Credit Card Credits That Expire Twice a Year: The Reset Checklist

Several premium-card credits reset every 6 months (Jan 1 and Jul 1) and some every quarter — unused value never carries over. The line-by-line checklist to burn CSR, Amex Platinum, Amex Gold and Hilton Aspire credits before each reset, plus a live countdown to the next one.

Seasonal · 8 min read · 2026-07-25

Credit Card Credits That Expire Twice a Year: The Reset Checklist

Correction (July 11, 2026): this post previously listed the Chase Sapphire Reserve hotel credit — The Edit by Chase Travel, formerly branded Sapphire Hotel Collection — among the credits expiring June 30, and told readers $250 would be forfeited at midyear. That deadline never existed. The Edit is a $500 annual credit on a calendar-year cap: you get up to $250 back per prepaid two-night booking through Chase Travel, so two qualifying bookings capture the full $500, and nothing forfeits on June 30. The only deadline is December 31. The totals in this post have been corrected accordingly — the CSR-alone figure drops from $550 to $300. Everything else in this checklist — StubHub, Dining, Hilton Aspire Resort, Amex Gold Resy and the two Amex Platinum quarterly credits — was accurate and is unchanged.

Several of the most valuable premium-card credits reset on a fixed schedule — and whatever you have not used by the reset date is gone for good. Semi-annual credits on the Chase Sapphire Reserve, Hilton Aspire, and Amex Gold reset every January 1 and July 1; two Amex Platinum credits reset every quarter. There is always a next reset and unused value never carries over, so this is the checklist to run before each one. See the live countdown to the next reset →

This is your line-by-line checklist: what expires, how much, the minimum action that triggers each credit, and a direct link to the benefit page so you can mark it off as you go.

Semi-annual credits (reset every January 1 and July 1)

Four of the largest premium-card credits are split into two equal halves: the Q1+Q2 half (Jan 1 – Jun 30) and the Q3+Q4 half (Jul 1 – Dec 31). Anything you don't use by June 30 simply disappears. The CSR hotel credit — The Edit — is not one of them: it does not expire June 30. See the correction at the top.

Chase Sapphire Reserve — StubHub Credit ($150)

Out of the $300 annual StubHub Credit, half ($150) expires June 30. Trigger it with one ticket purchase at StubHub.com using your CSR — concerts, MLB games, comedy shows, anything in the platform. Buy now, hold tickets for a fall event.

Chase Sapphire Reserve — The Edit by Chase Travel Credit ($500/year, and it does not expire June 30)

This section was wrong and has been corrected. The Edit credit does not pay out per half-year and nothing forfeits at midyear. It is a $500 cap for the calendar year: you get up to $250 back on each prepaid stay of two nights or more booked through Chase Travel, so two qualifying bookings capture the full $500. Book when you actually want to travel — the balance is still there in July, and the only deadline is December 31.

Chase Sapphire Reserve — Dining Credit ($150)

The new Sapphire Reserve Dining Credit is $300/year, half ($150) by June 30. Eligible: Sapphire Reserve Exclusive Tables and OpenTable Icons. Book one prix-fixe dinner before month-end.

Hilton Aspire — Resort Credit ($200)

The Aspire's Resort Credit totals $400 annual, with $200 expiring June 30. Stay at any participating Hilton resort (Waldorf, Conrad, and select Curio properties count) and the credit posts automatically against on-property charges. Even a one-night weekend stay covers it.

Amex Gold — Resy Credit ($50)

The Amex Gold's Resy Credit is $100/year, half ($50) by June 30. Use it at any U.S. Resy restaurant — enrollment in the Amex offer required. Two dinners at a participating spot covers it.

Quarterly credits (reset at the start of each quarter)

Two Amex Platinum credits run on a calendar-quarter cycle. Q2 (April 1 – June 30) closes the same day as the semi-annuals.

Amex Platinum — Resy Credit ($100)

The Amex Platinum Resy Credit is $400/year as 4 × $100 quarterly statement credits at U.S. Resy restaurants. Enrollment required (one-time). One nice dinner per quarter clears it.

Amex Platinum — Lululemon Credit ($75)

The Lululemon Credit is $300/year as 4 × $75 quarterly statement credits at Lululemon (in-store, online, or via the app). Use it on a single pair of shorts.

Already used most of these vs. haven't started

If you've used 4+ already: Skip ahead to the Q3 setup. Open the benefits dashboard, mark this period as used on each credit, and skim Q3 reset dates so you're not in this same scramble in October.

If you've used 0–1 so far: Don't try to use everything. Pick the three highest-dollar credits you can plausibly trigger this week and ignore the rest — Q3 starts fresh. Recommended priority:

1. StubHub $150 + Dining $150 = $300 — one concert ticket and one dinner reservation.
2. Resy $100 + Resy $50 + Lululemon $75 = $225 — three small in-app actions on a single Saturday.
3. Resort Credit $200 — clears with one flexible hotel booking (refundable).

The Edit hotel credit used to sit at the top of this list at $250. It has been removed: it does not expire June 30, so it does not belong in a Q2 scramble.

Total at risk by card bundle

Deep-dive guides for the biggest recurring credits

Each of these gets its own post with the line-by-line play, the FAQ, and the verification handshake:

• Chase Sapphire Reserve StubHub Credit: Use Your $150 Before June 30 — the 3-step play for the $150 H1 StubHub credit, what qualifies, the no-rollover countdown, and pairing ideas for events you can buy this week.
• Amex Platinum Resy Credit: Use Your Q2 $100 Before June 30 — the 60-second enrollment most cardholders miss, the post-charge verification trick, and the "Q1 is already gone" math that makes this credit a quarterly forcing function.
• Hilton Aspire Resort Credit: Eligible Hotels, Rules, and How to Actually Use It — the 3 eligibility rules people miss (participating resorts only, flexible rates only, charges to room only), plus easy-mode domestic redemptions if you don't have a tropical resort booked.

Bottom Line

Four semi-annual credits and two quarterly credits — totalling $675 for the full CSR + Amex Plat + Hilton Aspire wallet — disappear at midnight on June 30. They are not pro-rated, not rolled over, and not refundable. The Edit hotel credit is not one of them.

The fastest path through the list: open the benefits dashboard, filter to your tracked cards, and use the period pill on each of the seven credits above to mark them off as you trigger them. We'll send you to the Pointsmiths blog if you want the deep-dives on StubHub stacking, Aspire resort eligibility, or the Resy enrollment trick.

You have 38 days. Most of these clear in one weekend.

Frequently asked questions

What if I've already used my Q2 credit on one of these benefits?

You're done for this period — there's nothing more to claim until July 1, when Q3 unlocks a fresh allotment. The right move is to mark the credit used on the benefits dashboard so it stops nagging you, and to skim the Q3 reset dates on the same page. The next big checkpoint is September 30 (the quarterly Amex Platinum credits roll again) and then December 31 (the annual credits and the Q3+Q4 half of every semi-annual credit). Setting a reminder now for late September catches the next quarterly cycle without another last-minute scramble.

Do unused credits roll over into the next period?

No. Every credit on this list is "use it or lose it" — the dollar value resets to its per-period amount at the start of the new window, and any leftover from the prior window is gone. That's true for both the semi-annual credits (StubHub, Dining, Resort, Amex Gold Resy) and the quarterly credits (Amex Platinum Resy, Lululemon) — but not for The Edit hotel credit, which does not expire June 30 and carries a $500 annual cap instead. Some issuers will pro-rate credits if you close the card mid-period, but that's an account-closing edge case, not a rollover. The practical implication: every unused dollar at midnight on June 30 is a real dollar you paid the annual fee for and didn't recoup.

How do I know which credits I've already used this period?

The benefits dashboard tracks per-period usage via period pills — one pill per month for monthly credits, one per quarter for quarterly, two per year for semi-annual. Tap a pill to toggle "used" status; the year-to-date redemption number at the top of the dashboard updates immediately so you can see your ROI climb against the card's annual fee. There's no bank linking — you mark credits manually, which sounds tedious but takes about ten seconds per credit and gives you accurate state across multiple cards. Subscribing to the calendar export (Add to calendar button on the dashboard) pushes a 24-hour and 3-hour reminder to every credit expiration, which is the lowest-effort way to never miss another reset.

Can I trigger a credit and then return or refund the purchase?

Sometimes — it depends on the credit's terms and the merchant's return policy. The Hotel Collection and Resort credits typically post against the room charge at checkout, so booking a refundable rate and cancelling before arrival means no charge ever hits and the credit doesn't post. The StubHub credit posts on ticket purchase, and StubHub's standard "all sales final" policy means the credit usually sticks even if the event is later resold. The Resy credits work as Amex Offers — they post when the merchant settles the transaction, and a refund typically reverses the credit. The honest answer is "verify before relying on it," and the safest play is to find a use you actually want rather than gaming a refund loop.

When do Q3 credits start, and what's the next deadline?

Q3 starts July 1 — every quarterly credit (Amex Platinum Resy, Lululemon) refreshes, and the second half of every semi-annual credit (StubHub, Dining, Resort, Amex Gold Resy) opens for use — though The Edit hotel credit is not among them, because its $500 cap is annual and does not reset in July. The Q3 quarterly window closes September 30, the Q4 quarterly window closes December 31, and the semi-annual H2 window closes December 31. December 31 is the year's other big credit-burn deadline because it also covers annual credits like the Aspire's airline credit. Mark September 30 on your calendar now — it's the next "easy to forget" cliff after June 30.

What about the cards I don't hold yet — should I add one before June 30 to catch these credits?

Probably not. Premium card annual fees ($550-$795 for the cards in this checklist) and the application timing (Resy enrollment alone takes a few days to post) make it almost impossible to recoup a new annual fee from a single Q2 cycle. The math works the other direction: if you already pay the fee, the Q2 burn is free money you've already bought. If you're considering adding a card, look at the full-year benefit roster on the benefits dashboard and project a year of usage before the application, not the 38-day sprint that triggered you to read this post.

You have 38 days. Open the benefits dashboard, pick your three priority credits, and clear them by next weekend.

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Updated 2026-07-31