Monthly checklist: Credit card perks and benefits to use

September is the perfect time to review your credit card perks and benefits before they expire. Check for monthly statement credits on dining, streaming, or rideshares (like with Amex Platinum, Chase Sapphire, or Capital One Savor). Use airline incidental credits, Uber or Lyft credits, and hotel loyalty perks like free night certificates or status boosts. Redeem any expiring points, activate quarterly 5% cashback categories (e.g., Discover, Chase Freedom), and track spending thresholds for annual bonuses. Don’t forget cell phone protection, purchase protection, and extended warranties. Maximizing these perks each month helps you get the most value year-round.