Monthly checklist: Credit card perks and benefits you should be using in February

Depending on how many credit cards you have, the list of benefits you should be using this month might feel overwhelming. Can you remember all of these perks without help? Maybe not.

Rather than trying to keep track of all of them on your own, we’ve compiled a monthly checklist of credit card perks and benefits you might be eligible for. This should take the guesswork out of your benefits, when they expire, and their value.

Here are some important reminders for the month of February.

American Express

There are numerous monthly credit card perks that you should be using since Amex offers many of its statement credits as monthly amounts — rather than a one-time annual benefit. It’s important to note that these values are “up to” amounts, meaning this is the maximum you will receive in statement credits. If you spend less than this amount, you will be reimbursed only for that lower amount.

Additionally, the Uber credits will disappear from your account if unused by the end of the month.

Overall, these are not benefits you can roll over for later. They are “use it or lose it” type credits.

The Platinum Card® from American Express

– Up to $12.95 Walmart+ monthly membership: Pay with your card, then receive reimbursement in statement credits.
– Up to $15 in Uber credits: This can be used for Uber rides or on Uber Eats orders in the U.S.
– Up to $20 digital entertainment credit: This can be used for the Disney Bundle, Disney+, ESPN+, Hulu, Peacock, SiriusXM, The New York Times and The Wall Street Journal.
– Two spending credits with Saks Fifth Avenue: From Jan. 1 through June 31 each year, you’ll receive up to $50 in statement credits, and you’ll also have a separate up to $50 credit from July 1 to Dec. 31 in the second half of the year.

The Business Platinum Card® from American Express

– Up to $10 wireless credits: Pay for an eligible mobile service and receive a statement credit of up to $10.
– Up to $400 in statement credits every year for Dell purchases.

American Express® Gold Card

– Up to $10 Uber credits: Like the perk on the Platinum Card, this applies to Uber rides and Uber Eats orders in the U.S.
– Up to $10 dining credits: Use your card to pay at Grubhub, The Cheesecake Factory, participating Shake Shack locations,, Goldbelly and Milk Bar to receive up to $10 monthly statement credits.

Marriott Bonvoy Brilliant® American Express® Card

– Up to $25 in monthly dining credits: This card offers monthly dining credits at restaurants worldwide.

Hilton Honors American Express Aspire Card

– Up to $200 Hilton Resorts credit per six months: Pay for eligible purchases, such as room charges and incidentals, using your Amex Aspire at participating Hilton Resorts.
– Up to $50 in flight credits per quarter: Pay for a flight directly with an airline or through and receive up to $50 in statement credits each quarter.

Hilton Honors American Express Surpass® Card

– Up to $50 Hilton credit per quarter: Receive up to $50 in statement credits each quarter on purchases charged directly with a property within the Hilton portfolio, including bookings and incidental charges.

Delta cobranded cards

Select Delta cobranded cards offer perks on a monthly basis, so a new month means you have a fresh batch of credits to use.


Chase Sapphire Reserve

– $5 DoorDash credits: When you add your Sapphire Reserve card as a payment method to your DoorDash account, Chase will add $5 in credits at the beginning of each month.
– $50 hotel credit each year when booking through the Chase travel portal.

Chase Freedom (not open to new applicants) and Chase Freedom Flex

– 5% cash back: Each quarter, you can earn 5% cash back on up to $1,500 in combined spending on rotating categories. Current categories include select grocery stores, fitness club and gym memberships, and self-care and spa services.


Citi® / AAdvantage® Executive World Elite Mastercard®

– $10 in monthly Lyft credit after three rides: Use your card as the payment method in your account and get a $10 Lyft credit after taking three rides in a month.
– Up to $10 back with Grubhub: When you use your card for Grubhub purchases, you can receive up to $10 in statement credits.

By keeping track of these monthly credit card perks and benefits, you can make sure you’re taking full advantage of all the savings and rewards available to you. Don’t let them go to waste!

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