Credit card quarterly benefits Q3 2026: what to use before September ends

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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 .

These are the perks you'll want to remember from July through September 2026. Bookmark this article, and come back in October when Q4 begins.

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 is required for select benefits.

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

HINTERHAUS PRODUCTIONS/GETTY IMAGES 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 is required for select benefits.

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 .

CARLY HELFAND/THE POINTS GUY 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.

MASKOT/GETTY IMAGES 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 July 1 through September 30, you can earn bonus cash back on gas stations and electric vehicle charging, public transit, select live entertainment and donations to United Way. 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; you have until Sept. 14 to activate . The quarter ends Sept. 30.

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

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 Q3 categories you need to keep in mind.

Up to 5% cash back : You'll earn 5% cash back this quarter on purchases made at gas stations and home improvement stores. Citi Dividend cardholders 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 for the whole year during a quarter that has the best bonus categories for your individual spending habits. You must activate your categories each quarter. These categories will run through Sept. 30.

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.

WESTEND61/GETTY IMAGES 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 third-quarter bonus categories are gas stations, transportation and drugstores. 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 ends Sept. 30.

The information for the Discover it Cash Back 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: 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 cellphone providers, department stores, electronic stores, fast food, furniture stores, ground transportation, gyms and fitness centers, home utilities, internet, movie theaters, select clothing stores, sporting goods stores, streaming services and TV. The current quarter runs through Sept. 30.

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, it's essential to keep track of statement credits and rotating bonus categories.

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.

With these quarterly benefits, be sure to check in again in October. That's when we'll have details on what to expect for Q4 of 2026.

Related: 25 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 .

Editorial disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.