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Q2 ends June 30. If you hold the Amex Platinum, Hilton Aspire, Hilton Business, or IHG Premier card, you have credits that expire with it. Some of these are quarterly resets; others are semi-annual. Either way, unused credits are money left on the table.
We put this checklist together so you don’t have to dig through your benefits guide every quarter. Credits expiring June 30 are highlighted in the tables below. One permanent change this period: the Amex Platinum Saks credit is ending for good after this cycle. It is not coming back.
Calendar Year vs. Cardmember Year
Before you panic about the June 30 deadline, make sure you’re looking at the right type of credit.
Calendar year credits reset on a fixed date — usually December 31 or the end of a quarter (March 31, June 30, September 30). These are the ones you need to act on now if you haven’t used them.
Cardmember year credits reset on your account anniversary — the date you opened the card. Your Capital One Venture X $300 credit doesn’t expire June 30. If you opened the card in October, it resets in October. Check your anniversary date before stressing about it.
Benefits by Issuer
American Express
Amex runs the most complex credit calendar of any issuer. Several credits reset quarterly, not annually, so missing a period is a real loss. The Hilton Aspire resort credit in particular is one of the most commonly missed: it must be charged to the folio at a qualifying resort, not paid separately. If you are not sure whether a property qualifies, check our complete map of Hilton Aspire credit-eligible resorts before you book.
- 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 | Resy Credit | $100 | Mar 31, June 30th, Sep 30th, Dec 31st | Jan-Mar, Apr-Jun, Jul-Sep, Oct-Dec |
| 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 | $150/year | Dec 31st | Yearly |
| 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 |
| Gold | Resy Credit | $50 | Mar 31, June 30th, Sep 30th, Dec 31st | Jan-Mar, Apr-Jun, Jul-Sep, Oct-Dec |
| Green | CLEAR Credit | $189 | Dec 31st | Yearly |
| Hilton Aspire | Resort Credit | $200 | 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 |
| Hilton Business | Hilton Credit | $60/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 |
Bilt
Bilt’s hotel credit applies to the Obsidian and Palladium tiers only. Both require a minimum two-night stay at a qualifying property to trigger. The semi-annual credits below expire June 30 if unused.
In addition, Bilt provides the following credits/month.
Blue/Silver Members: Up to $50 in Bilt Cash per month toward hotel bookings.
Gold/Platinum Members: Up to $100 in Bilt Cash per month.
| Card Name | Credit | Amount | Post By Date | Frequency |
|---|---|---|---|---|
| Bilt Obsidian Card | Hotel Credit | $50 | June 30th, Dec 31st | Jan-Jun, Jul-Dec |
| Bilt Palladium Card | Hotel Credit | $100 | June 30th, Dec 31st | Jan-Jun, Jul-Dec |
Bank of America
Bank of America’s travel credits are straightforward and calendar year-based. Both the Premium Rewards and Premium Rewards Elite credits reset December 31, so no action is needed this quarter unless you are close to your annual fee date.
- 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 mixes cardmember year and calendar year credits, so pay close attention to the “Post By Date” column. The Sapphire Reserve $300 travel credit is the easiest to use — it auto-applies to the first $300 in travel purchases each cardmember year, no activation needed. The Edit hotel credit and IHG TravelBank credit both run on a calendar schedule and are the ones to use before June 30 if you haven’t already. Our Chase Edit hotel map can help you find a qualifying property.
- 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) |
| Sapphire Reserve | Edit hotel credit | $250 | Dec 31st | Yearly |
| 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
Citi’s credits are all calendar year and reset December 31. Nothing expires June 30 here. The Prestige card has been discontinued for new applicants but existing cardholders still earn the $250 travel credit. If you are a Prestige holder, note that the credit applies broadly to travel purchases, not just a specific portal.
- 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. You don’t need to use it now. 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.
A Simple System for Staying on Top of This
We keep this simple: one recurring calendar reminder three days before each quarter closes. June 27, September 27, December 28. Three days gives you enough time to make a qualifying purchase without scrambling the night of. Before you spend, confirm what actually triggers the credit. It takes 60 seconds and saves the frustration of a credit that doesn’t post.
Our Take
The math on a high annual fee card only works if you use what you’re paying for. A $550 Hilton Aspire with two $250 resort credits used is a $50 net fee. The same card with one credit missed is a $300 net fee. The difference is a calendar reminder and 60 seconds of attention four times a year. If you want a framework for which cards are worth keeping based on credits alone, our reward credit card strategy guide walks through the math.
Missing something from your card? Drop it in the comments and we’ll add it to the table.
Changelog:
2024-12-23: Added Amex Platinum business $50 Hilton credit
2025-12-26: Updated list
2025-12-12: Highlighted Q1 expiration
2026-05-09: Highlighted Q2 expiration
Frequently Asked Questions
Several credits reset at the end of Q2 on June 30. These include the Amex Platinum Saks Fifth Avenue credit, the Hilton Aspire Resort credit, Bilt hotel credits, and quarterly credits like the Amex Platinum and Gold Resy credits. The Saks Fifth Avenue credit is especially important to use since it will not be offered after this period.
No. The Amex Platinum Saks Fifth Avenue credit is being discontinued after the June 30 deadline. Cardholders should use their $50 credit before it expires, as it will not reset for a Julyu2013December period.
Not necessarily. The Venture X travel credit is a cardmember year benefit, meaning it resets on your account anniversary date rather than a fixed calendar date. If you opened the card in October, for example, your credit resets in October u2014 not June 30.
A calendar year credit resets on a fixed date, such as the end of a quarter (March 31, June 30, etc.) or December 31. A cardmember year credit resets on the anniversary of when you opened the card. It is important to know which type applies to each of your cards so you do not miss a deadline.
Yes. Bilt hotel credits require a minimum two-night stay to be eligible. Blue and Silver members can use up to $50 in Bilt Cash per month toward hotel bookings, while Gold and Platinum members can use up to $100 per month.
