Don’t Stop Short!  Get the Most From ALL of Your Cards Perks!

Don’t Stop Short!  Get the Most From ALL of Your Cards Perks!

Million Mile SecretsDon’t Stop Short!  Get the Most From ALL of Your Cards Perks!Million Mile Secrets Team

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Recently, AMEX unveiled the new line-up of Hilton cards.  And there was much rejoicing!

Now that you’ve got your shiny new card, it’s time to start planning to make the most of its benefits!  Because there are few things more disappointing to a miles & points enthusiast than realizing you missed out on something free. 🙁

And sometimes it’s not completely clear when (or if!) you can get a perk again.  For example, certain credits reset every calendar year, while others are tied to your card anniversary.

Dont Stop Short Get The Most From ALL Of Your Cards Perks
Once You’ve Got the Right Credit Cards, You’ll Need to Stay Organized to Get the Most From Your Card’s Benefits!

Million Mile Secret Agent Jane asked:

I just upgraded my Hilton Honors American Express Ascend Card to the Hilton Honors American Express Aspire Card.  I think the anniversary date, which is in May, stays the same.  Can I use the $250 Hilton resort credit now and get another $250 Hilton resort credit after May since this credit is per cardmember year?

Yes you can, Jane!  When a card benefit is listed as “per cardmember year” or “account anniversary year,” you’ll get the benefit again on your anniversary date.  But not all perks work this way.  Some will be “per calendar year” which is January to December, regardless of when you opened the account.

This is an important distinction, because the benefits on your AMEX Hilton Aspire card do NOT all follow the same rules!

Don’t Miss Out on Your Perks!

Not every benefit that comes with your credit card is automatic.  Sometimes there are specific restrictions or you’ll have to make an extra step to take advantage of the perk.  This is especially true for “premium” credit cards that typically have higher annual fees.

So here are 3 things to do to make sure you never miss out on a card’s money saving perk again!

1.   Do NOT Miss Your Benefit’s Deadline!

Typically, credit card perks do NOT roll over from year to year.  So it’s use it or lose it!

Jane’s anniversary date is in May, which is when the $450 annual fee is due on her AMEX Hilton Aspire card.  This is also when the $250 Hilton resort credit will reset.  So if she doesn’t use all of her Hilton resort credit before her anniversary date, she’ll lose it!

But the $250 airline incidental credit is tied to the calendar year.  So she’ll want to use that statement credit before the end of December 2018.  And then she’ll be able to get the same credit again in January 2019.

For folks who are visual learners, this is what Jane’s cardmember and calendar years look like.

Dont Stop Short Get The Most From ALL Of Your Cards Perks
Your Card Member Year Is Tied to Your Anniversary Date, but a Calendar Year Is Always January to December

If you want to know the specifics of your card’s benefits, be sure to read through the card’s terms and conditions.  If you threw those away, you should be able to find them online.

Also, occasionally your card benefits will change or be updated and it could affect how you plan to use your benefits.  So it’s important to pay attention to any notifications you get from your bank.  For example, last year the Chase Sapphire Reserve card’s $300 travel credit changed from being renewed after each calendar year to a cardmember anniversary reset.

2.   Know When the Perk Applies & When It Doesn’t

Jane’s $250 Hilton resort credit is only valid for purchases made directly with Hilton resorts.  So make sure you check the list before you book a stay.

Room rates and incidentals you charge to your room and pay for with your AMEX Hilton Aspire when you check out will qualify.  But if you eat at the resort’s restaurant and charge the meal directly to your AMEX Hilton Aspire card, you will NOT get the credit!

Dont Stop Short Get The Most From ALL Of Your Cards Perks
The AMEX Hilton Aspire Card’s Resort Credit Is Only Valid for Charges Made Directly With Hilton Resorts, Like the Hilton Waikoloa Village

And the AMEX Hilton Aspire’s airline credit is valid for incidental charges like baggage fees or lounge pass purchases with your selected airline.  But airfare purchased with your airline won’t be reimbursed.

Lots of credit cards earn bonus miles & points for certain categories of spending.  So you can multiply the rewards you earn on your everyday purchases, but you’ll have to remember which bonuses apply to your card.  Some folks find it easier to keep track of these perks (and annual fees) by creating a spreadsheet.

3.   Take the Extra Step to Get Your Card’s Benefits

One of the other great AMEX Hilton Aspire card perks is the $250 airline incidental credit you’ll get per calendar year.  The terms for the airline credit state:

To receive statement credits of up to $250 per calendar year toward incidental air travel fees, card member must select one qualifying airline

This works like the The Platinum Card® from American Express & The Business Platinum® Card from American Express OPEN airline credits.  So be sure to select an airline you want to receive the credit with by calling the number on the back of your card or choosing one online.

Dont Stop Short Get The Most From ALL Of Your Cards Perks
Some Card Perks Take an Extra Step to Get Your Benefit, Like the AMEX Business Platinum Card’s Airline Credit Which Requires You to Select an Airline

And some cards come with memberships like Priority Pass lounge access (including the AMEX Hilton Aspire!) or free Gogo in-flight Wi-Fi passes.  But sometimes you’ll have to activate these perks to get the benefit.

Bottom Line

Once you’ve been approved for a credit card and earned the bonus, you’re not done earning Big Travel with Small Money!  Because many cards come with valuable perks that can more than offset even large annual fees.

But you’ll want to make sure you don’t miss out on valuable rewards.  So it’s important to understand how all of your perks work.  Because sometimes you’ll need to activate certain benefits to take advantage of them.

When your card has credits that renew annually, be sure to pay attention to whether it resets per cardmember year or per calendar year.  Because there is big difference between them!  Your cardmember year starts when you open the card and continues until your anniversary date.  But a calendar year is from January to December.

Thanks for the question, Jane!

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Hilton Honors Ascend Card from American Express

Hilton Honors Ascend Card from American Express

  • Earn 75,000 Bonus Points after you spend $2,000 in purchases with your new Card within the first 3 months of Card Membership.
  • Plus, earn an additional 25,000 Bonus Points after you make an additional $1,000 in purchases with your new Card within your first 6 months.
  • Earn a Weekend Night Reward from Hilton Honors after you spend $15,000 on purchases on your Card in a calendar year.
  • Earn 12X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a participating hotel or resort within the Hilton Portfolio.
  • Earn 6X Hilton Honors Bonus Points for each dollar of eligible purchases on your Card at U.S. restaurants, U.S. supermarkets, and U.S. gas stations.
  • Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card.
  • Spend $40,000 on eligible purchases on your Card in a calendar year and you can earn Hilton Honors Diamond status through the end of the next calendar year.
  • Terms Apply.
  • See Rates & Fees
Terms Apply | Rates & Fees

More Info

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I just applied for Chase Marriott card and was denied specifically for too many cards in last 2 years. I have only opened 4 cards in the last 2 years, all Chase: Hyatt, AARP, Disney and Sapphire Preferred. I was added as an authorized user to my wife’s Hyatt card which made the card count 5. However, your information shows Hyatt, AARP and Disney don’t count towards the Chase 5. I ended up calling the reconsideration line twice and only after getting my authorized user removed from my credit report would they reconsider. Has Chase changed the 5/24 rules for cards they count?

Million Mile Secrets

Glad to hear you got approved.

Chase has not changed the rules. ALL personal credit cards (and some business cards) will count toward your “5/24” limit.

But some Chase cards won’t be impacted by the “5/24” rule. So if you’re over “5/24” you could still be approved for the Chase Hyatt card, Disney card, etc.

Here is a post with other cards you can get even if you are over “5/24” (but they’ll still count toward your limit):