Never Miss a Monthly Credit: Your Complete Calendar Strategy
Monthly credits are the easiest benefits to waste. Learn the exact system to track and use every monthly credit before it expires—worth up to $1,500/year.
Strategy · 8 min read · 2024-12-21
The Monthly Credit Problem Monthly credits are both a blessing and a curse. While they offer consistent value throughout the year, they also expire at the end of each month—making them the most commonly wasted credit card benefits. Your Monthly Credit Inventory Chase Sapphire Reserve: $35/month = $420/year $5 DoorDash Restaurant Credit $10 DoorDash Grocery Credit #1 $10 DoorDash Grocery Credit #2 $10 Lyft Credit Amex Platinum: $40/month = $500/year $15 Uber Cash ($35 in December) $25 Digital Entertainment Credit Amex Gold: $27/month = $324/year $10 Uber Cash $10 Dining Credit (Grubhub, Shake Shack, etc.) $7 Dunkin' Credit The Calendar System Set recurring calendar reminders on the 25th of each month with these action items: DoorDash Credits (CSR) Order groceries through DoorDash to use both $10 grocery credits Use $5 restaurant credit for a meal or coffee Pro tip: Choose pickup instead of delivery to avoid fees Uber Credits (Platinum & Gold) Use Uber Eats for meal delivery Book an Uber ride to the airport or dinner Remember: December gives you bonus $20 on Platinum ($35 total) Entertainment Credit (Platinum) Already subscribed to Disney+, Hulu, or NYT? You're set! Otherwise, subscribe to one eligible service before month-end Advanced Strategies 1. Stack with Subscriptions The best monthly credits are "set it and forget it" subscriptions: Entertainment Credit: Subscribe to NYT All Access ($25/month) for automatic credits Uber One: Platinum card covers the membership, giving you $0 delivery fees Walmart+: Platinum covers $12.95/month membership 2. Grocery Arbitrage Use DoorDa