Jump to section Facebook Twitter LinkedIn Copy URL Email The cards we feature here are from partners who compensate us when you are approved through our site, and this may impact how or where these products appear. We don’t cover all available credit cards, but our analysis, reviews, and opinions are entirely from our editorial team. Terms apply to the offers listed on this page. Please view our advertising policy and product review methodology for more information. Quarterly benefits are among the more challenging credit card perks to keep up with.
When it comes to quarterly statement credits , you have three months to use them up before they expire. With quarterly bonus categories, you have to memorize a new set in each quarter to ensure you're getting the best return for your spending .
With the end of the third quarter approaching, now is a good time to check which benefits you still have left to use. Most Q3 statement credits and bonus categories reset after Sept. 30, meaning you have just a few weeks left to maximize them.
Here are the perks you'll want to use before the end of September 2026. Bookmark this article, and come back in October when Q4 begins.
There are a few Amex cards with quarterly benefits you'll want to take advantage of. Here's what to know.
The Business Platinum Card® from American Express has two statement credits that reset each quarter. These help offset the Business Platinum's $895 annual fee (see rates and fees ).
Enrollment is required for select benefits.
To learn more, read our full review of the Amex Business Platinum .
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With the American Express Platinum Card® , there are a pair of quarterly statement credits that help offset its $895 annual fee (see rates and fees ).
Enrollment is required for select benefits.
To learn more, read our full review of the Amex Platinum .
The Hilton Honors American Express Aspire Card has one quarterly benefit you'll want to maximize.
To learn more, read our full review of the Hilton Aspire .
The quarterly statement credit on The Hilton Honors American Express Business Card is a highlight perk.
To learn more, read our full review of the Hilton Business Amex .
The Hilton Honors American Express Surpass® Card 's quarterly statement credit is one of the card's top benefits.
To learn more, read our full review of the Hilton Surpass .
Related: How to maximize benefits with the American Express Platinum
Two Chase cards provide rotating quarterly bonus categories for cardholders to maximize.
If you have the Chase Freedom Flex® (see rates and fees ) or legacy Chase Freedom® (no longer available to new applicants), you have access to bonus categories that change every quarter.
To learn more, read our full review of the Chase Freedom Flex .
The information for the Chase Freedom 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: Chase Freedom Q3 categories: 5% back on EV charging, gas stations, live entertainment, transit and United Way
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