Monthly checklist: Credit card perks and benefits you should be using in April

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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 April.

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 each calendar year): Pay with The Platinum Card® from American Express, then receive reimbursement in statement credits for up to 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 any missing credits be applied. The easiest way is via chat (online or through the Amex app). Enrollment is required; terms apply.
Up to $20 in Uber Cash (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 every calendar year): This can be used for the 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 31 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.

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You can use up to $300 in Equinox statement credits each 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.

Apply here: The Platinum Card from American Express

The Business Platinum Card from American Express

Up to $10 wireless credits (up to $120 each 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 each calendar year) for eligible Hilton purchases: This 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 do receive up to $400 in statement credits every calendar year for Dell purchases (this benefit ends June 30, 2025).

This is split into up to $200 in credits from January to June and another up to $200 from July to December. You can use your credits for the first half of the year now. Enrollment is required in advance; terms apply.

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.

Apply here: The Business Platinum Card from American Express

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 each 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 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 every 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 Resy credits: Cardmembers receive two up to $50 semi-annual statement credits each calendar year, one to be used from January to June and another one 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.

Apply here: American Express Gold Card

Delta cobranded cards

Resy credit: You'll receive a monthly statement credit of up to $10 for U.S. restaurant purchases (up to $120 per calendar year) on the Resy platform with the Delta SkyMiles® Platinum American Express Card and Delta SkyMiles® Platinum Business American Express Card; and up to $20 in statement credits each month (up to $240 per calendar year) with the Delta SkyMiles® Reserve American Express Card and Delta SkyMiles® Reserve Business American Express Card. Enrollment is required; terms apply.
Ride-hailing credit: You'll receive up to $10 in monthly statement credits for U.S. ride-hailing services, including Uber, Lyft, Revel, Curb or Alto, if you have the consumer or business version of the Delta Platinum or Delta Reserve card. Enrollment is required; terms apply.

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.

Enrollment is required for select benefits; terms apply.

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.

Learn more: Hilton Honors American Express Aspire Card

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.

Apply here: Hilton Honors American Express Surpass

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.

Apply here: Hilton Honors American Express Business

Marriott Bonvoy Brilliant American Express Card

Up to $25 in monthly dining credits (up to $300 each 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.

Apply here: Marriott Bonvoy Brilliant American Express Card

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 $5 in credits at the beginning of each month. You can roll over a maximum of three months of credits, so you could now have up to $15 to use if you didn't use any credits over the past two months. Note that this credit applies to only $5 off restaurant orders. 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 September 2027.

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

Apply here: Chase Sapphire Reserve

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.

Apply here: Chase Sapphire Preferred Card

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

Up to 5% cash back: Current categories include Amazon purchases and select streaming services. 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 June 30 (and you must activate by June 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.

The information for the Chase Freedom 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.

Apply here: Chase Freedom Flex

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 per month, while the United Quest℠ Card (see rates and fees) and United℠ Business Card (see rates and fees) each offer up to $8 per month between January to November and up to $12 in December. Meanwhile, the United Club℠ Card (see rates and fees) and United Club℠ Business Card each offer up to $12 per month between January to November and up to $18 in December. Yearly opt-in is required in order to earn credit.

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.

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.

In 2024, Citi devalued the annual up to $120 Avis-Budget car rental credit on this card. To use the credit, you must book a prepaid rental with either Avis or Budget.

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

Apply here: Citi / AAdvantage Executive World Elite Mastercard

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 Citi Travel and grocery stores. These categories are active through June 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.

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 grocery stores and wholesale clubs.

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.

Learn more: Discover it Cash Back

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 June 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.

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

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.

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.

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

Editorial disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

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