| Written by: ToP Staff

End Of The Month Miles & Points Checklist

Derrick used to put out an end of the month miles & points checklist to help people remember to maximize everything they had available to them. I figured I would keep the tradition going, and I was in the mood especially after yesterday's guide on cards that have spending bonuses reset each year. I will update and repost this miles and points cheat sheet towards the end of every month to ensure you don't forget anything. We will cover card perks that are ending, monthly discounts, credits, spending offers and everything in between. Update 8/22/26: The end of the month is fast approaching so make sure you didn't leave any money or points on the table.

Monthly Credit Card Credits

Here is a list of credits that expire monthly that you can get from your credit cards:

American Express

Be sure to check out our awesome American Express Platinum credit tracker sheets too.

  • Amex Gold
    • $10 monthly dining credit
    • $10 monthly Uber/UberEats credit.
    • $7 monthly Dunkin' credits
    • $50 Resy bi-annual credit by 12/31
  • Amex Platinum
    • $15 Uber/UberEats monthly credit ($35 in December)
    • $25 monthly digital entertainment credit
    • $75 Lululemon quarterly credit by 12/31
    • $100 Resy quarterly credit by 9/30
    • $200 airline incidental credit through 12/31
    • $300 Fine Hotels & Resorts or The Hotel Collection bi-annual credit by 12/31
  • Marriott Bonvoy Brilliant American Express
    • $25 monthly dining credit
  • Amex Business Platinum
    • $10 monthly U.S. wireless credit
    • $150 Dell Credit through 12/31
    • $200 airline incidental credit through 12/31
    • $50 Hilton quarterly property credit use by 9/30
    • $300 Fine Hotels & Resorts or The Hotel Collection bi-annual credit by 12/31
  • Amex Business Gold
    • $20 monthly credit at office supply stores, FedEx, or Grubhub
  • Amex Delta Gold
    • $100 Delta Stays credit through 12/31
  • Amex Delta Gold Business
    • $150 Delta Stays credit through 12/31
  • Amex Delta Platinum
    • $10 per month on U.S. rideshare
    • $10 per month on U.S. Resy restaurants
    • $150 Delta Stays credit through 12/31
  • Amex Delta Platinum Business
    • $10 per month on U.S. rideshare
    • $10 per month on U.S. Resy restaurants
    • $200 Delta Stays credit through 12/31
  • Amex Delta Reserve
    • $10 per month on U.S. rideshare
    • $20 per month on U.S. Resy restaurants
    • $200 Delta Stays credit through 12/31
  • Amex Delta Reserve Business
    • $10 per month on U.S. rideshare
    • $20 per month on U.S. Resy restaurants
    • $250 Delta Stays credit through 12/31
  • Amex Hilton Aspire
    • $50 per quarter flight credit use by 9/30
    • $200 bi-annual resort credit use by 9/30
  • Amex Hilton Surpass
    • $50 Hilton credit each quarter use by 9/30
  • Amex Hilton Business
    • $60 Hilton credit each quarter use by 9/30
Bilt

Check out our review of all 3 Bilt cards.

  • Palladium Card
    • $200 Bilt Travel Hotel credit by 12/31
  • Obsidian Card
    • $50 Bilt Travel Hotel credit by 12/31
  • Bilt Cash Redemptions
    • Up to 2X $350 credit per seat for Blade credits by 12/31
    • Up to $150 Blacklane credit by 12/31
    • Up to 2X $150 Equinox credits by 12/31
    • Monthly credits to use by 8/31
      • $100 Bilt Travel Portal Hotel Credit
      • $10 Lyft ride credit
      • $10 Grubhub credit
      • $10 Bilt Collection credit
      • $5 Bilt Home Delivery
      • Priority Pass 3rd & 4th Guest passes
      • $10 Walgreens credit
      • $40 Fitness class credit
Chase

Be sure to check out our awesome Chase Sapphire credit tracker sheet too.

  • Various Chase Cards
    • Monthly Instacart credits worth up to $20
  • Various Chase Cards
    • 10x Ultimate Rewards on Paze purchases up to $1500 spent per month through 12/31
  • Sapphire Reserve
    • $250 Edit credit x 2 through 12/31
    • $250 Chase Travel Hotel credit for select brands (including IHG and others) by 12/31
    • $150 Sapphire Reserve Exclusive Tables credit through 12/31
    • $150 StubHub or Viagogo credit through 12/31
    • $5 DoorDash Credit off restaurants
    • Also get 2x $10 credits each calendar month (if your DashPass is activated with this card) to use on DoorDash for
      • Grocery
      • Convenience
      • Or other non restaurant orders
    • $10 Lyft credit monthly
  • Sapphire Reserve for Business
    • $250 Edit credit x 2 through 12/31
    • $250 Chase Travel Hotel credit for select brands (including IHG and others) by 12/31
    • $200 ZipRecruiter credit through 12/31
    • $50 Giftcards.com through 12/31
    • $5 DoorDash Credit off restaurants
    • Also get 2x $10 credits each calendar month (if your DashPass is activated with this card) to use on DoorDash for
      • Grocery
      • Convenience
      • Or other non restaurant orders
    • $10 Lyft credit monthly
  • Sapphire Preferred
    • 1x $10 credit each calendar month (if your DashPass is activated with this card) to use on DoorDash for
      • Grocery
      • Convenience
      • Or other non restaurant orders
    • $100 Hotel credit via Chase Travel by your card anniversary
  • Freedom Flex & Freedom Unlimited
    • 1x $10 credit each quarter (if your DashPass is activated with this card) to use on DoorDash for
      • Grocery
      • Convenience
      • Or other non restaurant orders
  • United Club & Club Business
    • $12 rideshare credit monthly ($18 in December)
    • 2x $10 Instacart credits
  • Quest United Card
    • $8 rideshare credit monthly ($12 in December)
    • $10 & $5 Instacart credit monthly (must do 2 separate orders)
  • United Explorer Card
    • $5 rideshare credit monthly
    • $10 Instacart credit monthly
  • United Business Card
    • $8 rideshare credit monthly ($12 in December)
    • $10 Instacart credit monthly
Citi
  • Citi American Airlines Executive World Elite
    • $10 per monthly billing statement on eligible Grubhub purchases
  • Citi Strata Elite
    • $200 Splurge credit by 12/31 on your choice of up to 2 of the following brands (need to activate)
      • 1stDibs
      • American Airlines (exclusions apply)
      • Best Buy®
      • Future Personal Training
      • Live Nation
    • $100 Blacklane credit by 12/31
    • $300 Citi Travel Hotel credit by 12/31
  • Citi AAdvantage Globe
    • $30 in Turo credit per month (up to $240 per year)
    • $100 in Splurge credit by 12/31, valid for two of the following:
      • AAdvantage Hotel bookings
      • 1stDibs
      • Future Personal Training
      • Live Nation
    • $100 credit towards eligible in-flight purchases on American Airlines by 12/31.
End Of The Month Miles Points Checklist

End Of The Month Miles & Points Checklist: Cards That Have A Spending Bonus Or Offer

Here are some cards that have quarterly, or limited time spending offers attaches.

  • Chase Co-Branded card spending offers. More info & a link to check your cards here.
    • There are some 5X, 7X, or 9X offers or some spend $3,000 get 3,000 points or spend $6,000 get 6,000 points offers.
  • Chase Freedom Flex
    • Earn 5% (or 5X) back on up to $1500 in spend this quarter on(ending September 30, 2026)
      • Gas Stations, Public Transit, EV Charging
      • Select Live Entertainment
      • United Way
  • Discover Cards
    • Earn 5% back on up to $1500 in spend this quarter on (ending September 30, 2026)
      • Gas Stations
      • Transportation
      • Drug Stores
  • Citi Dividend
    • Earn 5% back on up to $6000 in spend each year via the quarterly categories. This is a cumulative amount so you can spend it all in one quarter or across two or three etc. (ending September 30, 2026)
      • Gas Stations
      • Home Improvement

Info on all of the 5x earning cards, and activation links, can be found here.

End Of The Month Miles & Points Checklist: ToP Thoughts

Hopefully you found this end of the month miles & points checklist useful. If it helps net you a few more points or use up some credits you would have otherwise missed then that is a win in my book. Let me know in the ToP Facebook Group or over on Twitter if you think there is something else we should add. Remember to check back at the end of the month so you don't miss out on anything.