The end of the year is coming up. We’ll be closing up 2023 soon and with it, there will be millions of dollars in credit card annual credits that will be expiring.

Make sure your portion of the millions of dollars in credits does get used. 

Annual credits sometimes go based on the cardmember’s anniversary year and in that case, every cardmember has a different end date according to when they opened the card. But some annual credits go based on the calendar year, which expires on January 1st for all cardmembers. In this post we’ll discuss the credits that are based on the calendar year and will be expiring January 1st.

Here is our end of year checklist 2023 addition. 

If you have any of the following cards, make sure to use the credits before the end of the calendar year. You don’t want any unused credits to go to waste. Use them asap.

Amex

card_name (all flavors) (Annual fee $695)

These are the credits for card_name that will be expiring by the end of the 2023 calendar year:

• $200 airline incidental fee credit (here are some creative ways they can be used).
• $200 statement credit for prepaid Fine Hotels and Resorts and The Hotel Collection bookings made through Amex Travel.
• $189 statement credit for Clear
• $50 statement credit at Saks Fifth Avenue (You get a total of $100 in statement credits each calendar year for purchases at Saks Fifth Avenue – a $50 statement credit from January through June and a $50 statement credits from July through December)
• $300 Equinox statement credit per calendar year
• $100 statement credit for Schwab Holdings greater than $250,000, or a 
• $200 statement credit for Schwab Holdings greater than $1,000,000, per calendar year (only on the Platinum Schwab card)

Make sure to use also these monthly credits now, before the month is up:

• $12.95 monthly Walmart+ Membership credit. It covers the full cost of a Walmart+ membership.
• $20 per month for digital entertainment on purchases at the following providers: Audible, Disney+, The Disney Bundle, ESPN+, Hulu, Peacock, SiriusXM, and The New York Times. Enrollment is required (you can get a total of  $240 credit per year).
• $15 Uber cash per month plus get a bonus of $20 this month of December (you can get a total of $200 a year, once this card is added to your Uber account). Credits can be used for UberEats orders or Uber rides in the US.

card_name (Annual fee $695)

These are the credits for card_name that will be expiring by the end of the 2023 calendar year:

• $200 airline incidental fee credit (here are some creative ways they can be used).
• $200 statement credit at Dell (You get a total of $400 in statement credits for purchases at Dell per calendar year – up to $200 between January and June and up to $200 between July and December). 
• $90 Indeed credit (You get a total of $360 in credits for purchases made at Indeed – up to $90 each quarter).
• $189 statement credit for Clear per year
• $150 annual Adobe subscription credit.

Make sure to use also these monthly credits now, before the month is up:

• $10 per month on wireless purchases made on your card (you can get a total of $120 credit per year).

card_name (Annual fee $250)

There are no credits for the card_name that will be expiring by the end of the 2023 calendar year, but use these monthly credits now, before the month is up:

• $10 Uber cash credit per month once your card is added to your Uber account (you can get a total of $120 a year). Credits can be used for UberEats orders or Uber rides in the US.
• $10 statement credit per month for purchases at Grub hub, Seamless, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar, and select Shake Shack locations. You must enroll in this benefit. (you can get a total of $120 a year).

card_name (Annual fee $375)

There are no credits for the card_name that will be expiring by the end of the 2023 calendar year, but use these monthly credits now, before the month is up:

• $12.95 monthly credit to cover the full cost of a Walmart+ membership.
• $20 monthly statement credit for eligible U.S. purchases at either FedEx, Grubhub, or Office Supply Stores.

card_name (Annual fee $150)

These are the credits for the card_name that will be expiring by the end of the 2023 calendar year:

• $189 statement credit for Clear

card_name (Annual fee $99)

These are the credits for the card_name that will be expiring by the end of the 2023 calendar year:

• $100 Delta flight credit you can get after spending $10,000 within a calendar year.

card_name (Annual fee $99)

These are the credits for the card_name that will be expiring by the end of the 2023 calendar year:

• $100 Delta flight credit you can get after spending $10,000 within a calendar year.

Hilton Honors Amex Aspire Card (Annual fee $450)

These are the credits for the Hilton Honors Amex Aspire Card that will be expiring by the end of the 2023 calendar year:

• Ending 12/31/23! $250 airline fee credit per year for incidental fees (here are some creative ways they can be used).
• $200 statement credit at Hilton resorts (You get up to a total of $400 per calendar year – $200 each half a year). 
• $189 CLEAR statement credit per calendar year.
•  $50 credit for paid flights booked directly with the airline or on Amex Travel (You get up to a total of $200 in credits per year – $50 each quarter). 

Amex Hilton Surpass Card (Annual fee $95)

There are no credits for the Amex Hilton Surpass Card  that will be expiring by the end of the 2023 calendar year, but use these quarterly credits now, before the quarter is up:

• $50 credit each quarter for Hilton bookings. 

card_name (Annual fee $650)

There are no credits for the card_name that will be expiring by the end of the 2023 calendar year, but use these monthly credits now, before the month is up:

• $25 credit monthly for purchases at restaurants worldwide

card_name (Annual fee $95)

There are no credits for the card_name that will be expiring by the end of the 2023 calendar year, but use these monthly credits now, before the month is up:

• $10 per month on Equinox select memberships (you can get a total of $120 a year). Enrollment is required
• $7 credit each month after spending $12.99 or more each month on an eligible subscription to The Disney Bundle (Disney+, Hulu, and ESPN+)

card_name(Annual fee $0)

There are no credits for the card_name that will be expiring by the end of the 2023 calendar year, but use these monthly credits now, before the month is up:

• $15 each month for purchases at Home Chef meal kits
• $7 credit each month after spending $12.99 or more each month on an eligible subscription to The Disney Bundle (Disney+, Hulu, and ESPN+)

Chase

card_name (Annual fee $550)

There are no credits for the card_name that will be expiring by the end of the 2023 calendar year, but use these monthly credits now, before the month is up:

• $5 credit each month for DoorDash. The credit gets added to your DoorDash wallet and expires after 3 months (it is possible to combine three months’ credits for a single $15 order). Credit is running from April 2022 through December 2024.
• $15 Instacart statement credit each month plus a free Instacart+ membership for 12 months

card_name (Annual fee $95)

There are no credits for the card_name  that will be expiring by the end of the 2023 calendar year, but use these monthly credits now, before the month is up:

• $15 Instacart statement credit each quarter plus a free Instacart+ membership for 6 months

card_name (Annual fee $0)

There are no credits for the card_name that will be expiring by the end of the 2023 calendar year, but use these quarterly credits now, before the quarter is up:

• $10 Instacart statement credit each quarter plus a free Instacart+ membership for 3 months

Chase Freedom Flex (Annual fee $0)

There are no credits for the Chase Freedom Flex that will be expiring by the end of the 2023 calendar year, but use these quarterly credits now, before the quarter is up:

• $10 Instacart statement credit each quarter plus a free Instacart+ membership for 3 months

card_name (Annual fee $0)

There are no credits for the card_name that will be expiring by the end of the 2023 calendar year, but use these quarterly credits now, before the quarter is up:

• $10 Instacart statement credit each quarter plus a free Instacart+ membership for 3 months

card_name (Annual fee $0)

There are no credits for the card_name that will be expiring by the end of the 2023 calendar year, but use these quarterly credits now, before the quarter is up:

• $10 Instacart statement credit each quarter plus a free Instacart+ membership for 3 months

Chase Freedom Rise (Annual fee $0)

There are no credits for the Chase Freedom Rise that will be expiring by the end of the 2023 calendar year, but use these quarterly credits now, before the quarter is up:

• $10 Instacart statement credit each quarter plus a free Instacart+ membership for 3 months

card_name (Annual fee $99)

These are the credits for the card_name that will be expiring by the end of the 2023 calendar year:

• $25 United Travel cash (You can get a total of $50 per calendar year – $25 on January 1st and another $25 on July 1st). Please note: The credit issued between January 1st and June 30th will expire on July 15th and the credit issued from July 1st through December 31st will expire on January 15th.

card_name (Annual fee $99)

These are the credits for the card_name that will be expiring by the end of the 2023 calendar year:

• $25 United Travel cash (You can get a total of $50 per calendar year – $25 on January 1st and another $25 on July 1st). Please note: The credit issued between January 1st and June 30th will expire on July 15th and the credit issued from July 1st through December 31st will expire on January 15th.

card_name (Annual fee $199)

These are the credits for the card_name that will be expiring by the end of the 2023 calendar year:

• $50 statement credit after spending $50 or more at any Hyatt property, twice a year.

Bank of America

card_name (Annual fee $95)

These are the credits for the card_name that will be expiring by the end of the 2023 calendar year:

• $100 airline incidental fee credit to cover purchases like seat upgrades, luggage overweight fee, etc.

Bank Of America Premium Rewards Elite Credit Card (Annual fee $550)

These are the credits for the Bank Of America Premium Rewards Elite Credit Card that will be expiring by the end of the 2023 calendar year:

• $300 airline incidental statement credit per calendar year to cover purchases like seat upgrades, luggage fees, inflight service, and airline lounge fees etc.
• $150 in statement credits per calendar year for lifestyle purchases, including streaming services, food delivery, fitness subscriptions, and rideshare services.

Barclays

RCI Elite Rewards Mastercard (Annual fee $0)

These are the credits for the RCI Elite Rewards Mastercard that will be expiring by the end of the 2023 calendar year:

• $250 credit towards an RCI vacation after spending $10,000 each calendar year

JetBlue Plus Card (Annual fee $99)

These are the credits for the JetBlue Plus Card that will be expiring by the end of the 2023 calendar year:

• $100 credit for using your card for a JetBlue vacation package each calendar year.

JetBlue Business (Annual fee $99)

These are the credits for the JetBlue Business that will be expiring by the end of the 2023 calendar year:

• $100 credit for using your card for a JetBlue vacation package each calendar year.

Capital One

card_name (Annual fee $0)

There are no credits for the card_name that will be expiring by the end of the 2023 calendar year, but use these quarterly credits now, before the quarter is up:

• Complimentary Uber One monthly membership in statement credits, (value of $9.99 per month), for up to to 6 months, through 11/14/2024.

card_name (Annual fee $39)

There are no credits for the card_name that will be expiring by the end of the 2023 calendar year, but use these quarterly credits now, before the quarter is up:

• Complimentary Uber One monthly membership in statement credits, (value of $9.99 per month), for up to to 6 months, through 11/14/2024.

Capital One Quicksilver Secured Cash Rewards Credit Card (Annual fee $0)

There are no credits for the Capital One Quicksilver Secured Cash Rewards Credit Card that will be expiring by the end of the 2023 calendar year, but use these quarterly credits now, before the quarter is up:

• Complimentary Uber One monthly membership in statement credits, (value of $9.99 per month), for up to to 6 months, through 11/14/2024.

Citi

card_name (Annual fee $595)

These are the credits for the card_name that will be expiring by the end of the 2023 calendar year:

• $120 in credits on Avis and Budget car rentals each calendar year.

Make sure to use also these monthly credits now, before the month is up:

• $10 credit statement each month on Grubhub purchases.
• $10 Lyft credit after your first 3 rides each month.

Citi AT&T Points Plus Card (Annual fee $0)

There are no credits for the Citi AT&T Points Plus Card that will be expiring by the end of the 2023 calendar year, but use these quarterly credits now, before the quarter is up:

• $20 statement credit every billing cycle you spend $1,000 and more on your card, or get a $10 statement credit for billing cycles you spend only $500-$999.999.

Wells Fargo

Bilt Mastercard® (Annual fee $0)

There are no credits for the Bilt Mastercard® that will be expiring by the end of the 2023 calendar year, but use these quarterly credits now, before the quarter is up:

• $5 off your first order each month, plus get a free DoorDash membership for 3 months. 
• $5 Lyft credit when you take 3 rides per month.

US Bank

U.S. Bank FlexPerks Gold Amex Card (Annual fee $85)

There are no credits for the U.S. Bank FlexPerks Gold Amex Card that will be expiring by the end of the 2023 calendar year, but use these quarterly credits now, before the quarter is up:

• $25 credit towards airline incidental fees for overweight baggage fees, seat upgrades, etc. when you book a round trip flight with your FlexPerks points.

Others

card_name (Annual fee $0)

These are the credits for the card_name that will be expiring by the end of the 2023 calendar year:

• $50 for car detailing at an eligible GM dealer every calendar year

card_name (Annual fee $0)

There are no credits for the card_name that will be expiring by the end of the 2023 calendar year, but use these quarterly credits now, before the quarter is up:

• $5 off 2 DoorDash orders per month for DashPass members
• $5 towards Lyft rides after completing your first 3 rides each month.