End of Month Checklist: Credits, Spending Offers and Fuel Points

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End of Month Checklist

Another month has come and gone…well almost. Since it is the twilight of the month I wanted to put together an end of month checklist. This will include all of the random credits you have on your credit cards, other spending offers and deals that need managing each month. This one is extra special since it is also the end of the year!

Table of Contents

Regular Monthly Credits

Here is a list of everything you need to use in the next week or so or you will lose it. I will break it down by credit card issuer to make it easier to find what you need.

American Express

First up in our end of month checklist is American Express. They are the originators of the coupon book syndrome after all!

Amex Platinum Card

$15 Uber Credit + $20 Bonus for December
$25 digital entertainment credit
$100 Resy quarterly credit (use by 3/31, 6/30, 9/30 and 12/31)
$75 Lululemon quarterly credit (use by 3/31, 6/30, 9/30 and 12/31)
$300 FHR & THC bi-annual credit (use by 6/30 and 12/31)
$50 Saks Fifth Avenue bi-annual credit (use by 6/30 and 12/31)
$200 airline incidental yearly credit (use by 12/31).

Amex Platinum Business Card

$10 wireless credit
$50 Hilton quarterly credit (use by 3/31, 6/30, 9/30 and 12/31)
$300 FHR & THC bi-annual credit (use by 6/30 and 12/31)
$200 airline incidental yearly credit (use by 12/31).
$150 Dell yearly credit (use by 12/31)

Amex Gold Card

$10 dining credit
$10 Uber credit
$7 Dunkin Donuts credit
$50 Resy bi-annual credit (use by 6/30 and 12/31)

Amex Business Gold

$20 credit for office supply stores, Grubhub or FedEx

Hilton Cards

Hilton Aspire
- $50 flight quarterly credit (use by 3/31, 6/30, 9/30 and 12/31)
- $200 resort bi-annual credit (use by 6/30 and 12/31)
Hilton Surpass
- $50 Hilton quarterly credit (use by 3/31, 6/30, 9/30 and 12/31)
Hilton Business
- $60 Hilton quarterly credit (use by 3/31, 6/30, 9/30 and 12/31)

Delta Cards

Delta Gold Personal
- $100 Delta Stays credit (use by 12/31)
Delta Gold Business
- $150 Delta Stays credit (use by 12/31)
Delta Platinum Personal
- $10 rideshare credit
- $10 U.S. Resy credit
- $150 Delta Stays credit (use by 12/31)
Delta Platinum Business
- $10 rideshare credit
- $10 U.S. Resy credit
- $200 Delta Stays credit (use by 12/31)
Delta Reserve Personal
- $10 rideshare credit
- $20 U.S. Resy credit
- $200 Delta Stays credit (use by 12/31)
Delta Reserve Business
- $10 rideshare credit
- $20 U.S. Resy credit
- $250 Delta Stays credit (use by 12/31)

Bonvoy Brilliant Card

$25 dining credit

Chase

Chase has gotten in on the monthly (and more) credit fun big time over the last few years.

Sapphire Reserve Personal

$10 Lyft credit
$5 DoorDash for restaurants credit
2x $10 DoorDash credit for grocery, convenience or other non restaurant orders
- Must have your DashPash activated with the same credit card
2x $250 Edit credit (use by 12/31)
$150 Exclusive tables bi-annual credit (use by 6/30 and 12/31)
$150 StubHub or Viagogo bi-annual credit (use by 6/30 and 12/31)
$250 Chase Travel Hotel yearly credit for select brands (use by 12/31)

Sapphire Reserve for Business

$10 Lyft credit
$5 DoorDash for restaurants credit
2x $10 DoorDash credit for grocery, convenience or other non restaurant orders
- Must have your DashPash activated with the same credit card
2x $250 Edit credit (use by 12/31)
200 ZipRecruiter credit bi-annual credit (use by 6/30 and 12/31)
$50 Giftcards.com bi-annual credit (use by 6/30 and 12/31)
$250 Chase Travel Hotel yearly credit for select brands (use by 12/31)

Sapphire Preferred

$10 DoorDash credit for grocery, convenience or other non restaurant orders
$50 Hotel credit when booked via Chase Travel (based on cardmember year)

Freedom Flex & Freedom Unlimited

$10 DoorDash credit for grocery, convenience or other non restaurant orders

United Cards

United Club
- $12 rideshare credit ($18 in December)
- 2x $10 Instacart credits
United Club Business
- $12 rideshare credit ($18 in December)
- 2x $10 Instacart credits
United Quest Card
- $8 rideshare credit ($12 in December)
- $10 & $5 Instacart credit (must do them in separate transactions)
United Business Card
- $12 rideshare credit ($18 in December)
- $10 Instacart credit
United Explorer Card
- $5 rideshare credit
- $10 Instacart credit

Citi

Citi is the newest issuer into the monthly credit waters. They only have a few cards on the list, but they had zero not too long ago.

Citi Strata Elite

$100 Blacklane bi-annual credit (use by 6/30 and 12/31)
$200 Splurge credit on up to 2 of the following (use by 12/31)
- American Airlines
- Best Buy
- Live Nation
- Future personal training
- 1stDibs
$300 Citi travel hotel credit (use by 12/31)
- Must book a 2 night stay

American Airlines Cards

American Airlines Executive Card
- $10 Grubhub credit
American Airlines AAdvantage Globe
- $30 Turo credit per month (up to $240 per year)
- $100 Splurge credit on up to 2 of the following
  - AAdvantage hotel bookings
  - Live Nation
  - Future personal training
  - 1stDibs

Spending Offers Ending

Here is another spreadsheet that should help you with your Chase credits each month.

Chase Co-branded Cards

Chase has targeted most co-branded cardholders for 3X or 5X spending offers for various options. Check your cards here.

Chase Freedom & Freedom Flex

Get in your $1500 in spend for the Chase Freedom Flex this quarter. The categories are
- Dining
- Donations to the American Heart Association
- Norwegian Cruise Line.

Discover Card

Discover card has the following 5% categories this quarter are:
- Grocery stores
- Wholesale clubs
- Select streaming services

Citi Dividend

The Citi Dividend categories this quarter are:
- Amazon
- Select streaming services

End of Month Checklist

Hopefully you found this end of month checklist useful. I will continue to update and post it every month as a reminder. I know I need to take care of two of these things today so it is a good reminder for me too!

23 COMMENTS

ACinCLT Feb 28, 2026 At 1:49 am

Nice list. One correction-Amex Platinum Lululemon credit is quarterly ($75×4 for $300 total) not bi-annual like Saks credit

- Mark Ostermann Feb 28, 2026 At 5:23 am
  
  Crap! Fixed, thanks for the heads up.
  
Lee Oct 23, 2022 At 7:03 am

Albertsons and Krogers might merge. You’ll want to remark on which fuel rewards features survive.

rxgeek Nov 29, 2021 At 6:57 am

Daughter says Kroger no longer extends Fuel points. Any dps that’s it still works?

- g Jan 31, 2022 At 6:54 am
  
  extended saturday 1/29/22
  
Lukas Nov 5, 2021 At 7:59 am

AMEX is not giving me $15 cell phone credit on my Marriott Business card. Is there a page on amex.com where I can see this so I can point them to it?

- Lukas Nov 5, 2021 At 11:12 am
  
  Nevermind. I found out that you had to have a card as of 1/1/21 in order to be eligible. Bummer as I missed out on $30 in savings with my Verizon bill that I could have paid with my PPK to get $10 off.
  
  - Mark Ostermann Nov 6, 2021 At 6:49 pm
    
    Bummer – sorry to hear that Lukas
    
Quo Vadis? Feb 27, 2021 At 1:08 pm

I’m usually not a fan of the grab-bag Amex credits, but the (new) Feb-Dec 2021 dining credits are certainly useful, as pretty much anyone/everyone can find a restaurant to use them at. Have two (actually three) of these cards totaling $30 ($35) in credits per month, so that’s kind of like free money, which is awesome.

- Mark Ostermann Mar 2, 2021 At 2:07 pm
  
  Yup these are pretty easy to use for sure.
  
Julian Feb 27, 2021 At 1:06 pm

Does anyone know if the Uber credits expire the beginning of the day or the end of the day 2/28? Thanks.

- Shawn Coomer Mar 1, 2021 At 2:13 pm
  
  Sorry for this being a bit late but it is generally at Midnight Eastern on the change of the month.
  
T Jan 30, 2021 At 8:45 am

Love this. I didn’t see MR cash out via Schwab to buy $GME and $AMC though. Otherwise this is excellent.

- Mark Ostermann Jan 30, 2021 At 11:05 am
  
  Haha – I wish I had thought of that last month. I would be taking a nice long break from work right now haha.
  
DaninMCI Jan 30, 2021 At 6:41 am

Good post.
Some additional ones.
Some Chase co-brand cards (like BA,IHG,UA,SWA,etc.) are targeted for 5x up to $1,500 at grocery,gas,drug stores through 3/31 so check your promo offers for those.
Freedom 5x bonus at Wholesale clubs, utilities, streaming svcs 1st quarter.
Many BofA store cash back bonuses rolled over at the end of January so re-up for Starbucks, etc. on that site.

- Mark Ostermann Jan 30, 2021 At 7:04 am
  
  Thanks Dan, have the Chase co-brands in there already. Went back and forth on Freedom or if I should only put it in March since that is when it ends – probably should add it in though.
  
Billy Bob Dec 25, 2020 At 5:19 pm

Thanks for the list. Thought Amex Hilton Aspire credit was anniversary year.

- Mark Ostermann Dec 26, 2020 At 7:38 am
  
  The resort credit is cardmember year but the airline credit is calendar year. Annoying & confusing that they have them on different schedules.
  
Weekly Points: Using Shopping Portals, Deal On Fairmont Hotels, The United TravelBank and More! - Travel Miles 101 Nov 27, 2020 At 9:09 am

[…] Monthly Checklist: Many of our cards have credits or spending bonuses that boost the cards’ value if we use them. We’re at the end of the month now, so it’s a good time to see if we’re taking advantage of these credits. […]

Jody Oct 29, 2020 At 5:51 pm

Thanks for posting this info each month Mark!

- Mark Ostermann Oct 30, 2020 At 4:13 pm
  
  My pleasure – hope all is well with the family Jody!
  
Justin Sep 28, 2020 At 8:50 pm

Also United and Southwest grocery bonuses if you’re targeted

CLA Jul 31, 2020 At 5:28 pm

Very helpful, especially the Amex stuff. Thx