pointstopictures Make sure to use up your credits by March 31st.
Q1 2025 Credit Card Quarterly Credits (Ending March 31)
| Card Name | Credit | Amount | Post By Date | Frequency |
|---|---|---|---|---|
| Business Platinum | Hilton Credit | $60/Quarter | Mar 31 | Jan-Mar |
| Business Platinum | Statement Credit | $50/Quarter | Mar 31 | Jan-Mar |
| Hilton Aspire | Airline Credit | $50/Quarter | Mar 31 | Jan-Mar |
[End of the Year Credit Card Benefits Checklist]
As the year wraps up, it’s the perfect time to review your credit cards. Many credits and rewards reset on December 31st. Now is the time to make sure you’re taking full advantage of the perks and benefits.
From travel credits to fee reimbursements, know what’s available on your cards. This post gives you a checklist for your end-of-the-year spending.
This guide breaks down the key benefits offered by major credit card issuers, including American Express, Chase, Citi, and more. Whether you’re a frequent traveler, a business owner, or just looking to make the most of your annual fees, this checklist will help you end the year on a high note.
Checklist by issuer:
Benefits by Issuer
American Express
American Express cards offer a mix of travel, lifestyle, and business perks. Here is you End-of-Year Amex Credit card Checklist.
- Platinum: Credits for airline fees, hotel bookings, Uber, and Saks Fifth Avenue.
- Gold: Big rewards on groceries and dining with annual caps.
- Green: CLEAR membership and LoungeBuddy credits for frequent travelers.
- Business Platinum: Useful for business owners, with credits for CLEAR, Adobe, Dell Credit, and wireless bills.
- Hilton Aspire: Credits for Hilton resorts and airline fees, perfect for Hilton loyalists.
| Card Name | Credit | Amount | Post By Date | Frequency |
|---|---|---|---|---|
| Platinum | Airline Incidental Credit | $200 | Dec 31st | Yearly |
| Platinum | Hotel Credit | $200 | Dec 31st | Yearly |
| Platinum | Uber Credit | $15/month; $35 in Dec | Dec 31st | Monthly |
| Platinum | Saks Fifth Avenue Credit | $50 | Dec 31st | Jan-Jun, Jul-Dec |
| Business Platinum | Dell Credit | $200/half-year | June 31st, Dec 31st | Jan-Jun, Jul-Dec |
| Business Platinum | Hilton Credit | $50/Quarter | Mar 31, June 30th, Sep 30th, Dec 31st | Jan-Mar, Apr-Jun, Jul-Sep, Oct-Dec |
| Gold | Grocery 4x Category Cap | $25,000 | Dec 31st | Yearly |
| Green | CLEAR Credit | $189 | Dec 31st | Yearly |
| Hilton Aspire | Resort Credit | $250 | June 30th, Dec 31st | Jan-Jun, Jul-Dec |
| Hilton Aspire | Airline Credit | $50/Quarter | Mar 31, June 30th, Sep 30th, Dec 31st | Jan-Mar, Apr-Jun, Jul-Sep, Oct-Dec |
| Amex Delta SkyMiles Gold | Delta Hotel Stays Credit | $150 | Dec 31st | Yearly |
| Amex Delta SkyMiles Platinum | Delta Hotel Stays Credit | $200 | Dec 31st | Yearly |
| Amex Delta SkyMiles Reserve | Delta Hotel Stays Credit | $250 | Dec 31st | Yearly |
Bank of America
Bank of America focuses on travel and lifestyle perks:
- Premium Rewards: $100 airline incidental credit annually.
- Premium Rewards Elite: Includes $300 for airline fees and $150 for services like streaming and rideshares.
| Card Name | Credit | Amount | Post By Date | Frequency |
|---|---|---|---|---|
| Premium Rewards | Airline Incidental Credit | $100 | Dec 31st | Yearly |
| Premium Rewards Elite | Lifestyle Credit | $150 | Dec 31st | Yearly |
| Premium Rewards Elite | Airline Incidental Credit | $300 | Dec 31st | Yearly |
Barclay
JetBlue Plus: Offers $100 for JetBlue Vacations annually, great for JetBlue fans.
| Card Name | Credit | Amount | Post By Date | Frequency |
|---|---|---|---|---|
| JetBlue Plus | JetBlue Vacations Credit | $100 | Dec 31st | Yearly |
Capital One
Capital One keeps it simple with travel rewards:
- Venture X: A $300 annual credit for bookings made through the Capital One travel portal. Note that this credit resets based on when you opened the card, not Dec 31st.
| Card Name | Credit | Amount | Post By Date | Frequency |
|---|---|---|---|---|
| Venture X | Travel Portal Credit | $300 | Card anniversary | Yearly (Cardmember) |
Chase
Chase cards have excellent travel benefits:
- Sapphire Reserve: $300 annual travel credit and up to $120 every four years for Global Entry, TSA PreCheck, or NEXUS.
- Sapphire Preferred: Up to $50 annually for hotel bookings made through Chase Travel.
- Hyatt and IHG Cards: Free nights and extra perks for hotel loyalists.
| Card Name | Credit | Amount | Post By Date | Frequency |
|---|---|---|---|---|
| Sapphire Reserve | Travel Credit | $300 | Card anniversary | Yearly (Cardmember) |
| Hyatt (Personal) | Additional Free Night Spend | $15,000 | Dec 31st | Yearly |
| Hyatt (Business) | Hyatt Credit | $100 | Card anniversary | Yearly (Cardmember) |
| Ritz-Carlton | Airline Incidental Credit | $300 | Dec 31st | Yearly |
| IHG Premier | United TravelBank Credit | $25/semi-annual | Jun 30th, Dec 31st | Jan-Jun, Jul-Dec |
Citi
- Prestige: $250 annual travel credit for broad travel purchases.
- Rewards+: Get 10% points back on redemptions each year.
- Premier: $100 credit for hotel bookings over $500.
- AAdvantage Cards: Airline-specific benefits like flight discounts and free bags.
| Card Name | Credit | Amount | Post By Date | Frequency |
|---|---|---|---|---|
| Prestige | Travel Credit | $250 | Dec 31st | Yearly |
| Rewards+ | 10% Points Rebate Cap | 10,000 points | Dec 31st | Yearly |
| Premier | Hotel Booking Credit | $100 | Dec 31st | Yearly |
| Expedia+ Voyager | Airline Incidental Credit | $100 | Dec 31st | Yearly |
| AAdvantage Platinum Select | Flight Discount Certificate | $125 | Dec 31st | Yearly |
| AAdvantage Executive | Avis/Budget Rentals Credit | $120 | Dec 31st | Yearly |
US Bank
Altitude Reserve: $325 travel and dining credit annually, resetting on your card anniversary. Note that this card has been discontinued for new applications.
| Card Name | Credit | Amount | Post By Date | Frequency |
|---|---|---|---|---|
| Altitude Reserve | Travel and Dining Credit | $325 | Card anniversary | Yearly (Cardmember) |
Wells Fargo
Autograph Journey: A $50 annual credit for airline purchases.
| Card Name | Credit | Amount | Post By Date | Frequency |
|---|---|---|---|---|
| Autograph Journey | Airline Purchase Credit | $50 | Card anniversary | Yearly (Cardmember) |
You can use this End-of-Year Credit Card Checklist as a guide for your credit cards. You may also print and check-off your benefits.
Smaller Banks
Smaller banks also offer some benefits:
- CNB Crystal: $350 annual airline incidental credit.
- HSBC Premier: $120 in Lyft credits every year.
- PenFed Pathfinder: $100 air travel credit annually.
| Card Name | Credit | Amount | Post By Date | Frequency |
|---|---|---|---|---|
| CNB Crystal | Airline Incidental Credit | $350 | Dec 31st | Yearly |
| HSBC Premier | Lyft Credit | $120 | Dec 31st | Yearly |
| PenFed Pathfinder | Air Travel Ancillary Credit | $100 | Dec 31st | Yearly |
Did we miss any? You can let us know in the comments below.
Changelog:
2024-12-23: Added Amex Platinum business $50 Hilton credit
