By Most card credits follow the calendar: monthly ones come back on the 1st, quarterly ones in January, April, July and October, and yearly ones on January 1. Whatever you don’t use before the period ends is gone. Here’s what runs out at the end of October 2026, for every card that’s open to new applicants.
Before you go through the list:
- Credits marked Activation required do nothing until you switch them on, so do that first.
- Statement credits can take a few days to post, but what counts is when you make the purchase. Buy before the period ends.
- Credits that reset on your card anniversary follow your own dates, so they aren’t listed here. Each card’s page says which is which.
- Credits you set up once and that then post by themselves (streaming and phone bills) are left out.
Ending for good this month
The bank is ending these credits on the date shown, and they won’t come back.
Gold American Express · fee $325
Uber One Membership Credit (limited time)Activation requiredEnds Oct 30, 2026
$96this year
One-time Amex Offer: up to $96 back on an annual Uber One membership (not monthly) bought with the Gold Card between Apr 30 and Oct 30, 2026; the charge must post by Oct 30. Enrollment was limited and additional cards don't qualify.
No quarterly or yearly credits end this month
The next quarterly credits end on Dec 31, 2026, together with every half-year and yearly credit that follows the calendar. Our list of credits to use before December 31 has them all.
Monthly credits that reset on the 1st
Use them by Oct 31, 2026 or lose this month’s amount. They don’t roll over.
| Card | Monthly credits | A month |
|---|---|---|
| Sapphire Reserve Chase | DoorDash Credit (any order) Activate DoorDash Grocery & Retail Credits (2 x $10) Activate Lyft Ride Credit | $45 |
| United Club United · Chase | Rideshare Credit Activate Instacart Credit Activate DoorDash Credit (Non-restaurant) Activate | $42 |
| Sapphire Reserve Business Chase | Lyft Ride Credit DoorDash Restaurant Credit Activate DoorDash Grocery & Retail Credits (2 x $10) Activate | $35 |
| United Quest United · Chase | Rideshare Credit Activate Instacart Credit Activate DoorDash Credit (Non-restaurant) Activate | $33 |
| United Club Business United · Chase | Rideshare Credit Activate Instacart Credit Activate | $32 |
| Delta SkyMiles Reserve Delta · American Express | Resy Credit Activate Rideshare Credit Activate | $30 |
| Delta SkyMiles Reserve Business Delta · American Express | Resy Credit Activate Rideshare Credit Activate | $30 |
| United Business United · Chase | Rideshare Credit Activate Instacart Credit Activate DoorDash Credit (Non-restaurant) Activate | $28 |
| Gold American Express | Dining Credit Activate Uber Cash Activate Dunkin' Credit Activate | $27 |
| Marriott Bonvoy Brilliant Marriott Bonvoy · American Express | Brilliant Dining Credit | $25 |
| United Explorer United · Chase | Rideshare Credit Activate Instacart Credit Activate DoorDash Credit (Non-restaurant) Activate | $25 |
| AAdvantage Executive American Airlines · Citi | Lyft Credit Grubhub Credit (legacy accounts) | $25 |
| Delta SkyMiles Platinum Delta · American Express | Resy Credit Activate Rideshare Credit Activate | $20 |
| Business Gold American Express | Flexible Business Credit Activate | $20 |
| Delta SkyMiles Platinum Business Delta · American Express | Resy Credit Activate Rideshare Credit Activate | $20 |
| Ink Business Cash Chase | Instacart Credit Activate | $20 |
| Ink Business Unlimited Chase | Instacart Credit Activate | $20 |
| Southwest Rapid Rewards Priority Southwest · Chase | Instacart Credit Activate DoorDash Credit (Non-restaurant) Activate | $20 |
| Southwest Rapid Rewards Premier Southwest · Chase | Instacart Credit Activate DoorDash Credit (Non-restaurant) Activate | $20 |
| Southwest Rapid Rewards Plus Southwest · Chase | Instacart Credit Activate DoorDash Credit (Non-restaurant) Activate | $20 |
| British Airways Visa Signature British Airways · Chase | DoorDash Credit (Non-restaurant) Activate Instacart Credit Activate | $20 |
| Aer Lingus Visa Signature Aer Lingus · Chase | DoorDash Credit (Non-restaurant) Activate Instacart Credit Activate | $20 |
| Iberia Visa Signature Iberia · Chase | DoorDash Credit (Non-restaurant) Activate Instacart Credit Activate | $20 |
| Air Canada Aeroplan Air Canada Aeroplan · Chase | DoorDash Credit (Non-restaurant) Activate Instacart Credit Activate | $20 |
| Southwest Rapid Rewards Premier Business Southwest · Chase | DoorDash Credit (Non-restaurant) Activate Instacart Credit Activate | $20 |
| Marriott Bonvoy Bountiful Marriott Bonvoy · Chase | DoorDash Credit (Non-restaurant) Activate Instacart Credit Activate | $20 |
| Marriott Bonvoy Boundless Marriott Bonvoy · Chase | DoorDash Credit (Non-restaurant) Activate Instacart Credit Activate | $20 |
| Marriott Bonvoy Bold Marriott Bonvoy · Chase | DoorDash Credit (Non-restaurant) Activate Instacart Credit Activate | $20 |
| IHG One Rewards Premier Select IHG · Chase | Instacart Credit Activate DoorDash Credit (Non-restaurant) Activate | $20 |
| IHG One Rewards Premier IHG · Chase | Instacart Credit Activate DoorDash Credit (Non-restaurant) Activate | $20 |
| IHG One Rewards IHG · Chase | Instacart Credit Activate DoorDash Credit (Non-restaurant) Activate | $20 |
| IHG One Rewards Business IHG · Chase | Instacart Credit Activate DoorDash Credit (Non-restaurant) Activate | $20 |
| Disney Premier Visa Disney · Chase | DoorDash Credit (Non-restaurant) Activate Instacart Credit Activate | $20 |
| Disney Visa Disney · Chase | DoorDash Credit (Non-restaurant) Activate Instacart Credit Activate | $20 |
| Platinum American Express | Uber Cash Activate | $15 |
| Platinum for Charles Schwab Charles Schwab · American Express | Uber Cash Activate | $15 |
| Platinum for Morgan Stanley Morgan Stanley · American Express | Uber Cash Activate | $15 |
| Delta SkyMiles Gold Delta · American Express | Rideshare Credit Activate | $10 |
| Delta SkyMiles Gold Business Delta · American Express | Rideshare Credit Activate | $10 |
| Sapphire Preferred Chase | DoorDash Credit (Non-restaurant) Activate | $10 |
| Ink Business Preferred Chase | DoorDash Credit (Non-restaurant) Activate | $10 |
| United Gateway United · Chase | DoorDash Credit (Non-restaurant) Activate | $10 |
| Southwest Rapid Rewards Performance Business Southwest · Chase | Instacart Credit Activate | $10 |
| World of Hyatt World of Hyatt · Chase | DoorDash Credit (Non-restaurant) Activate | $10 |
| World of Hyatt Business World of Hyatt · Chase | DoorDash Credit (Non-restaurant) Activate | $10 |
| Wyndham Rewards Earner Premier Wyndham · Barclays | Meal Delivery Credit | $10 |
| Disney Inspire Visa Disney · Chase | DoorDash Credit (Non-restaurant) Activate | $10 |
Never miss the end of a month again
Premium Finance, our free app, lists the credits on the cards you actually hold, ticks them off as you use them and reminds you before each one runs out, including the ones that follow your card anniversary. Open the app.