credits for hotel bookings, DoorDash, and Lyft. The Sapphire Preferred offers hotel credits and DoorDash benefits as well.
Don’t overlook the rotating category bonuses offered by Discover it Cash Back and U.S. Bank Cash+ cards. These cards require activation each quarter to maximize cash back earnings on specific spending categories. Citi cards also offer rotating categories and valuable monthly credits.
Ultimately, maximizing your credit card benefits requires awareness and proactive use. These monthly perks can significantly offset annual fees and enhance your overall rewards earnings. Taking a few moments each month to review and utilize these benefits is a smart financial practice.
