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Find your card below…..then see what you need to know and what you should do in 2023!

Note, 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 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. Remember your multipliers-You get 5x per $1 on all airfare, whether booked thru Amex Travel or DIRECT THRU THE AIRLINE. You also get 5x on prepaid hotels booked thru Amex Travel. You earn 2x Membership Rewards on other travel that you book on the American Express Travel website.

2. Stop using this card at Amazon-if you had previously taken advantage of the 5x offer that I had emailed about at the end of 2022, the offer is now expired. Go back to the card you would normally use for Amazon.

3. Shop at Saks-You have another $50 to spend at Saks. Don’t forget about this! You will receive up to $50 in statement credits when you shop at Saks from January through June, and another one up to $50 in statement credits when you shop at Saks from July through December. You need to make sure you are ENROLLED in this benefit and pay with your Platinum Card when you shop.

4. Think about if you can use your $200 airline fee credit-Your annual airline fee credit reset and you have till Jan 31 to make a change (but Amex may make an exception and let you change your airline mid-year).

5. 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.

6. Can you use your $240 Digital Entertainment Credit-I use mine for my NY Times digital subscription each month. 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, and The New York Times. Enrollment is required to receive the benefit.

7. 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 $119. Add family members (over 18) at $60 each. I am also seeing news that the rates are going up a bit for Delta and United members, so if you need to add family members and get as much as the $189 as possible, I would act on this sooner rather than later.

8. 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.

9. 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 Platinum Card. And for all cardmembers under the Primary Platinum, you get $100 credit too. Use a separate card for each member’s application fee!

10. Bad news about guests and Centurion Lounges-as of February 1, the primary cardholder will no longer be able to bring 2 guests (any guests) into the CENTURION lounges for free. Instead, you can bring up to two guests at a per-visit rate of $50 per person, per location. Note, you can bring in free guests if you spend a hefty $75k on your card in a calender year.

You can still bring 2 guests into the Priority Pass lounges for free.

American Express BUSINESS Platinum Card

1. Remember your multipliers-You get 5x per $1 on all airfare when booked thru Amex Travel. You do NOT get 5x per $ when you pay with this card direct thru the airline. You also get 5x on prepaid hotels booked thru Amex Travel. You earn 2x Membership Rewards on other travel that you book on the American Express Travel website. You earn 1.5X Membership Rewards points on purchases at U.S. electronic goods retailers and software & cloud system providers on up to $2 million of these purchases per calendar year. You also earn 1.5X Membership Rewards points per dollar spent on purchases of $5,000 or more, up to 1,000,000 additional points.

2. Shop at Dell-You have another $200 to spend at Dell. Don’t forget about this! You will receive up to $200 in statement credits when you shop at Dell from January through June, and another one up to $200 in statement credits when you shop at Dell from July through December. 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. I just bought a few plug adapters for my son who is going abroad.

3. Think about if you can use your $200 airline fee credit-Your annual airline fee credit reset and you have till Jan 31 to make a change (but Amex may make an exception and let you change your airline mid-year).

4. $120 Wireless Statement Credits-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.

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 $119. Add family members (over 18) at $60 each. I am also seeing news that the rates are going up a bit for Delta and United members, so if you need to add family members and get as much as the $189 as possible, I would act on this sooner rather than later.

6. 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. You have till Jan 31 to make a change to your selected airline (but Amex may make an exception and let you change your airline mid year).

7. Do you use Indeed or Adobe? You get a $360 Ineed 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.

8. 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 Platinum Card. And for all cardmembers under the Primary Platinum, you get $100 credit too. Use a separate card for each member’s application fee!

9. Bad news about guests and Centurion Lounges-as of February 1, the primary cardholder will no longer be able to bring 2 guests (any guests) into the CENTURION lounges for free. Instead, you can bring up to two guests at a per-visit rate of $50 per person, per location. Note, you can bring in free guests if you spend a hefty $75k on your card in a calender year.

American Express Gold

1. Remember your multipliers-You earn 4 points per dollar at restaurants WORLDWIDE, 4 points per dollar at U.S. supermarkets on up to $25,000 per year in purchases and 3 points per dollar on flights booked directly with airlines and airfare charged directly with amextravel.com. (directly means not thru an intermediary like Expedia or Kayak).

3. Remember to keep using your $10 monthly dining credit-Remember to keep using your $10 monthly dining credit at Grubhub, Seamless, The Cheesecake Factory, Goldbelly, Wine.com. Milk Bar, and participating Shake Shack locations. You need to make sure you are ENROLLED in this benefit.

4. 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 for $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. Take it out again if you had put it away in 2022 because you reached the cap-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) reset on January 1, 2023.

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. You have till Jan 31 to make a change to your selected airline (but Amex may make an exception and let you change your airline mid year).

American Express Green

1. Remember your multipliers-You earn 3x Membership Rewards points on on travel including flights, hotels, transit, taxis, tours, and ridesharing services. (Click here for a complete definition of travel from Amex). You earn 3x points per dollar at restaurants WORLDWIDE.

2. AMEX UPPED THE CLEAR CREDIT TO $189 THIS PAST YEAR! 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 Green Card. 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. I am also seeing news that the rates are going up a bit for Delta and United members, so if you need to add family members and get as much as the $189 as possible, I would act on this sooner rather than later.

3. 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-Your $6,000 cap in which you can earn 3 points per dollar on groceries reset on January 1, 2023.

American Express Blue Business

1. Take it out of hiding if you hadn’t been using it in 2022-Your $50,000 cap in which you can earn 2 Amex points per dollar on ALL PURCHASES reset on January 1, 2023. Yay, love this card!

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 in 2023!

3. Do you need to spend on your card to achieve or maintain Delta Medallion status? -Note that If in any calendar year, you spend $25,000 or more on the card, you receive 10,000 Medallion Qualification Miles (MQMs), and if in that same calendar year you spend $50,000 or more, you receive an additional 10,000 MQMs. In addition, the MQDs requirement for Silver, Gold, and Platinum status is 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√.

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 in 2023!

3. Do you need to spend on your card to achieve or maintain Delta Medallion status? -Note that If in any calendar year, you spend $30,000 or more on the card, you receive 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!

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√

American Express Hilton Honors Cards

Hilton Honors American Express Aspire Card

1. Know you will get a free ~~weekend~~ ANY! 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 Beverly Hills, some amazing uses of my free nights!

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

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 the airline to your card each calendar year.

5. Spend $60K and earn another ~~Weekend~~ ANY Night Reward– If you spend $60,000 on purchases on your card in a calendar year, you will earn a free night reward.

Hilton Honors American Express Surpass Card

1. Spend $15K and earn a ~~Weekend~~ ANY Night Reward– If you spend $15,000 on purchases on your card in a calendar year, you will earn a free night reward.

Hilton Honors American Express Business Card

1. Spend $15K/$60K and earn 2 ~~Weekend~~ ANY Night Rewards– You will have the ability to earn a 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. You can add up to 15,000 points to top off the certificate.

2. Do you have any free nights currently due to expire?-Try to use them!

3. Do you have any Suite Night Awards (usually earned with status) currently due to expire?-Note your expiration dates. Try to use them. I often fail at this.

4. Did you get your starting Elite Nights? -Each year you start with 15 elite night credits.

Marriott Bonvoy Brilliant American Express Card

1. There were a lot of changes to this card in 2022. If i knew you had the card, I sent you an email back in September, 2022, detailing the changes. Know that the annual fee on this card is going from $450 to $650. You will be charged the new fee based on when your anniversary is. Some of you (like me whose fee was due before 9/21/22), are grandfathered in at the $450 rate for another year.

2. 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.

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

4. Your $300 resort credit became a $25 dining credit.-You now receive a $25 automatic monthly dining credit. Remember, to take the card out each month to use it to spend $25 plus on dining to get the $25 monthly statement credit.

5. Did you get your starting Elite Nights? -Each year you start with 25 elite night credits instead of the 15 that we used to get.

6. Can you use your $100 Hotel Credit?-You get a $100 credit for qualifying dining, spa or other hotel recreational activities at the Ritz Carlton or St. Regis when you book direct using a special rate (called $100 Property Credit, Luxury Credit Card Rate) for a 2 night minimum stay.

7. Do you have any Suite Night Awards (usually earned with status) currently due to expire?-Note your expiration dates. Try to use them. I often fail at this.

8. 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√.

9. Platinum Elite Status-The card now comes with Platinum Elite status which has some nice benefits (like free breakfast) when staying at a Bonvoy.

Marriott Bonvoy Business 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.

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

3. 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.

4. Did you get your starting Elite Nights? -Each year you start with 25 elite night credits instead of the 15 that we used to get.

American Express Cash Back Cards

American Express Blue Cash Preferred Card

1. Take it out of hiding if you hadn’t been using it in 2022-Your $6,000 cap in which you can earn 6% CASH BACK per dollar at supermarkets reset on January 1, 2023.

American Express Blue Cash Everyday Card

1. Take it out of hiding if you hadn’t been using it in 2022-Your $6,000 cap in which you can earn 3% CASH BACK per dollar at supermarkets reset on January 1, 2023.

American Express Blue Business Cash Card

1. Take it out of hiding if you hadn’t been using it in 2022-Your $50,000 cap in which you can earn 2% CASH BACK per dollar on ALL PURCHASES reset on January 1, 2023.

Chase Ultimate Rewards Cards

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

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

2. Remember your multipliers– You get 3x points per $1 on all travel (ie-booked outside of Ultimate Rewards) and on dining. And you are still getting 10x points per $1 on Lyft rides thru March 2025. You get 5x points per $1 on airfare booked thru Ultimate Rewards, 10x points per $1 on hotels and car rentals thru Ultimate Rewards, 10x points per $1 on Chase Dining purchases (IMO hard to use, tell me if u have had better luck).

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√.

4. 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.

5. Points worth 1.25 cents-Confirm this as I do not have the card to check. You can use your points to pay yourself back at the rate of 1.25 cents per point for gas and groceries through March 31. Charities are still at 1.5 cents per point and this is through Deccemebr 31. I am only giving you this information! I am not advising that you use your points like this. I much prefer they be used for travel at the 1.5 cent rate thru Chase Travel or transferred to a Chase partner.

Chase Sapphire Preferred Card

1. Remember your multipliers-On dining you get 3x points per $1 and 2x points per $1 on all travel (ie-booked outside of Ultimate Rewards). You also get 3x points per $1 on ONLINE groceries and 3x points per $1 on streaming services. (I have moved all of my streaming services here). And you are still getting 5x points per $1 on Lyft rides thru March 2025. You also get 5x points per $1 on travel booked thru Ultimate Rewards.

2. $50 Hotel statement credit-Each ANNIVERSARY year, you get a a statement credit when you use your card for hotel accommodation purchases made through the Ultimate Rewards program.

3. 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.

4. 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 Preferred

1. $150K cap resets upon your anniversary-Your $150,000 cap will reset upon your anniversary in categories in which you can earn 3 points per dollar: travel, shipping, advertising purchases made with social media sites and search engines; internet, cable, and phone services.

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.

3. Points worth 1.25 cents for other expenses-Through March 31, you can use your points to pay yourself back at the same rate of 1.25 cents per point for shipping, internet, cable and phone. Charges for charities are also at 1.25 cents per point and this is through December 31. I am only giving you this information! I am not advising that you use your points like this.

Chase Ink Business Plus (old card version)

1. $50K cap (earn 5x) resets upon your anniversary-Your $50,000 cap will reset upon your anniversary in categories in which you can earn 5 points per dollar: office supply stores and on cellular phone, landline, internet, and cable TV.

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. And you are still getting 5x points per $1 on Lyft rides thru March 2025. 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. Break out this card for grocery stores (yay), Target (yay) and Fitness Clubs and gym membership for the first quarter of 2023–Activate your 5% cash back/5 Ultimate Rewards points per $ spent (up to $1,500) in bonus categories which for the first quarter of 2023 includes GROCERIES (yay easy!). You need to activate by March 14, 2023.

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.

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√.

4. Do you also have a Chase United Business card?-You should get 5,000 Anniversary Bonus Miles when 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.

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√.

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 cardmember anniversary.

3. Do you also have a Chase United Explorer card?-You should get 5,000 Anniversary Bonus Miles when you have both this business card and the Chase United Explorer Visa above.

4. $100 United Annual Travel Credit-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. $125 Annual United Purchase Credit-You receive up to $125 in statement credits each account anniversary year as reimbursement for United purchases charged to your card.

2. 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.

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√.

Chase Southwest Airline Cards

Chase Southwest Airlines Rapid Rewards Premier Card

1. Anniversary Points-Make sure you receive 6,000 points after your cardmember anniversary.

2. 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-Remember, the Companion Pass point earning requirement is increased to 135,000 (from 125k) but, because you have the card, you should also be receiving a boost of 10,000 Companion Pass qualifying points every calendar year. Watch for those if you have not already gotten them.

Chase Southwest Rapid Rewards Priority Card

1. Anniversary Points-Make sure you receive 7,500 points after your cardmember anniversary.

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

3. 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-Remember, the Companion Pass point earning requirement is increased to 135,000 (from 125k) but, because you have the card, you should also be receiving a boost of 10,000 Companion Pass qualifying points every calendar year. Watch for those if you have not already gotten them.

Chase Southwest Airlines Rapid Rewards Plus Card

1. Anniversary Points-Make sure you receive 3,000 points after your cardmember anniversary.

2. NEW BENEFIT–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-Remember, the Companion Pass point earning requirement is increased to 135,000 (from 125k) but, because you have the card, you should also be receiving a boost of 10,000 Companion Pass qualifying points every calendar year. Watch for those if you have not already gotten them.

Chase Southwest Airlines Rapid Rewards Premier Business Card

1. Anniversary Points-Make sure you receive 6,000 points after your cardmember anniversary.

2. NEW BENEFIT–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-Remember, the Companion Pass point earning requirement is increased to 135,000 (from 125k) but, because you have the card, you should also be receiving a boost of 10,000 Companion Pass qualifying points every calendar year. Watch for those if you have not already gotten them.

Chase Southwest Airlines Rapid Rewards Performance Business Card

1. Anniversary Gift-Make sure you receive 9,000 points after your cardmember anniversary.

2. 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.

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√.

5. New 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-Remember, the Companion Pass point earning requirement is increased to 135,000 (from 125k) but, because you have the card, you should also be receiving a boost of 10,000 Companion Pass qualifying points every calendar year. Watch for those if you have not already gotten them.

Chase Other Airline Cards

Chase British Airways Visa Signature

1. Travel Together Ticket-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-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√.

4. New to the card for 2023, redeem points for travel at 1.25 cents per point-You can redeem points for a statement credit to cover travel purchases made with your Card at the rate of 1.25 cents per point thru December 31, 2023.

Chase Iberia Visa Signature Card

1. Discount Voucher-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-Every calendar year you make $30,000 in purchases on your card, you’ll recieve 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

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.

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

3. Gold Elite Status by spending $35K-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. 15 Elite Night Credits-You should have started the year with 15 Elite Night credits. Make sure you see those in your Bonvoy account.

Chase Marriott Bonvoy Bountiful Card

1. Know after $15,000 in spend in a calendar year, you will get a free night award-This is valid for a one night hotel stay at a property with a redemption level of up to 50,000 points.

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

4. 15 Elite Night Credits-You should have started the year with 15 Elite Night credits. Make sure you see those in your Bonvoy account.

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.

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

3. Elite night credits for spending-You get 1 Elite credit for every $3,000 spent on your card during your anniversary year.

4. 15 Elite Night Credits-You should have started the year with 15 Elite Night credits. Make sure you see those in your Bonvoy account.

Chase Marriott Rewards Premier Business Credit 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 35,000 points) at a participating hotel.

2. Do you have any free nights currently due to expire?-Note your expiration dates. Marriott recently extended expiration dates thru June 30, 2022.

4. 15 Elite Night Credits-You should have started the year with 15 Elite Night credits. Make sure you see those in your Bonvoy account.

Chase Ritz-Carlton Rewards Visa Infinite Credit 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 50,000 points) at a participating hotel.

2. Do you have any free nights currently due to expire?-Note your expiration dates. Marriott recently extended expiration dates thru June 30, 2022.

3. Do you have any Club Level upgrades currently due to expire?-Note your expiration dates. Your stay must be for a minimum of 7 nights to use these.

4. 10% Annual Points Premium-Make sure you receive your 10% Annual Points Premium on points earned through card purchases made during the year.

5. $300 Annual Travel Credit-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!)

6. $100 Hotel Credit-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.

7. Achieve Platinum Elite Status via 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.

8. 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√.

9. Did you get your starting Elite Nights? -Each year you start with 25 elite night credits instead of the 15 that we used to get.

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 need to spend on your card to achieve or maintain World Of Hyatt elite status?-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.

3. Spend $15K for an extra free night-Receive an extra free night at any Category 1–4 Hyatt hotel or resort if you spend $15,000 during your cardmember anniversary year.

4. Do you have any free nights currently due to expire?-Note your expiration dates. Try to use your free night awards!

Chase World Of Hyatt Business Credit Card

1. $100 in Hyatt Credits Each Anniversary Year-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 calendar year.

3. Make sure you get your 10% Redemption bonus if you qualify-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. Try to use them!

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-If you happen to spend at least $20,000 during your anniversary year (and one additional purchase), you will receive 10,000 bonus points.

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√.

Chase IHG Rewards Club Traveler Credit Card

1. Gold Elite Status for spending $10k-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-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. $200 Vacation Rental credit-If you are a recent applicant, take advantage of your $200 vacation rental credit if you can. (think VRBO and airbnb). AND there are reports of people receiving this credit on hotel stays too, worth a shot especially because this is possibly the “right card” for your hotel stays anyway.

3. Anniversary Bonus-Make sure you get your 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary. I was a November 2021 applicant and paid my $395 renewal fee in November, 2022. I just recently (in January) got the 10,000 bonus miles. So don’t be nervous if you don’t see them yet.

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

5. Access Plaza Premium Lounges-You can 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.

6. No more Priority Pass restaurants and spa services-this negative news didn’t really affect me as I never used the PP non lounge benefits anyway. Know that as if 1/1/23, you lost Priority Pass restaurants and spa services with your card. YOU CAN STILL ACCESS THE PRIORITY PASS LOUNGES!

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√.

Venture Rewards Card

1. 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.

2. Get two complimentary visits per year to Plaza Premium 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).

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√.

Capital One Spark Miles Business Card

1. 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. 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√.

Citibank ThankYou Cards

Citi ThankYou Premier

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

2. $100 Annual Hotel Savings-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 nights reset-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. This benefit is unfortunately 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√.

Citibank Rewards+ Card

1. 10% Points Back on Redemptions-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-You will earn one Loyalty Point (the new 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 one year from issue.

Citi Executive AAdvantage Card

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

2. Remember, you get Admirals Club membership with the card-You and your immediate family (or up to two traveling guests that accompany you) have access to Admirals Club worldwide locations.

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√.

Barclays Bank Arrival Cards

Barclays Arrival Premier World Elite 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√.

2. Loyalty Bonus-Loyalty annual bonus miles are earned in addition to the 2X miles you earn on every purchase. You can earn loyalty bonuses up to 25,000 miles each year based on your spend. For example, if you spend $15,000 on purchases, you get 15,000 bonus miles. If you spend an additional $10,000 on purchases, you will get an additional 10,000 miles, for a total of 25,000 miles after $25,000 spent on purchases. 25K is the cap.

Barclays Arrival Plus World Elite MasterCard and Barclays Arrival World MasterCard

1. 5% Mileage Redemption-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-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-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√.

2. Companion Certificate-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-With this card, you earn 10% of your redeemed AAdvantage miles back.

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-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 account anniversary.

2. Spending Bonus-Earn 5,000 bonus HawaiianMiles when you spend at least $10,000 in Purchases within each anniversary year.

Hawaiian Airlines World Elite Business MasterCard

1. Spend $50K/$100K for 20,000/40,000 Miles-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.

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. 10% Mileage Redemptions-With the cards, you earn 10% of your redeemed JetBlue miles back.

3. Mosaic Status-Your spending year resets but as of January 1, 2023, there are changes to the way you can earn Mosaic status and beyond with the card.

a. Starting this spring, JetBlue will track status (from Jan 1) with “TILES”, that can be earned on BOTH travel spend and all JetBlue credit cards. (You used to be only able to earn it one of the ways and credit card spend didn’t count unless u spent $50k).

b. With the new program, you will get 1 tile for every $100 spent on JetBlue flights (also on JetBlue Vacations, Paisly by JetBlue, many JetBlue extras and fees, as well as American Airlines flights)
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c. Also, now you no longer have to spend a lump sum of $50k to get status on JetBlue. You get 1 tile for every $1000 in JetBlue credit card purchases.

d. And now there are 4 levels and your Mosaic level will be based on BOTH travel & card spend. The levels are…

Mosaic 1: $5,000 on travel or $50,000 on card—or a combination of both (50 tiles)✔️

Mosaic 2: $10,000 on travel or $100,000 on card—or a combination of both (100 tiles)✔️

Mosaic 3: $15,000 spent on travel or $150,000 on card—or a combination of both (150 tiles)✔️

Mosaic 4: $25,000 spent on travel or $250,000 spent on card—or a combination of both (250 tiles)✔️

Emirates Skywards Premium World Elite Mastercard

1. Keep Your Gold Tier Status After The First Year-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-You can earn 10,000 anniversary miles after spending $30,000 each card membership 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√.

Barclays Bank Hotel Cards

Wyndham Rewards Earner+ Card

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

Choice Privileges Visa Signature Card

1. Spending Incentive-Every year you spend $10,000 in a calendar year on this card, you will receive an additional 8,000 bonus Choice Privileges points that year.

Bank Of America Cards

Bank Of America Premium Rewards Credit Card

1. Think about if you can use your annual $100 airline travel credit-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√.

Alaska Airlines Visa Signature Credit Card

1. Know you will get your $99 companion certificate on your account anniversary-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.

Virgin Atlantic World Elite MasterCard

1. If you spend at least $25,000 in Net Purchases using your card within a year (beginning on the date you open your account and continuing for every 12 month period thereafter), will qualify for your choice of A) One cabin upgrade for the primary cardholder, upgrade any booking by one cabin into a reward seat; or B) One matching Companion Fare in the same cabin class as the primary cardholder’s booked ticket.

Air France KLM World Elite MasterCard

1. 5,000 Miles for spending just $50-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-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 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√.

U.S. Bank Altitude Connect

1. $15 streaming credit-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.

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√.