End of Month Checklist: Amex Statement Credits, Transfer Bonuses & Big Welcome Offers

As if your to-do list wasn’t already long enough, I’m about to add a few more things to it. But don’t worry: These are the kind of “chores” that can help you travel more for less … or just save you some serious cash.

With the end of the month fast approaching, there are a handful of easy wins you won’t want to miss. I'm talking about valuable Amex statement credits that reset (or end entirely), transfer bonuses that can stretch your points further, and some of the biggest credit card welcome offers we’ve seen in years.

The catch? Many of these deals come with deadlines – and a few are just days away from expiring.

Whether it’s using up a dining credit, locking in a transfer bonus for your next award trip, or finally pulling the trigger on a limited-time card offer, now’s the time to act. Knock a few of these out before the calendar flips to July, and your future travels (and your wallet) will thank you.

Want help tracking all of the benefits on your travel cards? Check our our free credit card benefit tracker tool. 

Money-Saving Statement Credits

If you've got a premium travel card like the *amex platinum* or *biz platinum* in your wallet, it comes with a handful of “money-saving” statement credits. Making good use of them is key to offsetting the cards' lofty annual fees – but it's up to make sure they don't go unused … and a few expire soon.

Let's start with the Amex Platinum. Following the card's refresh last summer, you now have more credits to keep track of than ever before. With the end of the month fast-approaching, you've got just a week (and change) left to put a few of these quarterly and semi-annual credits to use before it's too late.

• Up to $300 Fine Hotels + Resorts® (FHR) credit: The Amex Platinum comes with up to $600 per year (up to $300 semi-annually) in statement credits for FHR or The Hotel Collection (two-night minimum stay required) bookings. Even though the first $300 credit expires at the end of the month, you could book a hotel stay for later this year or even next. This credit is key to making the Amex Platinum's annual fee worth it – so make time to use it! 
• Up to $75 Lululemon credit: Platinum cardholders get up to $300 per calendar year (up to $75 per quarter) in credit for purchases made with athletic clothing retailer, Lululemon. If you're having trouble deciding what to spend your credit on, you can buy a physical gift card in-store to use later on. Buying a physical gift card is key to making this work – an eGift card purchased online won't cut it. 
• Up to $100 Resy dining credit: The Platinum Card also comes with up to $400 per calendar year (up to $100 per quarter) in credit for U.S. Resy dining purchases. Simply use your Amex Platinum to pay the bill at any of the 10,000-plus U.S. Resy restaurants, and Amex will credit your account up to $100 each quarter. If you don't have a Resy restaurant near you – or your schedule is already too packed to dine out before the end of the month – consider buying a gift card from one of these restaurants to use at a later date.
• Up to $50 Saks credit: For years, Amex Platinum Cardholders could get up to $50 in credit (semi-annually) for purchases made at Saks … but this benefit is being removed as of July 1, 2026. If you haven't used your $50 credit on overpriced hand towels yet, the clock is ticking. Just know, you might not actually be charged until your item ships and it's best to buy something directly from Saks – not a third-party seller. 

It's also worth noting that the terms for the Resy and Lululemon credits exclude gift card purchases, but we've tested both out in the past and haven't had any issues triggering the credit. There's even a handy tool for finding Resy restaurants that sell gift cards online, so you don't have to make an extra stop. 

If you've got the Business Platinum Card in your wallet, you've got just a couple of hotel credits to worry about: Up to $200 per calendar year (up to $50 per quarter) for purchases at Hilton hotels, and an up to $300 FHR credit. Assuming you don't have a Hilton stay planned in the next few days, you could try booking a stay for sometime later this year (or even next) and call the hotel to make a pre-payment for your reservation. 

Others have reported getting this credit to work for dining purchases at restaurants inside Hilton hotels … but it's pretty hit-or-miss. A fellow traveler created a Google Sheet with datapoints for various Hilton properties around the globe – if you're planning to try this method for yourself, give it a look to see if someone has already tested it at your local Hilton first.

Meanwhile, the *amex gold* comes with up to $100 per year (up to $50 semi-annually) for Resy dining purchases. All the same tips and workarounds for the Platinum Card's credit apply here, too – don't let your $50 go to waste. 

Finally, a pair of Hilton co-branded cards – the *Hilton Surpass* and the *Hilton Aspire* – come with quarterly credits of their own. With the Hilton Surpass, you get up to $200 per calendar year (up to $50 per quarter) in credit for purchases made with Hilton. This credit is identical to the one that comes with the Business Platinum, so give one of the workarounds listed above a try if you still need to use it. 

Meanwhile, the top-tier Hilton Aspire comes with up to $200 per calendar year (up to $50 per quarter) in credit for purchases made directly with an airline. Unlike the annual airline fee credit that comes with the Amex Platinum, this can be used to purchase flights outright.

The most straightforward way to use this would be to book a flight, but you're unlikely to find many for $50 or less, and it's probably not worth spending extra money unnecessarily. Instead, you could use this to pay for a seat assignment or upgrade on a flight you already have booked – or even consider adding money to your United TravelBank to use for a future flight.

No matter which of these credits you're trying to use up before the end of the month, it's best not to wait until the last minute. You'll need to make sure the charge actually posts to your card by June 30 or risk triggering next quarter's credit instead. Given the (occasional) lag in posting time, it's a good idea to give yourself a bit of a buffer. 

Big Transfer Bonuses

Think of transfer bonuses as a way to stretch your balance of points and miles even further.

The big banks routinely roll out bonuses of 10% to as much as 40% – and sometimes even more! – when transferring points to select airline or hotel partners. For example, with a 25% transfer bonus, you'd only need to transfer 40,000 points to get the 50,000 miles you may need to book an award ticket.

Here are all the current transfer bonuses (as of publication), broken down bank by bank.

As you can see, a few of the biggest and best bonuses run through the end of the month, giving you just one week to make use of them before they're gone. 

The list of ways you can use these big bonuses is far too long to cover here, but these are a few of our favorites:

• 50% bonus from Rove Miles to Turkish Miles&Smiles: You could use this bonus to book fly Turkish Airlines business class to Istanbul for as few as 43,400 Rove Miles or even domestic flights on United for just 10,000 Rove Miles each way – and that's really just the tip of the iceberg!
• 25% bonus from Amex to Air France/KLM Flying Blue: You can fly business class to Europe for as low as 60,000 miles each way. Factor in this transfer bonus, and you’d need just 48,000 Membership Rewards points to make it happen. 
• 30% bonus from Citi to Qatar Airways: Use this bonus to fly to Qatar's Qsuites to Doha and beyond for as few as 54,000 points each way. Just know, Qatar recently made it harder to book award seats for friends and family – you'll now need to add them to designated list and have qualifying activity ahead of time. 
• 55% bonus from Chase to Marriott Bonvoy: Transferring points to a hotel program like Marriott won't always make sense, but a big 55% transfer bonus can make a case for it. If you've got a high-value redemption in mind – or just need to top off your account – this sure beats the usual 1:1 ratio. 

But before you rush to send your points somewhere with a bonus, remember: These transfers are a one-way street. Once you send the points to an airline partner, you cannot get them back to your Capital One, Chase, or other credit card account. That means you'll generally want to have a redemption in mind (and make sure the flights or hotels you want are actually available to book) before transferring your points.

Wondering why you should transfer your points? Read up on how it can help you book flights for less!

Limited-Time Welcome Offers

Getting ahead with travel credit cards is all about timing: opening a card when the welcome bonus is at its highest. Lucky for you, there are a handful of big offers out right now. While most of these offers should last into July (or longer), they are only here for a “limited time,” so it's best not to wait too long.

First (and foremost) is a best-ever offer on the *chase sapphire preferred*: bonus_miles_full

Chase recently revamped the Sapphire Preferred – doubling the card's annual Chase Travel℠ hotel credit to $100, adding new bonus categories, tacking on a credit of up to $120 for TSA PreCheck®, Global Entry, or NEXUS, and more – all while leaving the $95 annual fee untouched. The points don't go quite as far as they used to for Hyatt fans with the card's new 4:3 transfer ratio – but by and large, this card is easier to justify than ever before … and that's even before taking the massive bonus offer into consideration. 

Plain and simple: If you haven't had the Sapphire Preferred Card yet, this is as good as it gets. 

Chase is also out with limited-time offers on a trio of business cards. If you're a small business owner (and trust us, you just might be), these cards and their massive bonus offers warrant a good, hard look.

Here is what's currently at stake: 

• *Sapphire Reserve for Business*: bonus_miles_full
• *Ink Unlimited*: *Ink Unlimited Bonus*
• *Ink Cash*: *ink cash bonus*

While the Ink Unlimited and Ink Cash advertise a cash bonus, it gets even better if you've got a Chase Sapphire or Ink Business Preferred® Credit Card in your wallet. With any one of those cards, you can turn that big bonus into 100,000 ultra-valuable Chase Ultimate Rewards points – and potentially get much better value by kicking them over to one of Chase's transfer partners like Hyatt, United, Air Canada Aeroplan, and many more.

But Chase isn't alone here: Amex is also out with big, limited-time welcome offers on its suite of Delta SkyMiles cards. From the entry-level *delta skymiles gold* to the top-tier *delta skymiles reserve*, each and every one of them is offering a big bonus.

Here's what you can earn with all three cards:

• *delta skymiles gold card*: bonus_miles_full
• *delta skymiles platinum card*: bonus_miles_full
• *delta reserve card*: bonus_miles_full

Finally, if you're looking for a solid no-annual-fee card, Capital One is out with a bigger bonus on the *Capital One Savor*. You can currently bonus_miles_full.

While the Savor Rewards Card technically earns cashback, that's not the case if you've got any of the Capital One Venture cards like the *capital one venture card* or *venture x* in your wallet. That way, you can turn your cashback into Capital One miles to cover travel purchases or get even greater value out of them by transferring to one of Capital One's travel partners.

This makes the Savor Rewards Card the perfect complement for Venture cardholders looking to earn more miles in popular spending categories.

Bottom Line

The end of the month is fast approaching, making this your last chance to cash in on valuable Amex credits, take advantage of transfer bonuses, and lock in elevated welcome offers. A few quick moves now could save you money – or score your next trip for less.