Credit Card Credit Expiration Calendar
A source-backed calendar for tracking monthly, semi-annual, annual, and cardmember-year credit card credits before value disappears.
Last updated: May 2026
Start With The Fastest Expiring Credits
Monthly credits expire fastest and deserve the tightest reminders. Start with Uber, dining, entertainment, and subscription credits; then track semi-annual credits like Saks, Resy, and hotel credits; finally track annual and cardmember-year travel credits before renewal decisions.
The goal is not to memorize every benefit. Put each recurring credit into the right reset bucket, set one reminder before the window closes, and count only used value when you review the annual fee.
Track These First
Jump To A Reset Type
Credit Calendar
| Credit | Reset window | Use before |
|---|---|---|
| Amex Platinum Uber Cash Up to $15 per month, plus a December bonus | Monthly credits Calendar based | Unused monthly Uber Cash does not roll over after the monthly benefit period. |
| Amex Platinum Digital Entertainment Credit Up to $25 per month | Monthly credits Calendar based | Treat as a monthly use-it-or-lose-it credit for tracking purposes. |
| Amex Platinum Saks Fifth Avenue Credit Up to $50 per half-year | Semi-annual credits Calendar based | Unused value expires at the end of each half-year window. |
| Amex Platinum Airline Fee Credit Up to $200 per calendar year | Annual credits Calendar based | Unused annual credit expires at calendar year end. |
| Amex Platinum Prepaid Hotel Credit Up to $300 per half-year | Semi-annual credits Calendar based | Track each half-year window separately; unused value does not carry to the next window. |
| Amex Gold Uber Cash Up to $10 per month | Monthly credits Calendar based | Unused monthly Uber Cash does not roll over. |
| Amex Gold Dining Credit Up to $10 per month | Monthly credits Calendar based | Unused monthly value does not carry forward. |
| Amex Gold Resy Credit Up to $50 per half-year | Semi-annual credits Calendar based | Track January through June and July through December separately. |
| Chase Sapphire Reserve Travel Credit Up to $300 per account year | Annual credits Cardmember year | Unused credit expires when the cardmember-year benefit period ends. |
| Chase Sapphire Preferred Chase Travel Hotel Credit Up to $50 per account year | Annual credits Cardmember year | Resets every cardmember anniversary year and does not compound. |
| Capital One Venture X Capital One Travel Credit Up to $300 per account year | Annual credits Cardmember year | Track by account anniversary timing. |
| Citi Strata Elite Hotel Credit Up to $300 per calendar year | Annual credits Calendar based | Unused annual hotel-credit value expires at calendar year end. |
| Bilt Obsidian Bilt Travel Hotel Credit Up to $50 per half-year | Semi-annual credits Calendar based | Track each semi-annual credit window separately. |
| Bilt Palladium Bilt Travel Hotel Credit Up to $200 per half-year | Semi-annual credits Calendar based | Track January through June and July through December separately. |
| Bilt Palladium Bilt Cash Benefit $200 per calendar year | Annual credits Calendar based | Bilt Cash above the rollover limit expires at year end. |
Monthly credits
Amex Platinum: Uber CashUp to $15 per month, plus a December bonusUnused monthly Uber Cash does not roll over after the monthly benefit period.
Monthly Uber Cash is added for U.S. rides and Uber Eats when an eligible Amex card is selected.
Source verified 2026-05-26: American Express and Uber benefit terms
Amex Platinum: Digital Entertainment CreditUp to $25 per monthTreat as a monthly use-it-or-lose-it credit for tracking purposes.
Statement credits apply to eligible digital entertainment subscriptions after enrollment.
Source verified 2026-05-26: American Express Platinum Card benefits
Amex Gold: Uber CashUp to $10 per monthUnused monthly Uber Cash does not roll over.
Monthly Uber Cash is available for U.S. rides and Uber Eats when an eligible Amex card is selected.
Source verified 2026-05-26: American Express and Uber benefit terms
Amex Gold: Dining CreditUp to $10 per monthUnused monthly value does not carry forward.
Statement credits apply at eligible dining partners after enrollment.
Source verified 2026-05-26: American Express Gold Card benefits
Semi-annual credits
Amex Platinum: Saks Fifth Avenue CreditUp to $50 per half-yearUnused value expires at the end of each half-year window.
One credit window runs January through June and the second runs July through December.
Source verified 2026-05-26: American Express Platinum Card benefits
Amex Platinum: Prepaid Hotel CreditUp to $300 per half-yearTrack each half-year window separately; unused value does not carry to the next window.
Applies to eligible prepaid Fine Hotels + Resorts or The Hotel Collection bookings through Amex Travel.
Source verified 2026-05-26: American Express Platinum Card benefits
Amex Gold: Resy CreditUp to $50 per half-yearTrack January through June and July through December separately.
Applies to eligible Resy restaurant purchases after enrollment.
Source verified 2026-05-26: American Express Gold Card benefits
Bilt Obsidian: Bilt Travel Hotel CreditUp to $50 per half-yearTrack each semi-annual credit window separately.
Applies to eligible Bilt Travel Portal hotel bookings with qualifying stay terms.
Source verified 2026-05-26: Bilt Card 2.0 benefits overview
Bilt Palladium: Bilt Travel Hotel CreditUp to $200 per half-yearTrack January through June and July through December separately.
Applies to eligible Bilt Travel Portal hotel bookings with qualifying stay terms.
Source verified 2026-05-26: Bilt Card 2.0 benefits overview
Annual credits
Amex Platinum: Airline Fee CreditUp to $200 per calendar yearUnused annual credit expires at calendar year end.
Applies to incidental fees with one selected airline after enrollment.
Source verified 2026-05-26: American Express Platinum Card benefits
Chase Sapphire Reserve: Travel CreditUp to $300 per account yearUnused credit expires when the cardmember-year benefit period ends.
The travel credit is tracked over a 12-month cardmember period.
Source verified 2026-05-26: Chase Sapphire Reserve travel credit guide
Chase Sapphire Preferred: Chase Travel Hotel CreditUp to $50 per account yearResets every cardmember anniversary year and does not compound.
Applies to eligible hotel stays purchased through Chase Travel.
Source verified 2026-05-26: Chase Sapphire Preferred hotel credit guide
Capital One Venture X: Capital One Travel CreditUp to $300 per account yearTrack by account anniversary timing.
Eligible primary account holders receive the credit for purchases through Capital One Travel.
Source verified 2026-05-26: Capital One Venture X benefits
Citi Strata Elite: Hotel CreditUp to $300 per calendar yearUnused annual hotel-credit value expires at calendar year end.
Applies to eligible hotel stays booked through Citi Travel.
Source verified 2026-05-26: Citi Strata Elite card page
Bilt Palladium: Bilt Cash Benefit$200 per calendar yearBilt Cash above the rollover limit expires at year end.
Annual Bilt Cash is credited to eligible Palladium accounts.
Source verified 2026-05-26: Bilt Card 2.0 benefits overview
How To Use This Calendar
- Add every card in your wallet, even cards you may cancel.
- Copy each credit into a monthly, semi-annual, annual, or cardmember-year group.
- Set a reminder before the reset window ends, not on the expiration day.
- At renewal, count only credits you actually used against the annual fee.
Sources
- American Express and Uber benefit terms - American Express source used for Amex Gold credit terms.
- American Express Platinum Card benefits - American Express source used for Amex Platinum credit terms.
- American Express Gold Card benefits - American Express source used for Amex Gold credit terms.
- Chase Sapphire Reserve travel credit guide - Chase source used for Chase Sapphire Reserve credit terms.
- Chase Sapphire Preferred hotel credit guide - Chase source used for Chase Sapphire Preferred credit terms.
- Capital One Venture X benefits - Capital One source used for Capital One Venture X credit terms.
- Citi Strata Elite card page - Citi source used for Citi Strata Elite credit terms.
- Bilt Card 2.0 benefits overview - Bilt source used for Bilt Palladium credit terms.
FAQ
Which credit card credits expire every month?
Monthly credits commonly include Amex Platinum Uber Cash, Amex Platinum digital entertainment credits, Amex Gold Uber Cash, and Amex Gold dining credits. These credits should be tracked separately because unused monthly value usually does not roll over.
Do credit card credits reset by calendar year or cardmember year?
It depends on the card and credit. Amex credits often use calendar-month, half-year, or calendar-year windows. Chase Sapphire travel credits frequently use cardmember-year timing. Always track the reset basis for each credit, not just the annual dollar value.
What is the easiest way to avoid losing credit card credits?
Make one calendar for every recurring credit, group them by reset cadence, and set reminders before each window ends. A benefit tracker like kardfolio can keep those reset schedules tied to the cards in your wallet without requiring bank login.
Should I count unused credits when deciding if an annual fee is worth it?
No. Count only credits and benefits you actually redeem. If a card advertises $600 in credits but you use $280, your annual-fee ROI should use $280 because missed credits do not offset the fee.
Track These Benefits Automatically
Stop manually tracking credits. kardfolio alerts you before benefits expire and calculates your ROI.