Monthly Credit Card Checklist: Don’t Miss Out on November’s Perks

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1. Monthly Credits on Amex Cards: “Use It or Lose It”

If you hold an American Express card, many of the perks are available on a monthly basis rather than annually. Here’s a look at a few key benefits that you’ll want to take advantage of before the month ends:

• Walmart+ Membership Credit: Amex Platinum cardholders can get reimbursed for up to $12.95 in Walmart+ membership fees each month. Just make sure your card is set as the payment method.

• Uber Credits: Both the Amex Gold and Amex Platinum cards offer Uber credits—up to $15 monthly with the Platinum and up to $10 with the Gold. These credits can be used for Uber rides or Uber Eats, but remember, they won’t roll over, so spend them before the month ends.

• Entertainment Credit: Platinum cardholders can use up to $20 each month for digital subscriptions to services like Disney+, Hulu, and more. Enrollment is required, so double-check that your subscription is set up correctly.

2. Cashback and Rotating Category Bonuses: Keep Track and Activate

Many credit cards offer extra rewards on rotating categories each quarter or month, and you often need to activate them to start earning. Here’s what to know for this month:

• Chase Freedom Flex: This card offers 5% cashback in specific categories each quarter. This quarter includes popular options like PayPal, McDonald’s, and pet stores. Activate the offer and start using your card in these categories to maximize your rewards.

• Discover It: Discover’s 5% cashback categories for this quarter include Amazon and Target. Perfect timing for holiday shopping—just remember to activate it.

3. Travel Perks and Dining Credits: Plan Ahead

Certain credit cards provide credits that are specifically geared toward dining or travel, which can really add value if used wisely. Here are some perks to consider this month:

• Dining Credits on Marriott Bonvoy Brilliant and Delta Amex Cards: If you have the Marriott Bonvoy Brilliant card, you can earn up to $25 monthly in dining credits at eligible restaurants worldwide. Likewise, Delta SkyMiles Reserve cardholders can earn monthly Resy dining credits. Plan a nice dinner out and make sure you get reimbursed!

• DoorDash Credits on Chase Sapphire Reserve: This month, Sapphire Reserve cardholders receive $5 DoorDash credits, with additional credits for non-restaurant purchases like groceries. These credits add up, so take advantage if you’re ordering in or need essentials.

• Travel Credits on Amex Platinum and Hilton Aspire Cards: For travel-heavy spenders, consider using your monthly credits toward hotel stays, flights, or even in-room dining, depending on the card’s partnership. For instance, Hilton Aspire cardholders can use credits at Hilton resorts for eligible expenses.

4. Staying Organized with Expiration Dates

Perks are great—but they’re only valuable if you use them. Set a monthly reminder to activate any required benefits and check expiration dates on limited-time offers. Regularly reviewing your card perks can make sure you’re getting the full value out of every dollar spent on annual fees.

Key Takeaway

Maximizing credit card perks doesn’t have to be overwhelming. By keeping this monthly checklist in mind, you can make sure you’re fully benefiting from the rewards, credits, and bonuses your cards offer. A little planning goes a long way in making your credit cards work harder for you.

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