Year-End Credit Card Checklist: 12 Benefits Expiring Dec 31st
Don't leave money on the table. These credits and benefits reset or expire on December 31st—use them before they're gone.
Strategy · 6 min read · 2024-12-12
Why Year-End Matters Most credit card benefits operate on a calendar year (January 1 - December 31). If you haven't used your annual credits by December 31st, they disappear forever. Your December Checklist 1. Annual Travel Credits Cards Affected: Chase Sapphire Reserve ($300) Capital One Venture X ($300) Amex Platinum ($200 FHR) Citi Strata Premier ($100) Action Required: Book any remaining travel by December 15th to ensure charges post before December 31st. Recovery Strategy: Don't have travel plans? Book refundable hotels for January 2025 trips. 2. Q4 Quarterly Credits Cards Affected: Amex Platinum: Lululemon ($75 Q4), Resy ($100 Q4) Hilton Aspire: Airline ($50 Q4) Action Required: Use Q4 credits before December 31st. These are "use it or lose it"—they don't roll into Q1 2025. 3. Second Half Semi-Annual Credits Cards Affected: Chase Sapphire Reserve: The Edit ($250 H2), StubHub ($150 H2), Dining ($150 H2) Amex Platinum/Gold: Saks ($50 H2) Hilton Aspire: Resort credit ($200 H2) Amex Gold: Resy ($50 H2) Action Required: Book eligible purchases by December 27th to ensure posting before year-end. 4. December Uber Bonus (Amex Platinum) Special Benefit: Regular months: $15 Uber Cash December: $35 Uber Cash ($15 + $20 bonus) Action Required: Use all $35 before December 31st (expires monthly). 5. Final Monthly Credits Ensure December credits are used: DoorDash credits (Chase Sapphire Reserve): $25 Uber Cash (Amex Gold): $10 Dining credits (Amex Gold): $10 Dunkin' (Amex Gold): $7 Lyft (Chase Sapphire Reserve): $10 Digital Entertainment (Amex Platinum): $25 Deadline: Use by Decemb