Find your card below…then see what you need to do and know for the remainder of 2023!

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Note that I offer information about spending incentives on each card. But just because there is a spending incentive on some of your airline and hotel cards, it doesn’t mean you should take advantage of it.

I much prefer you do your heavy spending on your cards that earn FLEXIBLE REWARDS.

However, my opinion may be different if you are spending for airline or hotel status.

As always, feel free to reach out if you want to talk about your individual spending plan.

American Express Membership Rewards Cards

American Express PERSONAL Platinum

1. Shop at Saks-Did you use your $50 statement credit, which expires on 6/30? You have another $50 to spend at Saks starting July 1. Don’t forget about this! You need to make sure you are ENROLLED in this benefit and pay with your Platinum Card when you shop.

2. Think about if you can use your $200 airline fee credit-remember, Amex will make an exception and let you change your airline mid-year as long as you haven’t used any of it.

3. Keep trying to use your Uber Cash-I use mine on Uber Eats and I select “pick up” instead of delivery because I have a lot more options! Don’t forget you get $200 annually in Uber credits. The benefit is really for $15 in Uber credits every month, plus a $20 bonus in December, and no, the credit does not carry over each month. You use the monthly credit, or you lose the monthly credit. If you take advantage of this benefit, make sure you add your American Express Platinum Card as a payment method to your Uber app.

4. Have you been using your $240 Digital Entertainment Credit?-Remember, you can get $20 in statement credits per month, for a total of $240 per calendar year when you have monthly charges at Peacock, Audible, SiriusXM, The New York Times, Hulu, DisneyPlus and ESPN Plus. Enrollment is required to receive the benefit.

5. Take advantage of the $189 CLEAR Credit–I LOVE CLEAR (especially combined with TSA Pre✓)! You get up to $189 in statement credits per year after you pay for CLEAR with your Platinum Card. This is enough to cover the cost of a CLEAR membership. And DO NOT just go thru the general Clear site to register. Register as a Delta SkyMiles member with this link or as a United MileagePlus member with this link and the cost of your membership is just $149. Add family members (over 18) at $60 each. And students can get Clear for just $60. Read more here.

6. Can you take advantage of the $200 Hotel Credit? This one is tough for me to use, you? You get $200 back in statement credits each year on prepaid Fine Hotels + Resorts or The Hotel Collection bookings with American Express Travel. You need to pay with your Platinum Card.

7. Is your Global Entry/TSA Precheck expiring soon? Don’t forget about the Fee Credit for Global Entry or TSA Pre✓. You receive one Global Entry ($100) statement credit or one TSA Pre✓ ($85) statement credit every 4 years for an application fee charged to your Platinum Card. And for all card members under the Primary Platinum, you get $100 credit too. Use a separate card for each member’s application fee! Note, as soon as your birthday hits in the YEAR BEFORE EXPIRATION, you can (and should) renew.

American Express BUSINESS Platinum Card

1. Shop at Dell-Did you use your $200 statement credit, which expires on 6/30? You have another $200 to spend at Dell starting July 1. Don’t forget about this! You need to make sure you are ENROLLED in this benefit and pay with your Platinum Card when you shop. You can buy items like headphones and portable speakers.

2. Think about if you can use your $200 airline fee credit–Amex will make an exception and let you change your airline mid-year as long as you haven’t used any of it.

3. $120 Wireless Statement Credits–Have you been getting your $10/month credit? Put your phone bill on your Business Platinum card as you get $120 in statement credits per year for wireless telephone service purchases made directly with a wireless provider in the U.S. It is credited back at $10 back per month.

4. Take advantage of the $189 CLEAR Credit–I LOVE CLEAR (especially combined with TSA Pre✓)! You get up to $189 in statement credits per year after you pay for CLEAR with your Platinum Card. This is enough to cover the cost of a CLEAR membership. And DO NOT just go thru the general Clear site to register. Register as a Delta SkyMiles member with this link or as a United MileagePlus member with this link and the cost of your membership is just $149. Add family members (over 18) at $60 each. And students can get Clear for just $60. Read more here.

5. Think about if you can use your 35% rebate, and if so, select your airline-Remember, when you use the Pay with Points feature through American Express Travel for either a First or Business class flight on any airline OR for flights with your selected qualifying airline, you get 35% of your points back up to 250,000 bonus points per calendar year.

6. Do you use Indeed or Adobe? You get a $360 Indeed Credit that is credited back as $90 per quarter. You need to ENROLL. You also get a $150 Adobe Credit for purchases with Adobe on annual prepaid plans for Creative Cloud for teams and Acrobat Pro DC with e-sign.

7. Is your Global Entry/TSA Precheck expiring this year? Don’t forget about the Fee Credit for Global Entry or TSA Pre✓. You receive one Global Entry ($100) statement credit or one TSA Pre✓ ($85) statement credit every 4 years for an application fee charged to your Business Platinum Card. Note, as soon as your birthday hits in the YEAR BEFORE EXPIRATION, you can (and should) renew.

American Express Gold

1. Remember to keep using your $10 monthly dining credit-Remember to keep using your $10 monthly dining credit at (updated list) Grubhub, Seamless, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar, and participating Shake Shack locations. I have been buying a Goldbelly gift card each month. I am saving them up! You need to make sure you are ENROLLED in this benefit and pay with your Gold Card when you shop.

2. Keep trying to use your Uber Cash-I use mine on Uber Eats and I select “pick up” instead of delivery because I have a lot more options! -Don’t forget you get $120 annually in Uber credits. The benefit is really $10 in Uber credits every month, and no, the credit does not carry over each month. You use the monthly credit, or you lose the monthly credit. If you take advantage of this benefit, make sure you add your American Express Gold Card as a payment method to your Uber app.

American Express Business Gold Card

1. Where are you with your $150,000 cap in which you can earn 4 points per dollar in your 2 top monthly categories (airfare, advertising, restaurants, gas, shipping, and computer purchases)? If you hit the $150k, consider switching up your card.

2. Think about if you can use your 25% rebate, and if so, select your airline-Remember, when you use the Pay with Points feature through American Express Travel for either a First or Business class flight on any airline OR for flights with your selected qualifying airline, you get 25% of your points back up to 250,000 bonus points per calendar year.

American Express Green

1. Take advantage of the ~~$100~~ $189 CLEAR Credit–I LOVE CLEAR (especially combined with TSA Pre✓)! You get up to ~~$100~~ $189 in statement credits per year after you pay for CLEAR with your Green Card. And DO NOT just go thru the general Clear site to register. Register as a Delta SkyMiles member with this link or as a United MileagePlus member with this link and the cost of your membership is just $119. Add family members (over 18) at $60 each. And students can get Clear for just $60. Read more here.

2. Use your $100 LoungeBuddy credit this year if you can-Don’t forget, you can use your card to purchase lounge access through LoungeBuddy and receive up to $100 in statement credits per calendar year. I think this is very hard to use! I never was able to.

American Express Everyday Preferred

1. Your grocery cap reset-Have you hit your $6,000 cap in which you can earn 3 points per dollar on groceries? If yes, switch this card to a different card where you earn more than 1x reward per $1 on your grocery shopping.

American Express Blue Business

1. Have you hit your $50,000 cap in which you can earn 2 points per dollar on ALL PURCHASES? If yes, switch this card to another where you earn more than 1x per $1 on your EVERYTHING.

American Express Delta SkyMiles Cards

American Express Delta SkyMiles Platinum Card & the American Express Delta SkyMiles Platinum Business Card

1. Know you will get a companion certificate when you pay your $250 renewal fee-Don’t forget, upon renewing your card, you get a Companion Certificate valid for one round-trip Main Cabin ticket with the purchase of a round-trip fare (and taxes and fees) within the 48 contiguous United States. The primary ticket and Companion ticket must be purchased with your Delta SkyMiles Credit Card. Both passengers must be booked on the same flights and dates at the same time.

2. Do you have a companion ticket due to expire?-Note your expiration dates, and let’s be hopeful we can use these before they expire.

3. Do you need to spend on your card to achieve or maintain Delta Medallion status? – ROB BECAME A DELTA PLATINUM MEDALLION MEMBER AGAIN IN 2023-YAY. 🙂 Note that If in any calendar year, you spend $25,000 or more on the card, you will be awarded 10,000 Medallion Qualification Miles (MQMs), and if in that same calendar year, you spend $50,000 or more, you will be awarded an additional 10,000 MQMs. In addition, the MQDs requirement for Silver, Gold, and Platinum status will be waived if you make $25,000 or more in eligible purchases in that year with your card. For Diamond, the MQD waiver is $250,000. Yikes!

4. Need to renew TSA Pre√ or Global Entry?-You get a statement credit of up to $100 every 4 years as reimbursement for the application fee charged to your card for Global Entry or TSA Pre√. Note, as soon as your birthday hits in the YEAR BEFORE EXPIRATION, you can (and should) renew.

American Express Delta SkyMiles Reserve Card & the American Express Delta SkyMiles Reserve Business Card

1. Know you will get a companion certificate (a first-class one!) when you pay your renewal fee-Don’t forget, upon renewing your card, you receive a Domestic First Class, Delta Comfort+, or Domestic Main Cabin round-trip companion certificate valid for one round-trip ticket with the purchase of a round-trip fare (and taxes and fees) within the 48 contiguous United States. The primary ticket and Companion ticket (taxes and fees) must be purchased with your Delta Reserve Credit Card. Both passengers must be booked on the same flights and dates at the same time.

2. Do you have a companion ticket due to expire?-Note your expiration dates, and let’s be hopeful we can use these before they expire.

3. Do you need to spend on your card to achieve or maintain Delta Medallion status? -ROB BECAME A DELTA PLATINUM MEDALLION MEMBER AGAIN IN 2023-YAY. :-). Note that If in any calendar year, you spend $30,000 or more on the card, you will be awarded 15,000 Medallion Qualification Miles (MQMs); you can do this up to 4 times. In addition, the MQDs requirement for Silver, Gold, and Platinum status will be waived if you make $25,000 or more in eligible purchases in that year with your card. For Diamond, the MQD waiver is $250,000. Yikes!

American Express Hilton Honors Cards

Hilton Honors American Express Aspire Card

1. Know you will get a free night reward when you pay your renewal fee-this free night can be used at almost all Hiltons, even some of their higher-end properties. I have used mine at the Grand Wailea in Maui and at the Waldorf in Park City, and the Waldorf in Beverly Hills 2x, amazing uses of my free nights!

2. Do you have any free nights currently due to expire?-Note your expiration dates, and let’s be hopeful we can use these before they expire.

3. Think about if you can use your $250 resort credit-You receive a $250 HILTON RESORT STATEMENT CREDIT for eligible purchases at participating Hilton Resorts. These purchases can include room rates. Incidental charges (including charges made at restaurants, spas, and other establishments within the hotel property) must be charged to your room and paid for with your Hilton Honors American Express Aspire Card at checkout for them to be recognized as Hilton Resort purchases.

4. Think about if you can use your $250 airline fee credit-You receive a $250 AIRLINE FEE CREDIT for incidental fees charged by your selected airline to your card each calendar year. Amex will make an exception and let you change your airline mid-year as long as you haven’t used any of it.

5. Spend $60K and earn another Free Night Reward– Are you close to $60,000 on purchases on your card in 2023? Know that when you hit $60k of spend, you will earn ANOTHER free night reward.

Hilton Honors American Express Surpass Card

1. Spend $15K and earn a Free Night Reward-Are you close to $15,000 on purchases on your card in 2023? Know that when you hit $15k of spend, you will earn a free night reward.

Hilton Honors American Express Business Card

1. Spend $15K/$60K and earn 2 Night Rewards– Are you close to this? You will have the ability to earn a Free Night Reward after spending $15,000 on purchases on your card in a calendar year and a second reward night after you spend $60,000 in a calendar year.

American Express Marriott Bonvoy Cards

Marriott Bonvoy American Express Card

1. Know you will get a free night award after your card account anniversary-This free night can be used for one night (redemption level at or under 35,000 points) at a participating hotel. Bonvoy is now allowing members to add up to 15,000 points to this Free Night Certificate, so you can look for properties up to 50k points per night.

2. Do you have any free nights currently due to expire?-Note your expiration dates. Do you have any nights due to expire? Rumor has it that if you call Bonvoy at the beginning of the month that your Free Night is due to expire, they will extend it. Let me know if you try and the outcome!

3. Do you have any Suite Night Awards (usually earned with status) currently due to expire?-Note your expiration dates.

Marriott Bonvoy Bevy American Express Card

1. Are you close to this? Spend $15K and earn a Free Night Award-If, in any calendar year, you spend $15,000, you will receive a Free Night Award up to 50,000 Marriott Bonvoy Points. Bonvoy is now allowing members to add up to 15,000 points to this Free Night Certificate, so you can look for properties up to 65k points per night.

Marriott Bonvoy Brilliant American Express Card

1. Know you will get a free night award after your card account anniversary-This free night can be used for one night (redemption level at or under 85,000 points) at a participating hotel. Bonvoy is now allowing members to add up to 15,000 points to this Free Night Certificate, so you can look for properties up to 100k points per night.

3. $300 resort credit-Hopefully you all know that your $300 Resort credit was changed in September 2022 to a $25 per month dining credit. Make sure you use it!

4. Do you have any Suite Night Awards (usually earned with status) currently due to expire?-Note your expiration dates.

5. Need to renew TSA Pre√ or Global Entry?-You get a statement credit of up to $100 every 4 years as reimbursement for the application fee charged to your card for Global Entry or TSA Pre√. Note, as soon as your birthday hits in the YEAR BEFORE EXPIRATION, you can (and should) renew.

Marriott Bonvoy Business American Express Card

2. Do you have any free nights currently due to expire?-Note your expiration dates.

3. Are you close to this? Spend $60K and earn a Free Night Award-If, in any calendar year, you spend $60,000, you will receive a Free Night Award up to 35,000 Marriott Bonvoy Points. Bonvoy is now allowing members to add up to 15,000 points to this Free Night Certificate, so you can look for properties up to 50k points per night.

American Express Cash Back Cards

American Express Blue Cash Preferred Card

1. Have you hit your $6,000 cap in which you can earn 6% CASH BACK per dollar at supermarkets? If yes, switch this card to a different card where you earn more than 1% or 1x reward per $1 on your grocery shopping.

American Express Blue Cash Everyday Card

1. Have you hit your $6,000 cap in which you can earn 3% CASH BACK per dollar at supermarkets? On gas? On U.S. Online Retail Purchases? If yes, switch this card to a different card where you earn more than 1% or 1x reward per $1 on your spending on these categories.

American Express Blue Business Cash Card

1. Have you hit your $50,000 cap in which you can earn 2% back on ALL PURCHASES? If yes, switch this card to another where you earn more than 1% or 1x per $1 on your EVERYTHING.

Chase Ultimate Rewards Cards

Chase Sapphire Reserve and the J.P. Morgan Reserve Visa Infinite Card

1. $300 Annual Travel Credit-Confirm you have gotten this credit. Remember, each anniversary, you automatically receive up to $300 in statement credits as reimbursement for travel-related purchases charged to your card.

2. Need to renew TSA Pre√ or Global Entry?-You get a statement credit of up to $100 every 4 years as reimbursement for the application fee charged to your card for Global Entry or TSA Pre√. Note, as soon as your birthday hits in the YEAR BEFORE EXPIRATION, you can (and should) renew.

3. Points worth 1.5 cents-Don’t forget, points are worth 1.5 cents per point when redeeming for travel, and they transfer to most partners at the rate of 1:1.

4. Pay Yourself Back-Currently, you can redeem your points for purchases at gas stations, grocery stores and for your annual fee at 1.25 cents per point thru September 30, 2023 (for charges posted thru June 30).

Chase Sapphire Preferred Card

1. $50 Hotel statement credit-Each ANNIVERSARY year, you get a statement credit when you use your card for hotel accommodation purchases made through the Ultimate Rewards program.

2. 10% Anniversary Points Boost-Each account anniversary, you’ll earn bonus points equal to 10% of your total purchases made the previous year. That means if you spend $25,000 on purchases, you’ll get 2,500 bonus points.

3. Points worth 1.25 cents-Don’t forget, points are worth 1.25 cents per point when redeeming for travel, and they transfer to most partners at the rate of 1:1.

4. Pay Yourself Back-Currently, you can redeem your points for purchases at gas stations, grocery stores and for your annual fee at 1 cent per point thru September 30, 2023 (for charges posted thru June 30).

Chase Ink Business Preferred

1. Have you hit your $150K cap in which you can earn 3 points per dollar on travel, shipping, advertising purchases made with social media sites and search engines, internet, cable, and phone services? If yes, switch this card to a different card where you earn more than 1x reward per $1 on your spending on these categories.

2. Points worth 1.25 cents-Don’t forget, points are worth 1.25 cents per point when redeeming for travel, and they transfer to most partners at the rate of 1:1.

Chase Ink Business Plus (old card version)

1. Have you hit your $50K cap in which you can earn 5 points per dollar on office supply stores and on cellular phone, landline, internet, and cable TV? If yes, switch this card to a different card where you earn more than 1x reward per $1 on your spending on these categories.

2. Points worth 1.25 cents-Don’t forget, points are worth 1.25 cents per point when redeeming for travel and they transfer to most partners at the rate of 1:1.

Chase Freedom Cards

Chase Freedom Unlimited

1. Remember your multipliers-You get 3x points per $1 at restaurants and drug stores. You get 1.5x points per $1 on all other purchases.

2. Remember to keep moving your Freedom points to your more lucrative Sapphire buckets periodically-email me if you need to be reminded of the steps.

Chase Freedom Flex and the old version Chase Freedom Card

1. Continue using it on your 2nd quarter categories where you get 5% back at Amazon and Lowe’s as long as you are not at $1500. Watch for my email about the 5% categories for the 3rd quarter. Make sure you activate. Do that here- Get Your Bonus.

2. Remember to keep moving your Freedom points to your more lucrative Sapphire buckets periodically-email me if you need to be reminded of the steps.

Chase United Airline Cards

Chase United Explorer Visa

1. Two United Club passes every year for your anniversary-Make sure you get your two one-time-use passes to the United Club each year for your Cardmember anniversary.

2. Do you need to spend on your card to achieve or maintain United MileagePlus Premier status?-Remember, you can earn 500 PQP towards United Premier status for every $12,000 in card spend, up to 1,000 PQP in a calendar year, which can be applied up to 1K status. Are you close?

3. Need to renew TSA Pre√ or Global Entry?-You get a statement credit of up to $100 every 4 years as reimbursement for the application fee charged to your card for Global Entry or TSA Pre√. Note, as soon as your birthday hits in the YEAR BEFORE EXPIRATION, you can (and should) renew.

4. Do you also have a Chase United Business card?-If your anniversary hit, you should have gotten 5,000 Anniversary Bonus Miles because you have both this personal Card and the Chase United Business card below.

Chase United Club Infinite Card

1. Do you need to spend on your card to achieve or maintain United MileagePlus Premier status?-Remember, you can earn 500 PQP towards United Premier status for every $12,000 in card spend, up to 8,000 PQP in a calendar year, which can be applied up to 1K status. Are you close?

Chase United Business Visa

1. Two United Club passes every year for your anniversary-Make sure you get your two one-time-use passes to the United Club each year for your card member anniversary.

3. Do you also have a Chase United Explorer card?-If your anniversary hit, you should have gotten 5,000 Anniversary Bonus Miles because you have both this business Card and the Chase United Explorer card above.

4. $100 United Annual Travel Credit-Are you aware of this? Each anniversary year that you make seven (7) United flight travel-related purchases, each totaling $100 or more, with your United Business Card, you will receive a $100 statement credit. United flight travel-related purchases include seat upgrades, inflight food, beverages, and Wi-Fi; baggage service charges or other United fees.

Chase United Quest Card

1. Do you need to spend on your card to achieve or maintain United MileagePlus Premier status?-Remember, you can earn 500 PQP towards United Premier status for every $12,000 in card spend, up to 6,000 PQP in a calendar year, which can be applied up to 1K status. Are you close?

2. $125 Annual United Purchase Credit-Have you received this? You receive up to $125 in statement credits each account anniversary year as reimbursement for United purchases charged to your card.

3. Two 5,000-Mile Anniversary Award Flight Credits-Each anniversary year, you’ll get 5,000 miles back in your MileagePlus account after you take a United or United Express-operated award flight booked with your miles – up to 2 times every anniversary year.

Chase Southwest Airline Cards

Chase Southwest Airlines Rapid Rewards Premier Card

1. Anniversary Points-Has your anniversary hit? If yes, have you received your 6,000 points?

2. Have you used this? Pay for Two Early Bird Check-Ins Each Year-Each anniversary year, you will be reimbursed for the purchase of up to 2 EarlyBird Check-In services made with your card.

3. Do you need to achieve or maintain A-List or A-List Preferred Status?-You receive 1,500 TQPs for every $10,000 in purchases on your card.

4. COMPANION PASS-How many Companion Pass Qualifying Points do you have right now? Are you close to ~~125k~~ 135k?

Chase Southwest Rapid Rewards Priority Card

1. Anniversary Points-Has your anniversary hit? If yes, have you received your 7,500 points?

2. Have you been able to use your $75 Travel Credit?-You get a $75 Southwest annual travel statement credit when you use your card for purchases (excluding Upgraded Boardings and inflight purchases), up to $75.

3. Have you used this? Pay for up to 4 Upgraded Boardings-Each anniversary year, you will be reimbursed for the purchase of up to 4 Upgraded Boardings which are positions A1-A15.

4. Do you need to achieve or maintain A-List or A-List Preferred Status?-You receive 1,500 TQPs for every $10,000 in purchases on your card.

5. COMPANION PASS-How many Companion Pass Qualifying Points do you have right now? Are you close to ~~125k~~ 135k?

Chase Southwest Airlines Rapid Rewards Plus Card

1. Anniversary Points-Has your anniversary hit? If yes, have you received your 3,000 points?

2. Have you used this?–Pay for Two Early Bird Check-Ins Each Year-Each anniversary year, you will be reimbursed for the purchase of up to 2 EarlyBird Check-In services made with your card.

3. COMPANION PASS-How many Companion Pass Qualifying Points do you have right now? Are you close to ~~125k~~ 135k?

Chase Southwest Airlines Rapid Rewards Premier Business Card

1. Anniversary Points-Has your anniversary hit? If yes, have you received your 6,000 points?

2. Have you used this? Pay for Two Early Bird Check-Ins Each Year-Each anniversary year, you will be reimbursed for the purchase of up to 2 EarlyBird Check-In services made with your card.

3. Do you need to achieve or maintain A-List or A-List Preferred Status?-You receive 1,500 TQPs for every $10,000 in purchases on your card.

4. COMPANION PASS-How many Companion Pass Qualifying Points do you have right now? Are you close to ~~125k~~ 135k?

Chase Southwest Airlines Rapid Rewards Performance Business Card

1. Anniversary Gift-Has your anniversary hit? If yes, have you received your 9,000 points?

2. Have you used this? Pay for up to 4 Upgraded Boardings-Each anniversary year, you will be reimbursed for the purchase of up to 4 Upgraded Boardings which are positions A1-A15.

3. Do you need to achieve or maintain A-List or A-List Preferred Status?-You receive 1,500 TQPs for every $10,000 in purchases on your card.

5. Benefit which could come in handy, $500 Fee Credit For Points Transfers-When you use your card to transfer points to another Rapid Rewards Member, fees associated with the transfer will be reimbursed – up to $500 in statement credits per anniversary year.

6. COMPANION PASS-How many Companion Pass Qualifying Points do you have right now? Are you close to ~~125k~~ 135k?

Chase Other Airline Cards

Chase British Airways Visa Signature

1. Travel Together Ticket–Are you working on this? If yes, where are you with your spending? If you want to secure a Travel Together Ticket, your $30,000 purchase requirement has been reset.

2. Reward Flight Statement credits-Don’t forget, if you pay the taxes and fees (on reward flights) with your card, you’ll automatically receive a statement credit of $100 for an economy or premium economy booking or $200 for a business or first class booking. You can get one statement credit per reservation, up to 3 times per calendar year.

Chase Aeroplan Card

1. 500 Monthly Bonus Points-Have you been getting this? Know you will earn 500 bonus points for each $2,000 spent each calendar month on up to $6,000 in purchases (for a possible total of 1,500 bonus points each calendar month).

2. Need to maintain Aeroplan 25K Status?-Keep your Aeroplan 25K Status with $15,000 in account spend during a calendar year.

3. Need to renew TSA Pre√ or Global Entry?-You get a statement credit of up to $100 every 4 years as reimbursement for the application fee charged to your card for Global Entry or TSA Pre√. Note, as soon as your birthday hits in the YEAR BEFORE EXPIRATION, you can (and should) renew.

Chase Iberia Visa Signature Card

1. Discount Voucher–Are you working on this? Where are you with spending? Earn a discount voucher of $1,000 to use toward two tickets on the same flight for each year you make purchases of $30,000 on your card.

Chase Aer Lingus Visa Signature Card

1. Companion Ticket–Are you working on this? Where are you with spending? Every calendar year, you make $30,000 in purchases on your card, you’ll receive an economy companion ticket good for 12 months. The Companion Ticket will be in the form of a voucher that can be redeemed by a Cardmember for an economy companion ticket with a PAID economy flight.

Chase Bonvoy Cards

Chase Marriott Bonvoy Boundless Card

2. Do you have any free nights currently due to expire?-Note your expiration dates.

3. Gold Elite Status by spending $35K-If you are going for this, where are you with spending? If you happen to spend at least $35,000 on your card, you will qualify for Gold Elite Status through December 31 of the following year. (IMO-Gold status is just eh).

4. Elite night credits for spending-If you are going for status; know that you get 1 Elite credit for every $5,000 spent on your card during your anniversary year.

Chase Marriott Bonvoy Bountiful Card

1. Have you hit your $15,000 cap in which you can earn 4 points per dollar on groceries and dining COMBINED? If yes, switch this card to a different card where you earn more than 1x reward per $1 on these categories.

2. Are you close to this? Spend $15K and earn a Free Night Award-If, in any calendar year, you spend $15,000, you will receive a Free Night Award up to 50,000 Marriott Bonvoy Points. Bonvoy is now allowing members to add up to 15,000 points to this Free Night Certificate, so you can look for properties up to 65k points per night.

3. Do you have any free nights currently due to expire?-Note your expiration dates.

4. Gold Elite Status by spending $35K-If you are going for this, where are you with spending? If you happen to spend at least $35,000 on your card, you will qualify for Gold Elite Status through December 31 of the following year. (IMO-Gold status is just eh).

Chase Marriott Bonvoy Premier Card (old card version)

1. Know you will get a free night award after your card account anniversary-This free night can be used for one night (redemption level at or under 25,000 points) at a participating hotel. Bonvoy is now allowing members to add up to 15,000 points to this Free Night Certificate, so you can look for properties up to 40k points per night.

2. Do you have any free nights currently due to expire?-Note your expiration dates.

3. Elite night credits for spending-If you are going for status; know that you get 1 Elite credit for every $3,000 spent on your card during your anniversary year.

Chase Marriott Rewards Premier Business Credit Card (old card version)

2. Do you have any free nights currently due to expire?-Note your expiration dates.

Chase Ritz-Carlton Rewards Visa Infinite Credit Card

2. Do you have any free nights currently due to expire?-Note your expiration dates.

3. Do you have any Club Level upgrades currently due to expire?-Note your expiration dates. You can use these on stays up to 7 nights at a Ritz-Carlton with a club level.

4. $300 Annual Travel Credit-Have you been able to use this? Make sure to use your $300 annual calendar year travel credit that you can use for seat upgrades, baggage fees, and preferred lounge memberships or passes, etc. Unlike with other cards at this level, you must use the card for the prior purchases and call 1-855-896-2222 after using your card to apply the credit. (AKA annoying!)

5. $100 Hotel Credit-Have you been able to use this? Try to use your $100 credit that you get for qualifying dining, spa, or other hotel recreational activities. You can use the credit with any paid stay at The Ritz-Carlton of two nights or more. Advance reservations are required. You need to call to reserve your Hotel Credit at 1-800-542-8680.

6. Achieve Platinum Elite Status via spending–If you are going for this, where are you with spending? You get Gold Elite status in the Ritz-Carlton Rewards program each account anniversary year, and remember, you can achieve Platinum Elite Status if you spend $75,000 on purchases each account year.

7. Need to renew TSA Pre√ or Global Entry?-You get a statement credit of up to $100 every 4 years as reimbursement for the application fee charged to your card for Global Entry or TSA Pre√. Note, as soon as your birthday hits in the YEAR BEFORE EXPIRATION, you can (and should) renew.

Chase Hyatt Cards

Chase World Of Hyatt Credit Card

1. Free night upon your anniversary-You receive 1 free night every year after your cardmember anniversary at any Category 1-4 property.

2. Do you have any free nights currently due to expire?–Note your expiration dates.

3. Do you need to spend on your card to achieve or maintain World Of Hyatt elite status?-Are you going for this? I AM! You receive 5 qualifying night credits towards your next tier status every year.Same page link to Offer Details Plus, 2 additional qualifying night credits toward your next tier status every time you spend $5,000 on your card.

4. Spend $15K for an extra free night–Are you close to this? Receive an extra free night at any Category 1–4 Hyatt hotel or resort if you spend $15,000 during your cardmember anniversary year. Note your expiration dates.

Chase World Of Hyatt Business Credit Card

1. $100 in Hyatt Credits Each Anniversary Year-Have you been able to use this? Try to use this benefit where if you spend $50 or more at any Hyatt property, you earn $50 statement credits up to two times each anniversary year.

2. Do you need to spend on your card to achieve or maintain World Of Hyatt elite status?-You’ll earn 5 tier qualifying night credits for every $10K you spend in a calendar year.

3. Make sure you get your 10% Redemption bonus if you qualify-Are you getting this if this applies to you? If you spend $50,000 in a calendar year, you get 10% of your redeemed points back for the rest of the year on up to 200,000 points redeemed.

Chase IHG Cards

Chase IHG Rewards Club Premier Credit Card

1. Free night upon your anniversary-You receive 1 free night every year after your cardmember anniversary, redeemable at properties up to 40,000 IHG Rewards points.

2. Do you have any free nights currently due to expire?–Note your expiration dates.

3. Fourth Night Free-When planning, remember that for each standard room reward night stay of 4 or more nights, every 4th night is free.

4. 10,000 anniversary bonus points for spending $20k– Does this apply to you? If you happen to spend at least $20,000 during your anniversary year (and one additional purchase), you will receive 10,000 bonus points.

Chase IHG Rewards Premier Business Credit Card

1. Free night upon your anniversary-You receive 1 free night every year after your cardmember anniversary, redeemable at properties up to 40,000 IHG Rewards points.

2. Do you have any free nights currently due to expire?–Note your expiration dates.

3. Spend $60K and earn a Free Night Reward-Are you close to $60,000 on purchases on your card in 2023? Know that when you hit $60k of spend, you will earn a free night reward.

4. Fourth Night Free-When planning, remember that for each standard room reward night stay of 4 or more nights, every 4th night is free.

5. 10,000 anniversary bonus points for spending $20k– Does this apply to you? If you happen to spend at least $20,000 during your anniversary year (and one additional purchase), you will receive 10,000 bonus points.

6. $50 in United TravelBank Cash-You can earn up to $50 in United TravelBank Cash each calendar year – specifically, $25 in TravelBank Cash given every January and July. You need to register your card with your United MileagePlus account to get the cash. And note expiration dates, the January cash expires on July 15th, and the July cash expires on January 15th.

Chase IHG Rewards Club Traveler Credit Card

1. Gold Elite Status for spending $10k–If you are going for this, where are you with spending? If you happen to spend at least $10k during the calendar year, you will get IHG Gold Elite Status.

2. Fourth Night Free-When planning, remember that for each standard room reward night stay of 4 or more nights, every 4th night is free.

Capital One Venture and Spark Miles Cards

Venture X Rewards Card

1. $300 Annual Travel Credit-Have you used this yet? Make sure to use the annual $300 back as statement credits for bookings through Capital One Travel. This credit is based on your cardmember year and the credit can be a single credit if the purchase is greater than or equal to $300 or in multiple statement credits until the total purchases are greater than or equal to $300.

2. Anniversary Bonus-Make sure you get your 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary.

3. Access the new Capital One Lounges-Right now, there is just one lounge in Dallas, but Capital One plans to open more.

5. LOUNGE BENEFITS--Know you can now access all the lounges run by the Plaza Premium Group. Here is the list of all the lounges you can enter. Capital One Eligible Lounges | Plaza Premium Lounge. You can also bring in 2 guests for free.

Also, if you have authorized users on the account (which is free, there are no additional cardholder fees), they, as additional card members, have the same lounge access AND get 2 guests too. So if you are a family of more than 3, you should definitely add a FREE additional user if you foresee wanting to gain lounge access as a family.

Venture Rewards Card

1. CAP ONE LOUNGES– Get 2 free visits per year to the new Capital One Lounges-Right now, there is just one lounge in Dallas, but Capital One plans to open more.

3. OTHER LOUNGE BENEFIT-Know you receive two complimentary visits per year to Plaza Premium Lounges or Capital One Lounges. You can pass these 2 annual visits to your authorized users or account managers. You can also use both at the same time if you want to bring in a guest with you for free.

After your 2 free annual visits, you can purchase lounge passes at a discounted rate of $45 (for all other people, it is $65).

Capital One Spark Miles Business Card

1. CAP ONE LOUNGES–Get 2 free visits per year to the new Capital One Lounges-Right now, there is just one lounge in Dallas, but Capital One plans to open more.

After your 2 free annual visits, you can purchase lounge passes at a discounted rate of $45 (for all other people, it is $65).

Citibank ThankYou Cards

Citi ThankYou Premier

1. Remember your multipliers too-Don’t forget you get 3x ThankYou Points on supermarkets, restaurants, air travel, hotels and gas stations.

2. $100 Annual Hotel Savings-Have you been able to use this? Don’t forget you receive $100 off a single hotel stay of $500 or more, excluding taxes and fees, once per calendar year. You need to book the stay through thankyou.com or 1-800-THANKYOU, pay with your Citi Premier Card, ThankYou Points, or a combo, and receive $100 off instantly at checkout.

Citi ThankYou Prestige

1. $250 Statement Credit For Travel Purchases-Don’t forget you get a $250 statement credit for travel purchases.

2. Complimentary 4th night resets-DONT FORGET THIS! You can get a complimentary free night at any hotel of your choice after a minimum 4-consecutive-night booking if you book through ThankYou.com. Unfortunately, this benefit is now capped at 2 times each calendar year.

3. Need to renew TSA Pre√ or Global Entry?-You get a statement credit of up to $100 every 5 years as reimbursement for the application fee charged to your card for Global Entry or TSA Pre√. Note, as soon as your birthday hits in the YEAR BEFORE EXPIRATION, you can (and should) renew.

Citibank Rewards+ Card

1. 10% Points Back on Redemptions-Are you getting this? Know you get 10% Points Back for the first 100,000 ThankYou Points you redeem per year.

Citibank American Airlines AAdvantage Cards

Citi / AAdvantage Platinum Select World Elite MasterCard

1. Spend $20k and get a flight discount-If you happen to spend $20,000 or more in purchases during your card membership year and renew your card, you will earn a $125 American Airlines Flight Discount. The Flight Discount expires one year from the date of issue of the certificate.

2. Spend on your card if you want American AAdvantage status-Now, you will earn one Loyalty Point (the measure to earn status) for every one eligible AAdvantage mile earned from purchases using your credit card.

CitiBusiness/AAdvantage Platinum Select World MasterCard

1. Spend $30k and get a companion certificate-If you happen to spend $30,000 or more in purchases during your card membership year and renew your card, you will earn a Companion Certificate. The certificate will be valid for one year from issue.

Citi Executive AAdvantage Card

1. Spend on your card if you want American AAdvantage status-Now, you will earn one Loyalty Point (the measure to earn status) for every one eligible AAdvantage mile earned from purchases using your credit card.

2. Need to renew TSA Pre√ or Global Entry?-You get a statement credit of up to $100 every 5 years as reimbursement for the application fee charged to your card for Global Entry or TSA Pre√. Note, as soon as your birthday hits in the YEAR BEFORE EXPIRATION, you can (and should) renew.

Barclays Bank Arrival Cards

Barclays Arrival Plus World Elite MasterCard and Barclays Arrival World MasterCard

1. 5% Mileage Redemption–Watch for this if this applies to you. With these cards, you book the travel you want with the card and then choose any travel purchase within the last 120 days and redeem your miles for a travel statement credit toward all or a portion of your travel purchases. Every time you redeem for travel statement credits, you get 5% of your miles back into your account.

Barclays Bank American Airlines Aviator Cards

AAdvantage Aviator Business MasterCard

1. 5% Mileage bonus–If this applies to you, make sure you are getting this. After your account anniversary, make sure you get a 5% American Airlines AAdvantage mileage bonus based on the total number of miles earned using your card.

2. Companion Certificate–Where are you with spending? Are you close? Each anniversary year, earn a Companion Certificate good for 2 guests at $99 each (plus taxes and fees) after spending $30,000 on purchases, and your account remains open for 45 days after your anniversary date.

Barclays Bank AAdvantage Aviator Silver MasterCard

1. Need to renew TSA Pre√ or Global Entry?-You get a statement credit of up to $100 every 5 years as reimbursement for the application fee charged to your card for Global Entry or TSA Pre√. Note, as soon as your birthday hits in the YEAR BEFORE EXPIRATION, you can (and should) renew.

2. Companion Certificate–Where are you with spending? Are you close? Each anniversary year, earn a Companion Certificate good for 2 guests at $99 each (plus taxes and fees) after spending $20,000 on purchases, and your account remains open for 45 days after your anniversary date.

Barclays Bank AAdvantage Aviator Red World Elite MasterCard

1. 10% Redemption–Are you getting this? With this card, you earn 10% of your redeemed AAdvantage miles back.

2. Companion Certificate–Where are you with spending? Are you close? Each anniversary year, earn a Companion Certificate good for 2 guests at $99 each (plus taxes and fees) after spending $20,000 on purchases, and your account remains open for 45 days after your anniversary date.

Barclays Bank JetBlue Airline Cards

JetBlue Plus MasterCard and JetBlue Business MasterCard

1. 5,000 Anniversary points-Make sure that you get 5,000 TrueBlue bonus points on your account anniversary (as long as your Account remains open and in good standing).

2. Mosaic Status CHANGE TO QUALIFYING AND IT’S BETTER!-JetBlue TrueBlue now tracks your status with “Tiles,” and you need 50 to get to Mosaic 1 (kinda the same thing as the old Mosaic status). They also threw in other levels -Mosaic 2 (100 Tiles) and 3 (150 Tiles), and 4 (250 Tiles). The higher the status number, the more perks.

You get 1 Tile for every $100 you spend on JB flights. You get 1 Tile for every $1,000 you spend on your JetBlue credit card. (So this part is kind of the same-if you spend $50k with no flying you are Mosaic 1).

So any COMBO of the above will get you status. This is the biggest change as before now; you used to have to earn Mosaic status by meeting the qualifications for EITHER flying or spending.

3. With the cards, you earn 10% of your redeemed JetBlue miles back. If this applies to you, make sure you are getting this.

Barclays Bank Other Airline Cards

Hawaiian Airlines World Elite MasterCard

1. Know that you get a $100 discount on a companion ticket on your acct anniversary–Have you gotten this,received and can you use this? Earn a one hundred dollar ($100) discount off one coach companion ticket on each credit card account anniversary, which is valid for 12 months from your account anniversary.

Hawaiian Airlines World Elite Business MasterCard

1. Spend $50K/$100K for 20,000/40,000 Miles-Does this apply to you? Earn 20,000 bonus HawaiianMiles on your account anniversary with $50K-$99K in annual spend or 40,000 bonus HawaiianMiles with $100K or more in annual spend.

Emirates Skywards Premium World Elite Mastercard

1. Keep Your Gold Tier Status After The First Year–Does this apply to you? You can maintain your status by spending $40,000 each card membership year. Check out some of the benefits of Gold status.

2. Earn anniversary bonus Skywards Miles-Does this apply to you? You can earn 10,000 anniversary miles after spending $30,000 each card membership year.

Emirates Skywards Rewards World Elite Mastercard

1. Keep Your Silver Tier Status After The First Year–Does this apply to you? You can maintain your status by spending $20,000 each card membership year. Check out some of the benefits of Silver status.

Barclays Bank Hotel Cards

Wyndham Rewards Earner+ Card

1. Anniversary Points-Have you received this? Earn 7,500 bonus points after paying the renewal annual fee in full within the first 90 days of the Card Account anniversary date.

Wyndham Rewards Earner Card

1. Anniversary Points-Have you received this? If you spend $15,000 in your cardmember year, you will earn 7,500 bonus points after paying the renewal annual fee.

Wyndham Rewards Earner Business Card

1. Anniversary Points-Have you received this? Earn 15,000 bonus points after paying the renewal annual fee in full within the first 90 days of the Card Account anniversary date.

Bank Of America Cards

Bank Of America Premium Rewards Credit Card

1. Think about if you can use your annual $100 airline travel credit–Have you been able to use it? Your $100 Airline Incidental Statement Credit that you get each calendar year reset. This credit can be used for qualifying purchases such as seat upgrades, baggage fees, in-flight services, and airline lounge fees. The credit is automatically applied to your card statement.

2. Need to renew TSA Pre√ or Global Entry?-You get a statement credit of up to $100 every 4 years as reimbursement for the application fee charged to your card for Global Entry or TSA Pre√. Note, as soon as your birthday hits in the YEAR BEFORE EXPIRATION, you can (and should) renew.

Alaska Airlines Visa Signature Credit Card

1. Know you will get your $99 companion certificate on your account anniversary–Have you used it? You will receive an annual coach Companion Fare for $99 (plus taxes and fees) on each anniversary. The Companion Fare must be redeemed within 12 months of the date of issue. It is valid on all Alaska flights booked on alaskaair.com with no blackout dates.

2. Do you have a $99 companion ticket due to expire?-Note your expiration dates.

Alaska Airlines Visa Business Mileage Plan Card

2. Do you have a $99 companion ticket due to expire?-Note your expiration dates.

Air France KLM World Elite MasterCard

1. 5,000 Miles for spending just $50–Did you get this? Earn 5,000 Flying Blue Miles every year on your account anniversary after spending $50 or more on purchases within the anniversary year.

US Bank Altitude Cards

U.S. Bank Altitude Reserve Card

1. $325 Annual Travel (and restaurant) Credit-Have you used this? Don’t forget, each year, you automatically receive up to $325 in statement credits as reimbursement for travel-related purchases charged to your card and any merchant classified as a restaurant, fast-food restaurant, or bar.

2. Need to renew TSA Pre√ or Global Entry?-You get a statement credit of up to $100 every 4 years as reimbursement for the application fee charged to your card for Global Entry or TSA Pre√. Note as soon as your birthday hits in the YEAR BEFORE EXPIRATION, you can (and should) renew.

U.S. Bank Altitude Connect

1. $30 streaming credit–Have you received this? If this is the card you have streaming services on, an automatic statement credit of $30 per 12-month period will be applied to your account following 11 consecutive calendar months of eligible streaming service purchases.

2. Need to renew TSA Pre√ or Global Entry?-You get a statement credit of up to $100 every 4 years as reimbursement for the application fee charged to your card for Global Entry or TSA Pre√. Note as soon as your birthday hits in the YEAR BEFORE EXPIRATION, you can (and should) renew.

U.S. Bank Altitude Go Card

1. $15 streaming credit–Have you gotten this? If this is the card you have streaming services on, an automatic statement credit of $15 per 12-month period will be applied to your account following 11 consecutive calendar months of eligible streaming service purchases.

Wells Fargo Cards

Bilt Card

1. If you use this for rent, make sure you continue to make at least 5 transactions a month or you will NOT get the points on your rent.

2. Don’t forget that each rent day is capped at $10k in which you can can earn the double points, so keep that in mind if you are making big purchases on rent day.