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2021 End Of Year Checklist. Use Your Expiring Annual Credits ASAP

- Dec 29, 2021 Credit Card Info, Travel0 comments

The end of the year is coming up. We’ll be closing up 2021 soon and with it, there will be millions of dollars in CC annual credits that will be expiring.

But make sure that your portion of the millions of dollars in credits does get used. 

Annual credits sometimes go based on the cardmember anniversary year and in that case every cardmember has a different end date according to when they opened the card, and some annual credits go based on the calendar year which expire 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 2021 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

Amex Platinum (all flavors) (Annual fee $695)

These are the credits for the Amex Platinum card that will be expiring by the end of the 2021 calendar year:

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: Peacock, Audible, SiriusXM, and New York Times (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.
  • $25 credit per month on select Equinox memberships (you can get a total of $300 Equinox statement credit per year). Enrollment is required.

Amex Platinum Business  (Annual fee $595)

These are the credits for the Amex Platinum Business card that will be expiring by the end of the 2021 calendar year:

  • $200 airline incidental fee credit (here are some creative ways they can be used).
  • $400 in statement credits for purchases at Dell ($200 credits twice a year). Dell charges the card as soon as the item ships. It may be too late to catch the credit for 2021.
  • $360 Indeed credit per year. Get up to $90 each quarter for purchases made at Indeed.
  • $179 statement credit for Clear
  • $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).

Amex Gold Card  (Annual fee $250)

There are no credits for the Amex Gold card that will be expiring by the end of the 2021 calendar year, but use these monthly credits now, before the month is up:

  • Get $100 airline incidental fee credit
  • $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, Ruth’s Chris Steak House, Shake Shack (not all locations), and Boxed.com (you can get a total of $120 a year).

American Express Green Card  (Annual fee $150)

These are the credits for the Amex Green card that will be expiring by the end of the 2021 calendar year:

  • $100 in statement credits per calendar year on Lounge Buddy purchases.
  • $100 statement credit for Clear

American Express Gold Delta  (Annual fee $99)

These are the credits for the Amex Gold Delta card that will be expiring by the end of the 2021 calendar year:

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

American Express Gold Delta Business  (Annual fee $99)

These are the credits for the Amex Gold Delta Business card that will be expiring by the end of the 2021 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 2021 calendar year:

  • $250 airline fee credit per year for incidental fees (here are some creative ways they can be used).
  • $250 credit each year for purchases at participating Hilton Resorts. 
  • $100 property credit when booking 2 nights or more at Waldorf Astoria or Conrad Hotels (book here hiltonhonorsaspirecard.com or reference ZZAAP1 when booking by phone).

Marriott Bonvoy Brilliant American Express Card  (Annual fee $450)

These are the credits for the Marriott Bonvoy Brilliant American Express Card that will be expiring by the end of the 2021 calendar year:

  • $300 credits per calendar year for eligible purchases at Marriott Bonvoy hotels.

Chase

Chase Sapphire Reserve   (Annual fee $550)

These are the credits for the Chase Sapphire Reserve card that will be expiring by the end of the 2021 calendar year:

  • $60 DoorDash credit each calendar year (through 12/31/21).
  • $120 statement credit for Peloton Digital and All Access Memberships (through 12/31/21).

Chase Sapphire Preferred (Annual fee $95)

These are the credits for the Chase Sapphire Preferred card that will be expiring by the end of the 2021 calendar year:

  • $60 statement credit for Peloton Digital and All Access Memberships (through 12/31/21).

Bank of America

Bank Of America Premium Rewards Card  (Annual fee $95)

These are the credits for the Bank Of America Premium Rewards Card that will be expiring by the end of the 2021 calendar year:

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

Citi

Citi Premier card  (Annual fee $95)

These are the credits for the Citi Premier card that will be expiring by the end of the 2021 calendar year:

  • $100 credit when you book a single hotel stay of $500 or more, excluding taxes and fees.

Citi Prestige  (Annual fee $495)

These are the credits for the Citi Prestige card that will be expiring by the end of the 2021 calendar year:

  • $250 travel credit every calendar year for travel purchases
Frequently asked questions
Is the $300 travel credit on the Venture X card based on the calendar year or the card membership year?
The $300 credit is based on the card membership year.
If I book through the Chase travel portal using points do I still get the credit card coverages?
Yes. Chase will honor all your Chase credit card protections when booking through the Chase travel portal using your Chase points

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Sam Sam has nearly a decade's worth of experience educating his many readers on everything credit. Sam spends his days checking out credit cards for a full report, from the minute benefit details to the shebang of welcome bonuses. Plus studying the ins and outs of building proper credit. It’s his favorite pastime and he loves sharing it with others.

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