The Business Platinum Card® from American Express is not only one of the best small-business cards but also one of the best cards for travel rewards in general. Cardmembers definitely pay for all those perks, though, since it charges a $895 annual fee (see rates and fees).

However, despite many valuable benefits and opportunities to earn bonus points, the Amex Business Platinum is often overshadowed by its personal counterpart, The Platinum Card® from American Express, which also charges a $895 annual fee (see rates and fees).

Both cards have been refreshed, including adding and improving some statement credits and benefits and introducing a new card design. However, with this refresh, both cards saw a 29% annual fee increase.

If you’re only going to have one of the Amex Platinum products, there are compelling reasons why you should opt for the business version over the personal one. Let’s dive into them.

Comparing the Amex Platinum and Amex Business Platinum

Let’s start with a quick comparison of both cards.

	The Platinum Card from American Express	The Business Platinum Card from American Express
Welcome offer	Find out your offer and see if you are eligible for as high as 175,000 bonus points after spending $8,000 on purchases within the first six months of card membership. (Welcome offers vary and you may not be eligible for an offer.)	Earn 200,000 bonus points after spending $20,000 on purchases in the first three months of card membership.
Annual fee	$895	$895
Earning rates	5 points per dollar spent on airfare booked directly with airlines or through American Express Travel® (on up to $500,000 of these purchases per calendar year, then 1 point per dollar) 5 points per dollar spent on prepaid hotels booked through Amex Travel 1 point per dollar spent on all other eligible purchases	5 points per dollar spent on flights and prepaid hotels booked through American Express Travel 2 points per dollar spent on eligible purchases of at least $5,000 each, as well as on U.S. purchases with construction material and hardware suppliers, shipping providers, electronic goods retailers and software and cloud system providers (up to $2 million per calendar year, then 1 point per dollar spent) 1 point per dollar spent on all other eligible purchases
Unique benefits	Up to $300 per calendar year (up to $25 each month) in statement credits for eligible digital entertainment subscriptions, including new partners Paramount+, YouTube Premium and YouTube TV Up to $300 annual Lululemon statement credit per calendar year at U.S. stores and online (allocated as up to $75 per quarter; outlets excluded) Up to $300 per calendar year for an eligible U.S. Equinox Club Membership or eligible Equinox+ subscription (subject to auto-renewal) Up to $300 per calendar year in statement credits when purchasing a SoulCycle at-home bike Up to $200 per calendar year in Uber Cash for U.S. rides or Uber Eats orders each calendar year (up to $15 each month to use on Uber rides or Uber Eats orders in the U.S., with an additional up to $20 in December). Uber Cash will only be deposited into one Uber account when you add the Amex Platinum to the Uber account. You must pay with an Amex card Up to $200 Oura statement credit per calendar year (can only be used on hardware purchases) Up to $155 per calendar year (up to $12.95 each month) in statement credits to cover the cost of a monthly Walmart+ membership (Plus Ups Excluded, subject to auto-renewal) Up to a $120 statement credit that fully covers an auto-renewing $96 annual or $9.99 monthly membership Up to $100 per calendar year in Saks Fifth Avenue statement credits (broken up as up to $50 semi-annually) Enrollment is required for select benefits.	A 35% bonus (up to 1 million points per year) when you Pay with Points on Amex Travel on flights in any cabin class booked on your designated airline Up to $150 in statement credits on U.S. purchases made directly at Dell and an additional up to $1,000 statement credit after spending $5,000 or more per calendar year. Up to $360 per calendar year (up to $90 per quarter) in statement credits with Indeed Up to $200 in statement credits per calendar year (up to $50 per quarter) for eligible Hilton purchases (Hilton for Business program membership is required) Up to $250 Adobe statement credit after spending $600 or more on U.S. purchases made directly with Adobe per calendar year (subject to auto-renewal) Up to $120 per calendar year (up to $10 monthly) in wireless provider statement credits Earn up to $1,200 in Amex Travel flight statement credits and up to $2,400 in One AP statement credits (valid from Jan. 1 to Dec. 31 of the calendar year after meeting the requirement), both after spending $250,000 or more on eligible purchases (spending on your card this year counts toward the requirement) Enrollment is required for select benefits.

Related: 9 things to do when you get the Amex Business Platinum Card

Perks offered by both cards

These are the main benefits that both cards offer their members (enrollment is required for select benefits, and terms apply):

• Up to $600 statement credit each calendar year (up to $300 semi-annually) on prepaid bookings at Fine Hotels + Resorts or The Hotel Collection properties made through Amex Travel (minimum two-night stay requirement for The Hotel Collection)
• Enjoy an airline fee statement credit of up to $200 per calendar year on charges with the airline you select
• Get $120 as a statement credit for your Global Entry application fee (every four years) or a statement credit of up to $85 for TSA PreCheck (every 4½ years)
• Receive a statement credit per calendar year to reimburse your annual Clear Plus membership fee (up to $209 per calendar year; subject to auto-renewal). Use your card to pay for a Clear Plus membership (it doesn’t have to be for you) and be reimbursed automatically
• Eligible cardmembers can access the American Express Global Lounge Collection, which includes Centurion Lounges, Priority Pass lounges, Delta Sky Clubs (limited to 10 annual visits; when flying on a same-day Delta flight; except basic economy flights; spend $75,000 in a calendar year to unlock unlimited flights), Aspire lounges, Escape lounges, Plaza Premium lounges and Lufthansa lounges
• Complimentary car elite rental status with Hertz President’s Circle, Avis Preferred Plus and National Emerald Club Executive
• Complimentary Gold elite status with Hilton Honors and Marriott Bonvoy, plus Leaders Club Sterling status from Leading Hotels of the World
• Enjoy no foreign transaction fees (see rates and fees for the Amex Platinum and rates and fees for the Amex Business Platinum)
• Access to Amex’s Fine Hotels + Resorts program and the Hotel Collection (minimum two-night stay requirement for the Hotel Collection)
• Benefit from various travel protections and purchase protections
• Up to $400 Resy statement credit each calendar year, (up to $100 each quarter) for U.S. Resy restaurants
• Access to Platinum nights by Resy in Los Angeles, Miami and New York
• Enrollment is required for select benefits

Reasons to choose the Amex Business Platinum over the Amex Platinum

Now that their similarities are out of the way, let’s focus on their differences and how those might sway you to choose the Amex Business Platinum instead of the Amex Platinum.

You have or already had the personal Amex Platinum

Like many other issuers, American Express has increasingly restricted who is eligible for the welcome bonuses on its cards. The offer terms for the Platinum, for instance, say the following:

“You may not be eligible to receive a welcome offer if you have or have had this Card, the Platinum Card® from American Express Exclusively for Charles Schwab, the Platinum Card® from American Express Exclusively for Morgan Stanley or previous versions of these Cards. You also may not be eligible to receive a welcome offer based on various factors, such as your history with credit card balance transfers, your history as an American Express Card Member, the number of credit cards that you have opened and closed and other factors. If you are not eligible for a welcome offer, we will notify you prior to processing your application so you have the option to withdraw your application.”

The information for the Platinum Amex for Charles Schwab and the Amex Exclusively for Morgan Stanley has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

So, if you already have the Platinum, or even if you carried it in the past but have since closed it, you might be blocked from taking advantage of its current welcome offer.

If you want to regain some of its benefits and the chance to score thousands of additional Membership Rewards points, you might have to opt for the Business Platinum instead.

Related: 10 things to do when you get the Amex Platinum

You spend enough to earn the Amex Business Platinum’s higher welcome offer

The Business Platinum welcome bonus requires some strategy to earn the offer in its entirety since the minimum spending requirement is $20,000 over three months. That’s a considerable amount, but it’s not outside the budget of some small businesses.

By contrast, the Platinum currently has a lower spending requirement to earn its welcome bonus: $8,000 spent within the first six months of card membership. Plus, you have double the time of the business version to reach it.

The personal card’s terms might work better for you, considering you have twice the time to spend less than half the amount of money for the bonus points.

If you haven’t held either card, consider whether you can meet the minimum spending requirement on the Business Platinum organically. If you think it might be a concern, opt for the Platinum.

You spend a lot on flights and hotels

The two cards have very similar earning structures with two subtle (but significant) differences.

First, the personal card earns 5 points per dollar spent on flights booked through Amex Travel, plus directly with airlines, while the Business Platinum only earns 5 points per dollar spent on flights booked through Amex Travel.

Second, the personal card’s bonus-earning on flights is capped at $500,000 in spending per calendar year (then 1 point per dollar after that), while the business version has no such cap.

Both cards earn 5 points per dollar spent on prepaid hotel bookings with Amex Travel.

If you tend to just book flights directly with airlines, the personal card is a better choice. However, if you use Amex Travel for a lot of your travel plans — or if you have that option — then you at least won’t be missing out by charging your reservations to the Business Platinum.

Plus, if you book a lot of flights — more than $500,000 worth per year — with your card, then you’re definitely better off with the business card since its bonus-qualifying spending isn’t capped at that amount.

Related: The best credit cards for paying taxes and fees on award tickets

You can maximize the Amex Business Platinum’s large-transaction and business category bonuses

The Business Platinum has a unique earning structure:

• 2 points per dollar spent on purchases of $5,000 or more
• 2 points per dollar spent on U.S. purchases from construction material and hardware suppliers, electronic goods retailers, shipping providers, and software and cloud system providers

Both have a combined $2 million spending cap per calendar year (then 1 point per dollar).

If you frequently make these types of business purchases — or regularly use your card for transactions of more than $5,000 — then the Business Platinum blows the personal version out of the water.

You might also find creative ways to leverage this purchase bonus on one-off expenditures.

Related: The top 7 credit cards to maximize large purchases

You use Pay with Points for premium travel

One major way the two cards diverge is that the Business Platinum offers cardmembers a bonus of 35% of the points they redeem through Amex’s Pay with Points feature, while the personal version does not. There are a few stipulations.

First, you only receive the 35% points bonus on flights booked through Amex Travel on your designated airline (the same one you selected for the annual up to $200 airline fee statement credit). The ticket can be in any cabin class.

Secondly, you’ll only be able to receive up to 1 million points back per year.

Even if you seldom redeem Membership Rewards points this way, this one benefit can save you tens of thousands of points on a single ticket.

That makes carrying the Business Platinum instead of the personal card well worth it since the latter won’t provide any points bonus when you use Pay with Points.

You prefer the business card’s statement credits

The personal and business versions offer many unique annual statement credits.

The personal card offers quite a few lifestyle statement credits. But if they aren’t for things you actually use (or plan to), why bother trying to track them while juggling the card’s steep annual fee?

The Business Platinum offers hundreds of dollars in annual statement credits with popular merchants. (Enrollment is required for select benefits.)

Plus, with the Business Platinum, you’ll earn up to $1,200 in Amex Travel flight statement credits and up to $2,400 in One AP statement credits (valid from Jan. 1 to Dec. 31 of the calendar year after meeting the requirement), after spending $250,000 or more on eligible purchases (spending on your card this year counts toward the requirement).

While this is a substantial spending requirement, if you can meet it organically, the Business Platinum could be a better option. That said, these benefits aren’t substantial enough to make it worth going out of your way to spend that much on the Business Platinum.

Related: How to decide if a credit card’s annual fee is worth paying

You don’t use Uber that often

The personal card includes up to $15 in Uber Cash each month for rides and Uber Eats orders in the U.S. (The amount increases to up to $35 in December.) That’s a total yearly benefit of up to $200 per calendar year. You must have your Amex Platinum included as a payment option and redeem with any Amex card.

Plus, you’ll get a statement credit for up to $120 each calendar year that fully covers an annual, auto-renewing Uber One membership ($96 annually or $9.99 monthly; enrollment required).

The potential savings available with this benefit are pretty substantial, but remember that these credits don’t roll over from month to month. So, if you don’t use Uber regularly, you might be unable to take full advantage of it.

Related: Who should (and shouldn’t) get the Amex Business Platinum?

Bottom line

Both the Amex Platinum and the Business Platinum are excellent rewards cards with a variety of benefits from which members can reap tremendous value.

Which card is right for you will come down to understanding which one offers the best combination of welcome bonus, ongoing rewards and benefits for your needs.

Consider which card best matches your financial habits and needs, and which card’s other perks you’re most likely to leverage year after year.

All that said, you might want to consider carrying both the personal and business Amex Platinum cards since there are plenty of ways the two cards don’t overlap.

To learn more, check out our full reviews of the Amex Platinum and Amex Business Platinum.

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Apply here: The Business Platinum Card from American Express
Apply here: The Platinum Card from American Express

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For rates and fees of the Amex Business Platinum Card, click here.
For rates and fees of the Amex Platinum Card, click here.

The Walmart+ membership benefit of The Platinum Card® from American Express and the American Express® Business Gold Card is getting more valuable. Beginning Sept. 15, Walmart+ members will have a new choice between two streaming services for no extra cost.

Currently, Walmart+ members can subscribe to the ad-supported Paramount+ Essential plan. But starting next week, members will be able to instead pick the ad-supported Peacock Premium plan. And members won’t be locked into the selection permanently; you can switch between the two services every 90 days.

The standard Walmart+ membership costs $98 plus tax annually (or $12.95 plus tax per month). However, Amex Platinum and Business Gold cardmembers can receive a monthly statement credit for Walmart+ (up to $12.95 plus applicable taxes), offsetting the cost of the membership. Enrollment is required; Plus Ups excluded.

What is Walmart+?

Launched in 2020, Walmart+ is a paid membership program that offers free shipping from Walmart with no order minimum and free same-day grocery delivery on orders of $35 and up (within a reasonable distance).

The program offers several other money-saving benefits. In addition to the new choice between Paramount+ and Peacock streaming, the perks for Walmart+ include:

• Free pharmacy delivery (no order minimum)
• Free 24-hour online support from veterinary experts
• Save on fuel, up to 10 cents off per gallon, at participating gas stations (Exxon, Mobil, Murphy and Walmart) and member prices at Sam’s Club fuel centers
• Auto care benefits, including free flat tire repair, regardless of where the tire was purchased from, and a free road hazard warranty with the purchase and installation of new tires at Walmart
• 25% off Burger King purchases — and a free Whopper every three months
• Free returns from home (no printing or repackaging necessary)
• Up to 5% in Walmart Cash when booking travel through Walmart+ Travel

Note: Walmart+ previously included ad-free access to select content on the Pluto TV streaming service, but that benefit was discontinued as of Sept. 2.

Related: Walmart Cash rewards program: How to earn ‘cash,’ save on your bill and enjoy perks

How to get a complimentary Walmart+ membership

Both the Amex Platinum and Business Gold include up to $12.95 plus applicable taxes in monthly statement credits toward a Walmart+ membership (enrollment required).

To receive the credits, sign up for a monthly Walmart+ membership with automatic renewal or log in to your existing Walmart+ membership account and enter your Platinum or Business Gold card number as the payment method. Statement credits are typically received a few days after the membership is charged each month, but can take up to six to eight weeks.

Annual Walmart+ memberships and the Plus Ups enhanced delivery service do not qualify for the Amex statement credits. If you currently have an annual Walmart+ membership, you must change to the monthly membership plan before your annual membership renews.

Related: Here’s how much value you can get from the Amex Platinum card in your first year

Other ways to get a free Peacock subscription

If you have Walmart+ and don’t want to choose between the two services or switch every 90 days, there are a few ways to still keep your Paramount+ subscription and also subscribe to Peacock for free.

Instacart+

Peacock is free with the Instacart+ grocery delivery service, to which you can get a complimentary three-month membership as an eligible Chase credit card holder or U.S. Mastercard credit or debit card holder. If you continue with your Instacart+ membership after the complimentary three months, the cost is $99 per year or $9.99 per month.

Amex Platinum digital entertainment

The Amex Platinum includes up to $20 in statement credits each month for eligible purchases on Disney+, a Disney+ bundle, ESPN+, Hulu, The New York Times, Peacock and The Wall Street Journal when you purchase directly from one or more of the providers (enrollment required).

Peacock currently has three paid plans: Select for $7.99 per month, Premium for $10.99 per month and Premium Plus for $16.99 per month. Select and Premium have ads, while Premium Plus is ad-free. Your Amex Platinum monthly $20 digital entertainment credit can be put toward any of these Peacock plans.

However, if you’re already using your digital entertainment credit for Peacock but aren’t watching it regularly, you may want to switch between Paramount+ and Peacock every 90 days with your Walmart+ benefit. Then your digital entertainment credit will be freed up to subscribe to one of the other providers.

Eligible Spectrum or Xfinity customers

Spectrum customers with a Spectrum TV Select package receive Peacock Premium for no additional cost.

The following Xfinity subscribers can receive Peacock Premium at no charge:

• Customers with an X1 TV box or Xfinity Flex streaming TV box
• Internet customers with gigabit speeds (free for 24 months)
• Diamond or Platinum Xfinity Rewards members with any level of Xfinity internet service
• Now TV streaming customers

Bottom line

Walmart+ members will be able to choose between two streaming options — a Paramount+ Essential plan or Peacock Premium plan — included for no extra cost as of Sept. 15. Switching between the two plans is allowed every 90 days. This is a nice new benefit — especially if you’re receiving complimentary Walmart+ from your Amex Platinum or Business Gold (separate enrollment required for Paramount+).

Related reading:

Depending on how many credit cards you have, the list of benefits you should be using this month might feel overwhelming. Can you remember all of these perks without help? Maybe not.

Rather than trying to keep track of all of them on your own, we’ve compiled a monthly checklist of credit card perks and benefits you might be eligible for. This should take the guesswork out of your benefits when they expire and their value.

Here are some important reminders for the month of August.

Related: The 13 card benefits TPG’s experts love the most

American Express

There are numerous monthly card perks that you should be using since Amex offers many of its statement credits as monthly amounts, rather than a one-time annual benefit.

It’s important to note that these values are “up to” amounts, meaning this is the maximum you will receive in statement credits. If you spend less than this amount, you will be reimbursed only for that lower amount.

Additionally, your Uber Cash will disappear from your account if unused by the end of the month.

Overall, these are not benefits you can roll over for later. They are “use it or lose it” type credits.

The Platinum Card from American Express

• Up to $12.95 statement credit for a Walmart+ monthly membership (up to $155 per calendar year): Pay with The Platinum Card® from American Express, then receive reimbursement in statement credits for one membership fee per month. Here’s how to enroll (subject to auto-renewal). Plus Up Benefits are not eligible. If you don’t receive the statement credit automatically, it’s worth requesting that any missing credits be applied. The easiest way is via chat (online or through the Amex app). Enrollment is required; terms apply.
• Up to $15 in Uber Cash (additional $20 in December; up to $200 in Uber Cash per calendar year): This can be used for Uber rides or on Uber Eats orders in the U.S. Add your card to your Uber account as a payment method and then redeem with any Amex card. Here’s how to use this benefit (enrollment is required; terms apply)
• Up to $20 digital entertainment statement credit (up to $240 per calendar year): This can be used for a Disney+ Bundle, Disney+, ESPN+, Hulu, Peacock, The New York Times and The Wall Street Journal. Enrollment is required in advance to receive the statement credit; terms apply. Here’s how to use this benefit.

While not a monthly benefit, cardmembers also receive two spending credits with Saks Fifth Avenue on the Amex Platinum each calendar year. From Jan. 1 through June 30 each year, you’ll receive up to $50 in statement credits, plus a separate up to $50 in statement credits from July 1 to Dec. 31, for up to $100 in Saks statement credits each calendar year. Enrollment is required in advance; terms apply.

You can use up to $300 in Equinox statement credits per calendar year. These credits apply to paying for Equinox+ or any Equinox club membership (subject to auto-renewal). Here’s how to use this benefit. Enrollment is required; terms apply.

These benefits and statement credits can help offset the card’s $695 annual fee (see rates and fees).

To learn more, check out our full review of the Amex Platinum.

Related: 10 things to do when you get the Amex Platinum

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Apply here: The Platinum Card from American Express

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The Business Platinum Card from American Express

• Up to $10 wireless credits (up to $120 per calendar year): Pay for an eligible U.S. mobile service provider and receive a statement credit of up to $10 each month. Enrollment is required in advance; terms apply.
• Up to $50 each quarter (up to $200 per calendar year) for eligible Hilton purchases: This statement credit can be used for any eligible purchase at a property in the Hilton portfolio. Note that you must be registered in the Hilton for Business program to participate. Terms apply.

The Business Platinum Card® from American Express doesn’t award credits at Saks or with Uber, but cardmembers can receive up to $1,150 in statement credits per calendar year for U.S. Dell purchases.

You can receive up to $150 in statement credits on U.S. purchases made directly at Dell and then an additional $1,000 statement credit after spending $5,000 or more at Dell from July 1 through Dec. 31 (and for each calendar year thereafter).

These credits help offset this card’s $695 annual fee (see rates and fees).

To learn more, check out our full review of the Amex Business Platinum.

Related: 9 things to do when you get the Amex Business Platinum Card

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Apply here: The Business Platinum Card from American Express

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American Express Gold Card

Use the following benefits to help offset the card’s $325 annual fee (see rates and fees):

• Up to $10 Uber Cash each month (up to $120 per calendar year): Like the perk on the Amex Platinum, this applies to Uber rides and Uber Eats orders in the U.S. Add your American Express® Gold Card to your Uber account as a payment method to receive this benefit, and note that it can stack with the monthly credit on the Amex Platinum if you have both cards. Here’s how to use this benefit. Enrollment is required; terms apply. Uber Cash will only be deposited into one Uber account when you add the Amex Gold as a payment method to use and redeem with any Amex card.
• Up to $10 dining statement credit (up to $120 per calendar year): Use your card to pay at The Cheesecake Factory, Five Guys, Goldbelly, Grubhub and Wine.com to receive up to $10 in monthly statement credits. Enrollment is required in advance; terms apply. Here’s how to use this benefit.
• Up to $7 Dunkin’ credit (up to $84 per calendar year): Cardmembers receive up to $7 in monthly statement credits to be used at Dunkin’ locations within the U.S. This credit can also be used to load your mobile Dunkin’ Donuts account. Enrollment is required; terms apply.
• Up to $100 annual U.S. Resy statement credits: Cardmembers receive two up to $50 semi-annual statement credits per calendar year, one to be used from January to June and another from July to December. Statement credits can be redeemed by dining at a restaurant in the U.S. that accepts Resy reservations and paying with your Amex Gold, as well as on other eligible Resy purchases. A reservation is not required to earn the statement credit. Enrollment is required; terms apply.

To learn more, check out our full review of the Amex Gold.

Related: American Express Gold checklist: 5 things to do when you get the card

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Apply here: American Express Gold Card

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American Express Business Gold Card

• Up to $20 flexible business credit (up to $240 per calendar year): Cardmembers can earn up to $20 in statement credits per month on eligible U.S. purchases at FedEx, Grubhub, and office supply stores. Enrollment required; terms apply.

These statement credits can easily help offset the American Express® Business Gold Card $375 annual fee (see rates and fees).

To learn more, check out our full review of the Amex Business Gold.

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Apply here: American Express Business Gold Card

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Delta cobranded cards

Related: How to maximize the new statement credits on the Delta Amex cards

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Hilton Honors American Express Aspire Card

• Up to $200 Hilton Resorts credit every six months (up to $400 per calendar year): Use your Hilton Amex Aspire at participating Hilton Resorts to pay for eligible purchases, such as room charges and incidentals. This benefit is divided into two $200 semi-annual credits, one for use from January to June and another for use from July to December.
• Up to $50 in flight credits per quarter (up to $200 per calendar year): Pay for a flight directly with an airline or through AmexTravel.com and receive up to $50 in statement credits each quarter. Datapoints tell us you may be able to use this credit for seat upgrades, award taxes and fees and to reload your United TravelBank balance.

The information for the Hilton Amex Aspire card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

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Learn more: Hilton Honors American Express Aspire Card

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Hilton Honors American Express Surpass Card

• Up to $50 Hilton credit per quarter (up to $200 per calendar year): Receive up to $50 in statement credits each quarter on purchases charged directly with a property within the Hilton portfolio, including bookings and incidental charges. Datapoints tell us you may be able to use this credit for dining and gift store purchases at a Hilton property and online Hilton gift card purchases, even if you aren’t staying at a property. Terms apply.

To learn more, check out our full review of the Hilton American Express Surpass® Card.

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Apply here: Hilton Honors American Express Surpass Card

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The Hilton Honors American Express Business Card

• Up to $60 Hilton credit per quarter (up to $240 per calendar year): Receive up to $60 in statement credits each quarter on purchases charged directly with a property within the Hilton portfolio, including bookings and incidental charges such as dining and spa services. See our advice for the Surpass credit above. Terms apply.

To learn more, check out our full review of the Hilton Honors American Express Business Card.

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Apply here: The Hilton Honors American Express Business Card

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Marriott Bonvoy Brilliant American Express Card

• Up to $25 in monthly dining statement credits (up to $300 per calendar year): This card offers up to $25 in monthly dining statement credits at restaurants worldwide. You don’t need to enroll for this benefit in advance — swipe your card at an eligible restaurant, and you should receive the statement credit within a few days. Terms apply.

To learn more, check out our full review of the Marriott Bonvoy Brilliant® American Express® Card.

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Apply here: Marriott Bonvoy Brilliant American Express Card

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Chase

Select Chase credit cards offer perks on a monthly basis, so a new month means you have a fresh batch of credits to use.

Chase Sapphire Reserve

• $5 DoorDash credits: When you add your Chase Sapphire Reserve® card (see rates and fees) as a payment method to your DoorDash account, Chase will add up to $5 in credits at the beginning of each month. Note that this credit applies only for $5 off restaurant orders, and that it doesn’t roll over month to month. These credits are in addition to the card’s complimentary DashPass membership (activate by Dec. 31, 2027).
• $20 DoorDash non-restaurant credits: With an activated Sapphire Reserve DashPass membership, cardholders receive two promos of up to $10 off each calendar month at checkout on grocery, convenience or other non-restaurant orders on DoorDash. Only one promo may be used per order.
• $10 in Lyft credits: Cardholders will receive a $10 ride credit every month with their Sapphire Reserve, for a total of $120 in credits each year. These credits do not roll over month to month, so it’s important to use yours before the end of the month. This benefit runs through Sept. 30, 2027.

To learn more, check out our full review of the Sapphire Reserve.

Related: Chase Sapphire Reserve statement credits: What they are and how to use them

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Apply here: Chase Sapphire Reserve

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Chase Sapphire Reserve for Business

• $5 DoorDash credits: When you add your Chase Sapphire Reserve for Business℠ (see rates and fees) as a payment method to your DoorDash account and activate your complimentary DashPass membership by Dec. 31, 2027, Chase will provide up to $5 in credits at the beginning of each month.
• $20 DoorDash non-restaurant credits: With an activated Sapphire Reserve for Business DashPass membership, receive two promos of up to $10 off each calendar month at checkout on grocery, convenience or other non-restaurant orders on DoorDash. Only one promo may be used per order. Valid through Dec. 31, 2027.
• $10 in Lyft credits: Receive a $10 in-app credit every month, for a total of $120 in credits each year. Credits do not roll over month to month. This benefit runs through Sept. 30, 2027.

To learn more, check out our full review of the Sapphire Reserve for Business.

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Apply here: Chase Sapphire Reserve for Business

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Chase Sapphire Preferred Card

• $10 DoorDash non-restaurant credits: Cardholders with an activated Chase Sapphire Preferred® Card (see rates and fees) DashPass membership, receive one promo of up to $10 off each calendar month at checkout on one grocery, convenience or other non-restaurant order on DoorDash. Activate your DashPass membership by Dec. 31, 2027 to use this benefit.

Cardholders can also use a $50 hotel credit each year when booking through Chase Travel℠. If you haven’t used yours yet this year, here’s how to use this benefit.

To learn more, check out our full review of the Sapphire Preferred.

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Apply here: Chase Sapphire Preferred Card

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Chase Freedom (not open to new applicants) and Chase Freedom Flex

• Up to 5% cash back: Current categories include gas and electric vehicle charging, Instacart and select live entertainment. You’ll receive 5% cash back on these categories on up to $1,500 of combined spending each quarter (then 1% back). You must activate your categories to enjoy higher earning rates. The quarter ends on Sept. 30 (and you must activate by Sept. 14), so you have until then to register and maximize these earnings.
• $10 DoorDash non-restaurant credits: Cardholders of any Chase Freedom or Slate family cards receive one promo of up to $10 off each quarter at checkout on one grocery, convenience or other non-restaurant order on DoorDash via a DashPass membership. Your DashPass membership must be activated by Dec. 31, 2027 to receive this benefit.

Remember: Even though the Chase Freedom and Chase Freedom Flex® (see rates and fees) cards are technically cash-back products, you can turn these earnings into fully transferable Ultimate Rewards points if you also have a premium Chase card like the Sapphire Preferred or Sapphire Reserve.

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United cobranded cards

• Ride-hailing credit: Several cobranded United credit cards offer varying levels of ride-hailing statement credit per month. The United℠ Explorer Card (see rates and fees) offers up to $5 in statement credits per month, while the United Quest℠ Card (see rates and fees) and United℠ Business Card (see rates and fees) each offer up to $8 in statement credits per month between January to November and up to $12 in statement credits in December. Meanwhile, the United Club℠ Card (see rates and fees) and United Club℠ Business Card each offer up to $12 credits per month from January to November and up to $18 credits in December. Yearly opt-in is required in order to earn your monthly credit.
• Instacart credit: The United Club Card and United Club Business both offer two $10 monthly credits, whereas the United Quest provides one $10 and one $5 monthly credit. Meanwhile, the United Explorer and United Business each provide a $10 monthly credit. Instacart benefits end Dec. 31, 2027.

The information for the United Club Business has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

Related: Current United card welcome bonuses

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Citi

Check out these must-use benefits for certain Citi cards.

Citi / AAdvantage Executive World Elite Mastercard

The Citi® / AAdvantage® Executive World Elite Mastercard® (see rates and fees) card has several benefits, including the following monthly credits:

• $10 in monthly Lyft credit after three rides: Use your card as the payment method in your account and get a $10 Lyft credit after taking three rides in a month.
• Up to $10 back with Grubhub: When you use your card for Grubhub purchases, you’ll receive up to $10 in monthly statement credits.

To learn more, check out our full review of the AAdvantage Executive World Elite Mastercard.

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Apply here: Citi / AAdvantage Executive World Elite Mastercard

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Citi Dividend Card (not open to new applicants)

• 5% cash back: You can earn 5% cash back each quarter on rotating categories. Unlike other cards that limit your bonus earnings within the quarter, Citi® Dividend cardholders can earn 5% bonus cash back on up to $6,000 of spending across the year (then 1% back thereafter), meaning you could maximize your 5% earnings for the whole year during a quarter where the bonus categories are more advantageous for you. Remember to activate your current categories, which include gas stations and home improvement stores. These categories are active through Sept. 30.

The information for the Citi Dividend card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

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Discover

Discover it Cash Back

• 5% cash back: Each quarter, you can earn 5% cash back on up to $1,500 in combined spending on rotating categories, then unlimited 1% cash back. Remember to activate your current categories, which include gas stations, EV charging, public transit and utilities.

The information for the Discover it® Cash Back has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

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Learn more: Discover it Cash Back

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U.S. Bank

Have a U.S. Bank credit card? Pay close attention to this section so you don’t miss out on important benefits.

U.S. Bank Cash+ Visa Signature Card

• 5% cash back: Each quarter, you can earn 5% cash back on up to $2,000 in combined spending on rotating categories (then 1% back) with your U.S. Bank Cash+® Visa Signature® Card. You must choose your categories each quarter and activate them for the bonus to apply. The current quarter runs through Sept. 30, and categories include: cellphone providers, department stores, electronics stores, fast food, furniture stores, ground transportation, gyms/fitness centers, home utilities, movie theaters, select clothing stores, sporting goods stores and TV, internet and streaming services.

The information for the U.S. Bank Cash+ has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

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Learn more: U.S. Bank Cash+ Visa Signature Card

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World Elite Mastercards

World Elite Mastercards have benefits that may be separate from what your card’s issuer offers.

World Elite Mastercards

Numerous banks issue a World Elite Mastercard. Common products under this umbrella include the Citi Strata Premier® Card (see rates and fees), the IHG One Rewards Premier Credit Card (see rates and fees) and the Chase Freedom Flex.

Here’s what cardholders can use each month on these cards:

• $5 in monthly Lyft credit after three rides: Use your card as the payment method in your account and get a $5 Lyft credit after taking three rides in a month. This benefit runs through Jan. 1, 2026.
• Up to $5 off monthly Peacock subscriptions: Use your eligible card to pay for a monthly Peacock streaming subscription and enjoy a $3 statement credit every month for Peacock Premium or a $5 statement credit every month for Peacock Premium Plus (the ad-free version). This benefit runs through Dec. 31.
• $10 off your second Instacart order: Join with your eligible card to enjoy two free months of Instacart+, plus $10 off your second order placed each month. This benefit runs through Aug. 31.

Related: The 9 most valuable World Elite Mastercard benefits

Bottom line

Using the perks and benefits on your credit cards is critical for maximizing their value and justifying the cards’ annual fees. Some credit cards make this easy, offering you benefits as a one-time perk to use each year. Other benefits must be used in monthly increments, and it can be easy to forget about them.

This monthly checklist of credit card perks will help you remember to use them now that it’s the start of a new month.

Related: Don’t miss out: Get perks just for signing up with these loyalty programs

For rates and fees of the Amex Gold, click here.
For rates and fees of the Amex Business Gold, click here.
For rates and fees of the Amex Platinum, click here
For rates and fees of the Amex Business Platinum, click here.