Time’s Running Out! Use Your Yearly Credit Card Perks – or Lose Them Forever!

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Time’s Running Out!  Use Your Yearly Credit Card Perks – or Lose Them Forever!

Harlan VaughnTime’s Running Out!  Use Your Yearly Credit Card Perks – or Lose Them Forever!Million Mile Secrets Team

We devote thousands of hours of research to help you get Big Travel with Small Money. You support us by signing-up for credit cards through partner links which earn us a commission. Here’s our full Advertising Policy.

Many of the best travel credit cards have annual benefits like statement credits, spending bonuses, and thresholds that end at the close of the calendar year.  So you have 2 more more months to use them – or they’re gone!

These perks help offset a card’s annual fee, or allow you to earn more bonus points.  So if you haven’t already, you have time to make a plan.

Remember, benefits are only valuable if you use them!

You Have Time to Pay for Upgrades, Check Bags, or Earn Bonuses With Your Credit Card Perks. Use Them Before They Disappear!

I’ll remind you which cards have perks that reset each calendar year!

Credit Cards With Annual Benefits You Should Use by Year End

Link:   How to Meet Credit Card Minimum Spending Requirements

Credit card perks are an easy way to offset any annual fees you pay to have a card.  But there’s a catch – you have to actually use your card’s benefits.  A good deal is worthless if you don’t use it!

There are 3 types of yearly benefits that reset:

  • Statement credits
  • Awards for spending
  • Category spending thresholds

You have 2 months to make the most of them!  Below are cards with annual benefits based on the calendar year (NOT card anniversary year).

And here are 40+ ways to get some extra spending done.

1.   Cards With Statement Credits

AMEX cards with yearly benefits include:

The information for the Hilton Honors Aspire Card from American Express has been collected independently by Million Mile Secrets.  The card details on this page have not been reviewed or provided by the card issuer.

If United Airlines Is Your Selected Airline, You Could Use Your Credit to Upgrade to Economy Plus!

Also, folks with a Citi Prestige (not currently open to new applications) card have a $250 airfare credit that resets after the close of their December billing statement.

The Bank of America® Premium Rewards® card also offers $100 per calendar year to spend on airline incidentals.

And if you have a Chase Ritz-Carlton card (no longer available to new applicants), don’t forget to use your $300 travel credit!  You have to call to get the credits applied, which can be a hassle.  But it’s worth it to save cash.

2.   Cards With Spending Bonuses

You can earn bonuses through spending on these AMEX cards:

The information for the Delta Reserve® Credit Card from American Express has been collected independently by Million Mile Secrets.  The card details on this page have not been reviewed or provided by the card issuer.

Points and Perks Earned From Hilton Credit Cards Can Take You All Around the World Like to the Waldorf Astoria Amsterdam Which is Eligible to Stay at for Free With a Free Weekend Night Certificate.
Perks Earned From Hilton Credit Cards Can Take You All Around the World Like to the Waldorf Astoria Amsterdam, Where You Can Stay Free With a Weekend Night Certificate

If you have the British Airways Visa Signature® Card or Aer Lingus Visa Signature® Card, you can earn a companion ticket after spending $30,000 on purchases in a calendar year.  And if you have the Iberia Visa Signature® Card, you get a $1,000 discount voucher to use toward 2 tickets on the same flight for each year you make purchases of $30,000 on your card.

The information for the Aer Lingus Visa Signature® Card and Iberia Visa Signature® Card has been collected independently by Million Mile Secrets.  The card details on this page have not been reviewed or provided by the card issuer.

3.   Cards With Spending Thresholds

Some AMEX cards let you earn extra points up to a certain limit each calendar year:

  • American Express® Gold Card – 4X AMEX Membership Rewards points at US supermarkets, up to $25,000 per year (then 1X)
  • Amex EveryDay® Credit Card – 2X AMEX Membership Rewards points at US supermarkets, up to $6,000 per year (then 1X)
  • Amex EveryDay® Preferred Credit Card – 3X AMEX Membership Rewards points at US supermarkets, up to $6,000 per year (then 1X)
  • Blue Cash Everyday® Card – 3% cash back at US supermarkets, up to $6,000 per year (then 1%)
  • Blue Cash Preferred® Card6% cash back at US supermarkets, up to $6,000 per year (then 1%)
  • The Blue Business℠ Plus Credit Card from American Express – 2X AMEX Membership Rewards points on purchases, up to $50,000 per year (then 1x)
  • SimplyCash® Plus Business Credit Card from American Express – 5% cash back on the first $50,000 spent at wireless telephone services purchases directly from US service providers and US office supply stores, and 3% cash back on the first $50,000 spent in one of eight categories you choose (then 1%)

The information for the Amex EveryDay® Preferred Credit Card and Amex EveryDay® Credit Card has been collected independently by Million Mile Secrets.  The card details on this page have not been reviewed or provided by the card issuer.

Get your spending done before it resets!

Bottom Line

If you have one of the cards listed here, you have 2 more months to redeem your credits, earn bonus points, or get extra rewards like free hotel nights and credit toward elite status.  Once 2019 rolls around, they’ll all reset – use it or lose it!

If you want some ideas, here are 40+ ways to spend on your cards.

Are you looking forward to using or earning any extra perks from your cards before the end of 2018?

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The Platinum Card® from American Express

The Platinum Card® from American Express

  • Earn 60,000 Membership Rewards® points after you use your new Card to make $5,000 in purchases in your first 3 months.
  • Enjoy Uber VIP status and free rides in the U.S. up to $15 each month, plus a bonus $20 in December. That can be up to $200 in annual Uber savings.
  • 5X Membership Rewards® points on flights booked directly with airlines or with American Express Travel.
  • 5X Membership Rewards points on prepaid hotels booked on amextravel.com.
  • Enjoy access to the Global Lounge Collection, the only credit card airport lounge access program that includes proprietary lounge locations around the world.
  • Receive complimentary benefits with an average total value of $550 with Fine Hotels & Resorts. Learn More.
  • $200 Airline Fee Credit, up to $200 per calendar year in baggage fees and more at one qualifying airline.
  • Get up to $100 in statement credits annually for purchases at Saks Fifth Avenue on your Platinum Card®. Enrollment required.
  • $550 annual fee.
  • Terms Apply.
  • See Rates & Fees
Terms Apply | Rates & Fees

More Info

Editorial Note: We're the Million Mile Secrets team. And we're proud of our content, opinions and analysis, and of our reader's comments. These haven’t been reviewed, approved or endorsed by any of the airlines, hotels, or credit card issuers which we often write about. And that’s just how we like it! :)

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