There's a certain feeling of frustration that hits when you realise, on the final day of the month, that you missed the chance to use a monthly credit on your credit card that would have paid for your Uber ride, or subscription service. It's not a huge deal, but it's a waste and with a wallet full of credit cards, missing out on just a few monthly credits over the year can be hundreds of dollars in lost value.

Today is the last day of April and many credit card monthly (or quarterly) credits expire. If you haven't reviewed your cards in a while, now's the time to start. Here's a handy guide to what's ending, what you should do before midnight, and what you should set up to capture in the future.

The Amex Cards With April Deadlines

American Express has a large number of monthly credits that expire at the end of each month, so this is a critical month for Amex cardholders.

If you're an Amex Platinum Card member, you have a $25 monthly digital entertainment credit that expires April 30 that's good towards streaming services such as Disney+, Peacock Premium, ESPN+, Hulu, YouTube TV, YouTube Premium, Paramount Plus and some news subscriptions. The $15 monthly Uber Cash credit also resets at the end of April. And if you haven't used your $50 Saks Fifth Avenue credit for the January to June period, you can still do so before it expires on June 30. Likewise the $300 hotel credit for pre-paid Fine Hotels + Resorts or Hotel Collection properties also expires June 30.

The Amex Gold Card's $10 monthly dining credit expires April 30 and can be used at GrubHub, Seamless, Wine.com, Goldbelly, Five Guys, and The Cheesecake Factory. Its $10 monthly credit for Uber Cash and $7 monthly credit for Dunkin' also expire this month. The $50 Resy credit for the first half of 2026 expires June 30, so that one's good for a little longer but I would have an idea of a restaurant reservation in mind if you haven't used it yet.

For those with the Amex Business Gold, the $20 monthly credit for FedEx, Grubhub, and office supply stores has an April 30 expiry as well. The $12.95 monthly credit for Walmart+ is also expiring. And, for Marriott Bonvoy Brilliant Amex Cardholders, the $25 monthly credit for restaurants (which can also be used for restaurant gift cards) expires at the end of April.

The Chase Cards: April Expirations and New Credit

Chase has a credit structure that's not quite as monthly-heavy as Amex, but there are a couple of big April credit opportunities with some of the big cards.

The Chase Sapphire Reserve card has a $5 monthly credit for DoorDash restaurant delivery and two different $10 monthly credits for DoorDash non-restaurants, along with a $10 monthly Lyft credit and $10 Peloton credit. Those will expire tonight if they haven't been used. The $150 StubHub and $150 Sapphire Tables credits expire June 30, so those are good for an extra couple of months but you might want to schedule something if you can for live events or restaurant reservations.

The Sapphire Reserve for Business has many of those credits as well as a $5 monthly DoorDash credit for restaurant use, two $10 DoorDash credits non-restaurant use and a $10 Lyft credit expiring in April. There is a $50 GiftCards.com credit and $200 ZipRecruiter credit that expire on June 30.

For those with a United credit card, there are a couple of monthly credits due in April. The United Explorer Card has a $5 rideshare credit due today and a $10 Instacart credit. The United Quest Card has an $8 rideshare credit and a total of $15 in Instacart credits expiring April 30. The United Club Card has a $12 rideshare credit and $20 in Instacart credits that expire tonight.

Quarterly Credits Expire at the end of June

There are a couple high-valued credits on premium cards that operate on a Jan-June, July-December cycle which means they're not expiring tonight, but will reset on June 30, though present a substantial amount of value if you haven't used them before.

Here are the Q2 expiring credits to use before June 30:

• Amex Platinum $100 Resy credit for eligible restaurant spend in the U.S. (new, quarterly)
• Amex Platinum $75 Lululemon credit (can be used on Lululemon gift cards, quarterly)
• Amex Business Platinum $50 quarterly Hilton credit for spending at on-property Hilton
• Amex Business Platinum $90 quarterly credit for on Indeed spending
• Hilton Honors Surpass $50 quarterly Hilton credit
• Hilton Honors Business Card $60 quarterly Hilton credit
• Citi Strata Elite $100 Blacklane credit (every six months until June 30)
• Citi Strata Elite $300 hotel credit for two-or-more-night stays (annual, but do it now)

These aren't tonight's deadline, but close enough that booking a time for their use a hotel, restaurant or buying a Lululemon gift card before June 30 is a good idea.

Capital One and Other Issuers

Capital One Venture X credit cardholders enjoy a $300 annual travel credit which resets each cardmember year and can be used to book through Capital One Travel. If you have a travel credit available for the current year, it's perfect for upcoming travel plans.

On the Bank of America side, the Bank of America Premium Rewards card has a $100 annual airline incidental fee credit good until December 31 this also covers United TravelBank fund purchases, which is a good option for frequent flyers with United.

The Citi AAdvantage Executive World Elite Mastercard offers a $10 monthly GrubHub credit and a Lyft credit after three monthly rides both with monthly renewal cycles. The Citi Prestige $250 annual travel credit is valid until December 31 and could be a good fit if you have yet to use it on a travel purchase this year.

A Few Ways to Ensure You Don't Miss the Boat

When it comes to managing multiple card credits, the math is easy the memory is hard. Your monthly credits that have to be used or redeemed expire without warning, and you don't get a reminder that your $15 Uber Cash or $25 dining credit is about to expire.

Some ways to remember: a recurring reminder on the last day of the month to sweep for credits, a simple note on your phone with all your monthly and quarterly credits, or an app such as CardPointers that tracks all the benefits' deadlines for every card in your portfolio.

The credits in and of themselves are well worth the effort. An Amex Platinum cardholder can realistically save $800 or more of the card's annual fee in credits alone (before including the value of points earned from spending or the value of lounge access) if they consistently capture the monthly dining, Uber, streaming and Saks credits, plus the bi-annual hotel and Lululemon credits. That's assuming the credits are being redeemed.

The Bottom Line

Tonight is the last chance to use the monthly credits on some 50 American Express and Chase cards credits to eat out, watch streaming services, receive rideshare credits, and more. Some quarterly credits expire June 30 including new Amex Platinum Resy and Lululemon benefits but must be used soon. The total value of taking advantage of these types of credits (and even a $7 credit for Dunkin' Donuts counts as a credit) can add up to a lot of money. Review your cards, redeem what's about to expire and plan for the rest.