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.

Now that the fourth quarter of 2026 is underway, a new batch of quarterly statement credits and bonus categories is available. Most Q4 benefits run from Oct. 1 through Dec. 31, giving you three months to maximize them before the end of the year.

Here are the quarterly credit card perks you’ll want to keep on your radar through the end of 2026.

American Express

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

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).

• Up to $90 statement credit per quarter (up to $360 per calendar year) for eligible Indeed purchases in the U.S.: Business owners can use this statement credit toward subscription plans, sponsored job posts, advertisements on the platform and more.
• Up to $50 statement credit per quarter (up to $200 per calendar year) for eligible Hilton purchases: This statement credit can be used for any eligible purchase at a property in the Hilton portfolio. Note that you must be registered in the Hilton for Business program to participate.

Enrollment required.

To learn more, read our full review of the Amex Business Platinum.

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American Express Platinum Card

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).

• Up to $100 statement credit per quarter (up to $400 per calendar year) for Resy: Pay with your Amex Platinum at an eligible U.S. Resy restaurant. No reservation is required.
• Up to $75 statement credit per quarter (up to $300 per calendar year) for Lululemon: Pay with your Amex Platinum and receive the statement credit for purchases made at U.S. stores (excluding outlets) and online.

Enrollment required.

To learn more, read our full review of the Amex Platinum.

Hilton Honors American Express Aspire Card

The Hilton Honors American Express Aspire Card has one quarterly benefit you’ll want to maximize.

• Up to $50 in flight statement credits per quarter (up to $200 per calendar year): Pay for a flight directly with an airline, through AmexTravel.com or the Amex Travel App™ and receive up to $50 in statement credits each quarter.

To learn more, read our full review of the Hilton Aspire.

The Hilton Honors American Express Business Card

The quarterly statement credit on The Hilton Honors American Express Business Card is a highlight perk.

• Up to $60 Hilton statement credit per quarter (up to $240 per calendar year): Receive up to $60 in statement credits each quarter on purchases charged directly with the Hilton Business Amex toward a property within the Hilton portfolio, including bookings and incidental charges, such as dining and spa services.

To learn more, read our full review of the Hilton Business Amex.

Hilton Honors American Express Surpass Card

The Hilton Honors American Express Surpass® Card‘s quarterly statement credit is one of the card’s top benefits.

• Up to $50 Hilton statement credit per quarter (up to $200 per calendar year): Receive up to $50 in statement credits each quarter on purchases charged directly with the Hilton Surpass card toward a property within the Hilton portfolio. This statement credit is similar to the one on the Hilton Business Amex.

To learn more, read our full review of the Hilton Surpass.

Related: How to maximize benefits with the American Express Platinum

Chase

Two Chase cards provide rotating quarterly bonus categories for cardholders to maximize.

Chase Freedom and Chase Freedom Flex

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.

• Up to 5% cash back: From Oct. 1 through Dec. 31, you can earn bonus quarterly cash back at grocery stores (excluding Walmart and Target), on dining purchases and on eligible donations to the American Red Cross. You’ll receive bonus cash back in these categories on up to $1,500 of combined spending each quarter (then 1% back). You must activate your categories to receive this higher earning rate. If you haven’t activated your Q4 categories yet, you have until Dec. 14 to activate. The quarter ends Dec. 31.

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.

IHG Premier Select, IHG Premier and IHG One Rewards Business

As part of IHG’s recent overhaul of its card portfolio, the IHG One Rewards Premier Select Credit Card (see rates and fees), IHG One Rewards Premier Credit Card (see rates and fees) and IHG One Rewards Business Credit Card (see rates and fees) have quarterly food and beverage rewards for cardholders to use:

• $75 in rewards each quarter on the IHG Premier Select, for use at IHG properties: Receive up to $300 in Food & Beverage Rewards per calendar year.*
• $25 in rewards each quarter on the IHG Premier and IHG Business: Receive up to $100 in Food & Beverage Rewards per calendar year.*

*Can be redeemed for credit against eligible food and beverages on your room bill at participating IHG Hotels & Resorts (Eligible charges vary by property).

To learn more, read our full reviews of the IHG Premier Select, IHG One Rewards Premier and IHG One Rewards Business.

Citi

One Citi card provides rotating quarterly bonus categories.

Citi Dividend Card

If you hold the Citi® Dividend Card (no longer available to new applicants), here are the Q4 categories you need to keep in mind.

• Up to 5% cash back: You’ll earn 5% cash back this quarter at restaurants and on eligible purchases through the Citi Travel site, including hotels, car rentals and attractions. Citi Dividend cardholders can earn 5% bonus cash back on up to $6,000 of spending across the year (then 1% back thereafter), so you can maximize your bonus categories during the quarters that best match your spending habits. You must activate your categories each quarter. These categories run through Dec. 31.

The information for the Citi Dividend card 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: Ultimate guide to the Citi Travel portal

Discover

Discover has one card that earns bonus cash back in a new set of categories each quarter.

Discover it Cash Back

The main perk of the Discover it® Cash Back is its rotating bonus categories.

• Up to 5% cash back: Discover’s fourth-quarter bonus categories are restaurants, entertainment and utilities. Cardholders earn 5% cash back on up to $1,500 in combined spending on rotating categories each quarter (then an unlimited 1% cash back thereafter). You’ll need to remember to activate your current categories. This quarter runs through Dec. 31.

Related: The best first credit cards for beginners

U.S. Bank

If you’re a U.S. Bank fan, there’s one card with a quarterly benefit you can maximize.

U.S. Bank Cash+ Visa Signature Card

With the U.S. Bank Cash+® Visa Signature® Card, you’ll receive bonus cash back each quarter you activate.

• Up to 5% cash back: This benefit is flexible each quarter. You’ll earn 5% cash back on up to $2,000 in combined spending on two rotating categories (then 1% back) of your choice after you activate them. The categories covered this quarter are TV, internet and streaming services; home utilities; select clothing stores; cellphone providers; electronics stores; gyms/fitness centers; fast food; ground transportation; sporting goods stores; department stores; furniture stores; and movie theaters. Your selected Q4 categories run through Dec. 31.

The information for the U.S. Bank Cash+ 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: 11 credit cards that can get you $1,500 or more in first-year value

Bottom line

If you’re focused on maximizing your card benefits, the beginning of a new quarter is a good time to review your cards and make sure you’ve activated any Q4 bonus categories and know which statement credits have reset.

Benefits can reset monthly, quarterly, biannually or annually (either each calendar year or cardholder anniversary). It’s important to know when your statement credits begin and end to get the most out of your rewards cards.

Most of the quarterly benefits above run through Dec. 31. Taking a few minutes now to activate your bonus categories and make a plan for your statement credits can help ensure you aren’t scrambling to use them at the end of the year.

Check back in January for a rundown of the quarterly benefits you can maximize during Q1.

Related: 18 cards currently offering welcome bonuses of 100,000 points or more

For rates and fees of the Amex Business Platinum, click here.
For rates and fees of the Amex Platinum, click here.