Monthly Reminders: September 2020

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In the longest year in the history of mankind, we're headed to month #10! It's officially fall, sports have returned, and it is time to finish up all those Q3 tasks! With that in mind, here are a few end of the month reminders of expiring credits and/or limited-time offers to consider (and possibly complete) before October 1.

American Express

  • Bonvoy & Bonvoy Brilliant: [Targeted] Up to 10x on spend at U.S. gas stations, U.S. restaurants, and on eligible spend at Bonvoy properties, up to $7,500 in each category, through 10/31/20.
  • Delta personal cards: [Targeted] 4x at U.S. Restaurants (including takeout and delivery) and 5x on Delta purchases. Additionally, earn 500 MQMs and 500 miles for each $1,000 in purchases, up to 25,000 MQMs and 25,000 miles, through 12/31/20.
  • Gold: $10 monthly dining credit.
  • Green: $10 monthly wireless service credit (2020 only).
  • Hilton Aspire & Surpass: [Targeted] Earn 1,000 base points per $1,000 spend, up to 30 times through 12/31/20. Also, spend $5,000 and earn a free weekend night certificate, which are now good for any night of the week.
  • Platinum: $15 Uber/UberEats credit; $20 monthly wireless service credit (2020 only); $20 monthly streaming service credit (2020 only); $50 Saks Fifth Avenue credit before 12/31/20.
  • Business Platinum: $20 monthly wireless service credit (2020 only); $20 monthly credit for shipping charges (2020 only); $100 extra Dell credits ($200 total) by 12/31/20.

 

Chase

  • Aer Lingus/Iberia/British Airways: [Targeted] up to 7x for restaurants, grocery stores, and gas stations on up to $1,500/month spending in September 2020.
  • Freedom: 5x on up to $1,500 at Amazon and Whole Foods Market through 9/30/2020. Register for Q4 categories that begin on 10/1/20.
  • Freedom Flex: 5x on up to $1,500 at Amazon and Whole Foods Market through 9/30/2020. Register for Q4 categories that begin on 10/1/20.
  • Hyatt & World of Hyatt: [Targeted] up to 5x for U.S. Supermarkets and gas stations on up to $1,500/month spending in September 2020.
  • IHG Club Select & Club Premier: [Targeted] up to 5x for U.S. Supermarkets and gas stations on up to $1,500/month spending in September 2020.
  • Sapphire Preferred: 5x on select streaming services, up to $1,500 spend through 9/30/20; 3x at gas stations, up to $1,500 through 9/30/20; 5x at Instacart, up to $3,000 spend through 9/30/20, plus up to $50 statement credits for a monthly or annual Instacart Express membership.
  • Sapphire Reserve: 10x on select streaming services, up to $1,500 spend through 9/30/20; 5x at gas stations, up to $1,500 through 9/30/20; 5x at Instacart, up to $3,000 spend through 9/30/20, plus up to $50 statement credits for a monthly or annual Instacart Express membership.
  • Southwest (all personal cards): [Targeted] up to 5x for U.S. Supermarkets and gas stations on up to $1,500/month spending in September 2020.
  • United Club, Infinite & Presidential Plus: [Targeted] up to 5x for U.S. Supermarkets and gas stations on up to $1,500/month spending in September 2020.
  • United (all other personal cards): [Targeted] up to 5x for U.S. Supermarkets and gas stations on up to $1,500/month spending in September 2020.
  • Pay Yourself BackThrough 9/30/20, use Ultimate Rewards via a CSR (1.5 cents per point) or CSP (1.25 cents per point) to redeem purchases made in the last 90 days at grocery and home improvement stores and for restaurants.

 

Discover

  • It: 5% cash-back at restaurants and PayPal, on up to $1,500 spend through 9/30/20. Register for Q4 bonus categories that begin 10/1/20.

Capital One

  • Venture & VentureOne: Use your miles to redeem purchases for restaurants (including takeout & delivery) and streaming services through 9/30/20.
  • Spark Miles & Spark Miles Select: Use your miles to redeem purchases for restaurants (including takeout & delivery) and eligible wireless phone service providers through 9/30/20.

SoFi

  • Debit card: 10% cash-back, up to $50, for groceries (including Whole Foods, Trader Joe's and Instacart) and up to $50 for streaming services (Netflix, Disney+, and Spotify) through 9/30/20.

Final Thoughts

While not everyone has all of these cards, and most cannot possibly spend enough money at the grocery store each month to maximize each limited-time bonus, it is important to weigh your options and prioritize your spend. If you have a CSR and/or a Freedom/Freedom Flex, I would maximize those cards at 5x Ultimate Rewards, which are worth 2 or more cents each (for a total return of 10% or more) over any other cards. Also, do not forget to maximize the various streaming/shipping/mobile phone credits by paying your bill with the appropriate card or splitting the bill over each card that has a credit. As always, come join us in our Facebook group to discuss more ways to earn points and save money.

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