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Coup It Or Lose It! February 2026 | Valentine's Credits + Q1 Check-In

5 MIN READ
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February is the short month. 28 days to use your monthly credits instead of 31. And if you haven't touched your Q1 quarterly credits yet, you're one-third of the way through them.

Valentine's Day is February 14. If you're planning a dinner out, you're sitting on over $340 in dining credits across your cards.

Valentine's Dining: Use Your Credits

Planning dinner for two? Stack these.

Resy Credits

  • $100 per quarter: Amex Platinum
  • $50 per half-year (H1): Amex Gold
  • $20 per month: Delta Reserve cards
  • $10 per month: Delta Platinum cards

Book a reservation at any Resy restaurant, pay with your card. The credit posts automatically. One Valentine's dinner covers a big chunk of your Resy credit.

Chase Exclusive Tables (H1)

Book through Chase's dining partners. Over 300 restaurants across 40+ cities. A nice Valentine's dinner could use half your H1 dining credit.

Monthly Dining Credits

If you'd rather stay in, DoorDash delivery counts. Order something nice.

Monthly Credits: Use by February 28

Shorter month, same credits. Don't let the 28th sneak up on you.

Amex Platinum

  • $25 Digital Entertainment: Disney+, Hulu, HBO Max, Peacock, NYT, YouTube Premium
  • $15 Uber Cash: loads to your Uber account
  • $12.95 Walmart+: monthly membership fee (plus tax)

February total: $52.95

Amex Gold

  • $10 Uber Cash: Uber rides or Uber Eats
  • $10 Restaurant Partners: Grubhub, Cheesecake Factory, Goldbelly, Wine.com, Five Guys
  • $7 Dunkin': coffee, breakfast, or beans

February total: $27

Chase Sapphire Reserve

  • $25 DoorDash: $5 restaurant promo + two $10 grocery/retail promos
  • $12 Apple Music: free if subscribed
  • $15 Apple TV+: free if subscribed
  • $9.99 DashPass: free DoorDash membership
  • $10 Lyft: monthly ride credit
  • $10 Peloton: app membership credit

February total: $81.99

Other Monthly Credits

Q1 Check-In: One Month Left After February

Q1 quarterly credits expire March 31. If you haven't used these, you have 8 weeks.

Amex Platinum

  • $100 Resy Dining: book on Resy, pay with Platinum
  • $75 Lululemon: in-store, lululemon.com, or the app

Amex Gold

  • $50 Resy Dining: same deal, pay with Gold. This one is semi-annual, so it runs through June 30.

Amex Business Platinum

  • $90 Indeed: job posting credits
  • $50 Hilton: statement credit on Hilton stays

Hilton Cards

Annual Credits: Are You Set Up?

If you set these up in January, you're fine. If not, do it now.

  • Amex Airline Fee Credit: did you select your airline? If not, go to amex.com/benefits
  • Clear Plus: enrolled? ($219/year on Platinum, $209 on Green; autopays)
  • Uber One: activated in the Uber app? ($120/year)
  • ChatGPT Business: billed to your Amex Business Platinum or Business Gold? ($300/year)
  • Whoop: Chase Offer activated on CSR?
  • Apple Music / TV+: subscribed through CSR?

February Game Plan

By February 14: Use your dining credits. Book a Resy reservation ($100) or Exclusive Tables dinner ($150). Stack with DoorDash for delivery if you prefer.

By February 28: Monthly credits. Uber Cash, DoorDash, Dunkin', subscriptions. The short month means you lose 2–3 days compared to other months.

Plan for March: Q1 quarterly credits expire March 31. If you haven't used Resy ($100 on Platinum) or Lululemon ($75), put it on the calendar now.

Quick Checklist

By February 28 (monthly):

  • Amex Platinum: Digital Entertainment ($25), Uber Cash ($15), Walmart+ ($12.95)
  • Amex Gold: Uber Cash ($10), Restaurant Partners ($10), Dunkin' ($7)
  • CSR: DoorDash ($25), Apple Music ($12), Apple TV+ ($15), Lyft ($10), Peloton ($10)

By March 31 (Q1 quarterly):

  • Amex Platinum: Resy ($100), Lululemon ($75)
  • Hilton Aspire: Flight credit ($50)

Coup it or lose it.

Track your benefits and never miss a reset: creditcardcoups.com

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