Last Call for Q3 Credit Card Benefits: What to Use Before September Ends
Many credit cards offer quarterly statement credits and rotating bonus categories that reset on Oct. 1. This guide highlights which Amex Business Platinum credits, such as up to $90 for Indeed and $50 for Hilton, expire at the end of September. Cardholders should check their remaining benefits to avoid losing them.
The Amex Business Platinum provides up to $90 quarterly for Indeed recruiting services and $50 for Hilton purchases, with the Hilton credit requiring enrollment in the Hilton for Business program. Combined, these offer $560 in annual credits toward the card's $895 fee.
The consumer Amex Platinum includes $100 quarterly for Resy restaurant payments and $75 for Lululemon, while the Hilton Aspire offers $50 in quarterly flight credits through airlines or Amex Travel. All require enrollment, and unused amounts expire after September 30.
This story could affect the many consumers who hold premium credit cards with annual fees exceeding $800. Those who fail to track quarterly deadlines may effectively overpay for card benefits they never received, while diligent users can offset significant costs. The pattern may also influence how issuers structure rewards — pushing more complex, time-sensitive perks that require active engagement rather than passive earning.