End of Month Checklist: Credits, Spending Offers and Fuel Points
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!
Regular Monthly Credits
This list is going to be bigger than normal because of all of the pandemic credits. Here is a list of everything you need to use in the next day or so or you will lose it. Here is an awesome spreadsheet that should help you keep track of your Amex credits during the month.
Amex Platinum Card
- $30 PayPal credit
- $15 Uber Credit
- $50 in Saks Fifth Avenue credit – Must use by June 30th and December 31st. You get 2 credits per year.
- Make sure you to use your $200 airline incidental credit as well (have until December 31st).
Amex Platinum Business Card
- $100 in Dell credit (x2) – Must use by June 30th and December 31st. You get 2 credits per year.
Amex Gold Card
- $10 in credits at Grubhub, Seamless, The Cheesecake Factory, Ruth’s Chris Steak House, Boxed, and participating Shake Shack locations.
- $10 Uber credit
- Make sure you used up your $100 airline incidental credit as well (have until December 31st).
Amex Aspire Card
- Make sure you used up your $250 airline incidental credit as well (have until December 31st).
Dining Credits
Hilton Cards
- No Fee Hilton American Express – $5 per month
- Hilton Surpass – $10 per month
- Hilton Aspire – $20 per month
Delta Cards
- Delta Skymiles Gold Card – $10 per month
- Delta Skymiles Platinum Card – $15 per month
- Delta Reserve – $20 per month
Bonvoy Cards
- Marriott Bonvoy Brilliant – $20 per month
- Amex Bonvoy (old SPG card) – $10 per month
Wireless Credits
Hilton Cards
- Hilton Honors Business Card – $10 per month
Delta Cards
- Delta Skymiles Gold Business Card – $10 per month
- Delta Skymiles Platinum Business Card – $15 per month
- Delta Reserve Business Card – $20 per month
Bonvoy Cards
- Marriott Bonvoy Business – $15 per month
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 $1,500 per month on Amazon or at the grocery store (Ends 3/31).
Chase Freedom & Freedom Flex
- 1st quarter comes to an end April first so max out the $1,500 in spend at wholesale clubs, internet, cable, phone services or select streaming services.
Sapphire Reserve
- 3X per dollar at Grocery Stores up to $1,000 per month.
Sapphire Preferred
- 2X per dollar at Grocery Stores up to $1,000 per month.
Extend Fuel Points
Remember to call and extend the fuel points in your area’s program. Benjy shared how to do this with Kroger. It should work the same for most programs.
Final Thoughts
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 😁.
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.
Yup these are pretty easy to use for sure.
Does anyone know if the Uber credits expire the beginning of the day or the end of the day 2/28? Thanks.
Sorry for this being a bit late but it is generally at Midnight Eastern on the change of the month.
Love this. I didn’t see MR cash out via Schwab to buy $GME and $AMC though. Otherwise this is excellent.
Haha – I wish I had thought of that last month. I would be taking a nice long break from work right now haha.
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.
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.
Thanks for the list. Thought Amex Hilton Aspire credit was anniversary year.
The resort credit is cardmember year but the airline credit is calendar year. Annoying & confusing that they have them on different schedules.
[…] 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. […]
Thanks for posting this info each month Mark!
My pleasure – hope all is well with the family Jody!
Also United and Southwest grocery bonuses if you’re targeted
Very helpful, especially the Amex stuff. Thx