Checklist for October: Benefits and perks of credit cards that you should use.

Depending how many credit card you own, you might find the list of benefits that you should use this month overwhelming. Are you able to remember these benefits without any help? This will help you to know when your benefits expire and their value. This should take the guesswork out of your benefits, when they expire, and their value.

Here are some important reminders for the month of October.

American Express

There are numerous monthly 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. These values are the “up to” amount, which means that this is what you can receive as 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.

ZACH GRIFF/THE POINTS GUY

The Platinum Card from American Express

Up to $12.95 Walmart+ monthly membership

• : Pay with The Platinum Card(r) from American Express, then receive reimbursement in statement credits for one membership fee. How to sign up (subjected to automatic renewal). Plus Up Benefits do not qualify. The easiest way is to chat (online or through the Amex app; enrollment required). You can get up to $15 Uber credit by adding your Amex card as a payment option to your Uber account. This benefit is valid for Uber Eats or Uber Rides in the U.S. How to use the benefit (enrollment required).Upto $20 digital entertainment credit
• This can be used to purchase Disney Bundle, Disney+ or ESPN+. To receive the statement credit, you must enroll in advance. Here’s how to use this benefit.While not a monthly benefit, cardholders also receive two spending credits with Saks Fifth Avenue on the Amex Platinum each year. You’ll get up to $50 each year in statement credits from Jan. 1 to June 31. The second half of the calendar year will give you a credit up to $50. You must enroll in advance. These credits can be used to pay for Equinox+ memberships or any Equinox clubs (subjected to automatic renewal). This is how you can use this benefit. Enrollment is required.
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These benefits and statement credits can help offset the card’s $695 annual fee (see rates and fees).

Related: 10 things to do when you get the Amex Platinum

Apply here:

The Platinum Card(r) from American Express

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. Enrollment is required in advance.The Business Platinum Card

(r)

• from American Express doesn’t award credits at Saks or with Uber, but cardholders do receive up to $400 in statement credits every year for Dell purchases (the tentative end date of benefit is Dec. 31). The credit is divided into two parts: up to 200 credits between January and June, and up to another $200 between July to December. The second half of the calendar year can be used now. Enrollment is required in advance.

Related: 9 things to do when you get the Amex Business Platinum CardApply here: The Business Platinum Card(r) from American ExpressAmerican Express Gold Card

Use the following benefits to help offset the card’s $325 annual fee (see rates and fees):

Up to in $10 Uber credits: Like the perk on the Amex Platinum, this applies to Uber rides and Uber Eats orders in the U.S. Add your American Express

(r)

Gold Card to your Uber account as a payment method to receive this benefit — and note that it can stack with the monthly credit on the Amex Platinum if you have both cards. This is how you can use the benefit. You must enroll. You must enroll in advance. This benefit can be used in several ways. You can redeem statement credits by paying with Amex Gold at any restaurant in the U.S. that accepts Resy reservation and dining there. Enrollment is required. Enrollment is required.

• Related: Amex Gold checklist: 4 things to do when you first get the cardApply here: American Express(r) Gold CardDelta cobranded cards
• Related: How to maximize the new statement credits on the Delta Amex cardsHilton Honors American Express Aspire Card
• Up to $200 Hilton Resorts credit per six months: Use your Amex Aspire at participating Hilton Resorts to pay for eligible purchases, such as room charges and incidentals. This benefit can be split into two $200 biannual credit cards, one to use between January and June and the other to use from July to Decembre.
• Upwards of $50 per quarterPay for a flight with an airline directly or through AmexTravel.com to receive up to $50 each quarter in statement credits. The Points Guy has independently collected the information on the Hilton Aspire Card. Learn more about the Hilton Honors American Express Aspire card. Datapoints tell us you may be able to use this credit for dining and gift store purchases at a Hilton property and online Hilton gift card purchases even if you aren’t staying at a property.

Apply here:

Hilton Honors American Express Surpass(r) CardThe Hilton Honors American Express Business Card

Up to $60 Hilton credit per quarter

: Receive up to $60 in statement credits each quarter on purchases charged directly with a property within the Hilton portfolio, including bookings and incidental charges such as dining and spa services. You can get up to $25 per month in dining credits with the Marriott Bonvoy Brilliant American Express card. You don’t need to enroll for this benefit in advance — swipe your card at an eligible restaurant, and you should receive the statement credit within a few days.

Apply here:

• Marriott Bonvoy Brilliant(r) American Express(r) CardChase
• Select Chase credit cards offer perks on a monthly basis, so a new month means you have a fresh batch of credits to use.MICHAEL BROCHSTEIN/SOPA IMAGES/LIGHTROCKET/GETTY IMAGES

Chase Sapphire Reserve

$5 DoorDash credits

: When you add your Chase Sapphire Reserve

• (r) card as a payment method to your DoorDash account, Chase will add $5 in credits at the beginning of each month. If you haven’t used any of your credits in the last two months, you can carry over up to three months worth of credits. These credits are in addition to the free DashPass membership that comes with your card. Note that these credits are in addition to the card’s free DashPass membership.

$20 DoorDash non-restaurant credits: With an activated Sapphire Reserve DashPass membership, cardholders receive two promos of up to $10 off each calendar month at checkout on grocery, convenience or other non-restaurant orders on DoorDash.

Apply here: Chase Sapphire Reserve(r)

• Chase Sapphire Preferred Card$10 DoorDash non-restaurant credits

: Cardholders with an activated Chase Sapphire Preferred

(r)

• Card DashPass membership receive one promo of up to $10 off each calendar month at checkout on one grocery, convenience or other non-restaurant order on DoorDash.Cardholders can also use a $50 hotel credit each year when booking through the Chase travel portal. If you haven’t used yours yet this year, here’s how to use this benefit.

Apply here: Chase Sapphire Preferred CardChase Freedom (not open to new applicants) and Chase Freedom Flex

Up to 5% cash back

: Current categories include McDonald’s, PayPal, pet shops, veterinarian services and select charities. To earn more, you must first activate your categories. The quarter ends on Dec. 31 (and you must activate by Dec. 14), so you have until then to register and maximize these earnings.

$10 DoorDash non-restaurant credits

: Cardholders of any Chase Freedom or Slate family cards receive one promo of up to $10 off each quarter at checkout on one grocery, convenience or other non-restaurant order on DoorDash.

• Remember: Even though the Freedom and Chase Freedom Flex(r) cards are technically cash-back products, you can turn these earnings into fully transferable Ultimate Rewards points if you also have a premium Chase card like the Sapphire Preferred or Sapphire Reserve.The information for the Chase Freedom card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.Apply here: Chase Freedom Flex(r)Citi
• CHRISTOPHER DILTS/BLOOMBERG/GETTY IMAGESCiti / AAdvantage Executive World Elite Mastercard

The

Citi(r) / AAdvantage(r) Executive World Elite Mastercard(r)

• (see rates and fees) card has several benefits, including the following monthly credits:$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’ll receive up to $10 in monthly statement credits.

Citi recently devalued the annual up to $120 Avis-Budget car rental credit on this card. You can use the credit for this year and next year if you apply before July 15, 2024. Those who applied for the card from July 15, 2024, onward must prepay for their reservation to receive the credit.

• Apply here: Citi(r) / AAdvantage(r) Executive World Elite Mastercard(r)
• Citi(r) Dividend Card (not open to new applicants)5% cash back

: You can earn 5% cash back each quarter on rotating categories. Citi Dividend cardholders are able to earn up to 5% cash back in a single quarter on spending of $6,000 (then only 1% thereafter). This allows you the opportunity maximize your earnings throughout the year by choosing a quarter when the bonus categories suit you best. The Points Guy has independently collected the information on Citi Dividend. The card details on this page have not been reviewed or provided by the card issuer.

Discover

Discover it Cash Back

5% cash back

: Each quarter, you can earn 5% cash back on up to $1,500 in combined spending on rotating categories, then unlimited 1% cash back. You can activate all your categories including Amazon.com, Target and more until December 31. Amazon.com purchases that are eligible include digital downloads and Amazon Fresh orders. They also include Amazon Local Deals. Amazon Prime subscriptions. And items sold through Amazon.com marketplace by third-party sellers. Also included are purchases made in-store through Amazon Go or Amazon Fresh. The promotion excludes purchases made at Whole Foods Market, both online and in store. The Points Guy has independently collected the information for Discover it(r). The information on this page has not been provided or reviewed by the card issuer.

U.S. Bank

GEORGE FREY/BLOOMBERG/GETTY IMAGESU.S. Bank Cash+ Visa Signature Cards5% Cash Back

• : Earn 5% Cash back each quarter on combined purchases of up to $2,000 on rotating categories. Then, earn unlimited 1% cash back on all other purchases with your U.S. Bank cash+(r), Visa Signature(r) card. The bonus will only apply if you choose and activate your categories every quarter. The Points Guy has independently collected the information on U.S. Bank’s Cash+(r). The card details on this page have not been reviewed or provided by the card issuer.World Elite Mastercards
• JUSTIN SULLIVAN/GETTY IMAGES World Elite MastercardsNumerous banks issue a World Elite Mastercard. This umbrella includes the Citi Strata Premier (sm) Card

, the IHG One Rewards Premier Credit Card, and the Chase Freedom Flex. Cardholders will receive $5 in monthly credit for Lyft after three rides. This benefit runs through Sept. 30, 2025.

Up to $5 off monthly Peacock subscriptions: Use your eligible card to pay for a monthly Peacock streaming subscription and enjoy a $3 statement credit every month for Peacock Premium or a $5 statement credit every month for Peacock Premium Plus (the ad-free version). This benefit is valid until March 31, 2025. This benefit runs through March 31, 2025. This benefit runs through March 31, 2025.

Related: The 9 most valuable World Elite Mastercard benefits

• Bottom lineUsing the perks and benefits on your credit cards is critical for maximizing their value and justifying the cards’ annual fees. Other credit cards offer a single benefit that can be used each year. Some benefits are only available in monthly increments and can be forgotten.

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