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Coup It Or Lose It! September 2026 — Q3 Deadline + Year-End Planning

5 min read
  • credit-card-benefits
  • benefit-expiration
  • quarterly-credits
  • semi-annual-credits

Coup It Or Lose It! September 2026

September 30 is a triple deadline. Monthly credits expire. Q3 quarterly credits expire. And if you haven't started on your H2 semi-annual credits, you have three months left to use over $1,100.

Here's what's on the clock.

Monthly Credits: Use by September 30

These reset on the 1st. Anything unused is gone.

Amex Platinum

  • $25 Digital Entertainment — Disney+, Hulu, HBO Max (via bundle), Peacock, NYT, YouTube Premium. If your subscription is set up, this runs itself.
  • $15 Uber Cash — loads to your Uber account. Rides or Uber Eats.
  • $13.95 Walmart+ — covers the monthly membership fee. If you're not enrolled yet, do it now — here's why it also gets you free Peacock.

September total: $53.95

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 a bag of beans

September total: $27

Chase Sapphire Reserve

  • $25 DoorDash — includes $5 restaurant promo + two $10 grocery/retail promos
  • $10.99 Apple Music — free if subscribed
  • $9.99 Apple TV+ — free if subscribed
  • $9.99 DashPass — free DoorDash membership credit
  • $10 Lyft — monthly ride credit
  • $10 Peloton — app membership credit

September total: $75.97

Other Monthly Credits

Q3 Quarterly Credits: Use by September 30

These loaded July 1 and expire September 30. Five weeks left.

Amex Platinum

  • $75 Lululemon — in-store, lululemon.com, or the app. Check "We Made Too Much" for sales. Full Lululemon guide →
  • $100 Resy dining — book a reservation at any Resy restaurant and pay with your Platinum. Credit applies automatically.

Q3 remaining: up to $175

Amex Gold

  • $50 Resy dining — same as above, any restaurant on Resy

Amex Business Platinum

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

Hilton Cards

Delta Resy Credits

  • $20 Resy — Delta Reserve and Delta Reserve Business
  • $10 Resy — Delta Platinum cards

H2 Semi-Annual Credits: Use by December 31

These loaded July 1 and expire December 31. You have time — but the expensive ones require advance booking.

Chase Sapphire Reserve

This is the big one. $550 in H2 semi-annual credits:

  • $250 The Edit Hotel — book a prepaid hotel through Chase Travel's Edit collection. Two-night minimum. Start browsing now — good hotels book out for fall/holiday weekends.
  • $150 StubHub — concerts, NFL games, theater, any event. Fall is prime time for sports and holiday shows.
  • $150 Exclusive Tables — book at a Chase dining partner restaurant. Over 300 restaurants across 40+ cities.

If you left H1 credits unused, don't repeat it. Full CSR benefits guide →

Amex Platinum

  • $300 Hotel Credit — prepaid bookings through Fine Hotels + Resorts or The Hotel Collection on amextravel.com
  • $50 Saks Fifth Avenue — in-store or saks.com. Beauty, accessories, and shoes all qualify.

Hilton Honors Aspire

Citi AAdvantage Executive

  • $100 Blacklane — chauffeur-service credit for airport transfers

Chase Business Cards

  • $250 The Edit Hotel — Chase Sapphire Reserve for Business (same Edit credit as CSR)
  • $200 ZipRecruiter — Chase Sapphire Reserve for Business, for job postings
  • $50 Curated Gift Cards — Chase Sapphire Reserve for Business

September Game Plan

This week (Aug 22–31): Use your August monthly credits. Uber Cash, DoorDash, Apple subscriptions — if these aren't automated, one order each handles it. That's $157 across Platinum + Gold + CSR.

Weeks 1–2 of September: Knock out Q3 quarterly credits. Book a Resy dinner ($100–$150 depending on card). Order from Lululemon ($75). One dinner and one shopping trip covers most of it.

By September 30: Final sweep. Monthly credits + quarterly credits both expire on the same day. Don't wait until the 30th for Resy — restaurant availability gets tight.

Plan ahead for Q4: The H2 semi-annual credits expire December 31. The Edit Hotel requires a two-night stay (book now for fall/holiday travel). StubHub has NFL and concert tickets available. Exclusive Tables can be booked any time through the restaurant map.

Quick Checklist

By August 31:

  • Amex Platinum: Digital Entertainment ($25), Uber Cash ($15), Walmart+ ($13.95)
  • Amex Gold: Uber Cash ($10), Restaurant Partners ($10), Dunkin' ($7)
  • Chase Sapphire Reserve: DoorDash ($25), Apple Music ($10.99), Apple TV+ ($9.99), Lyft ($10), Peloton ($10)

By September 30 (monthly + quarterly):

  • All monthly credits again
  • Amex Platinum: Lululemon Q3 ($75), Resy Q3 ($100)
  • Amex Gold: Resy Q3 ($50)
  • Hilton Aspire: Flight credit ($50)

By December 31:

  • Chase Sapphire Reserve: The Edit ($250), StubHub ($150), Exclusive Tables ($150)
  • Amex Platinum: Hotel Credit ($300), Saks ($50)
  • Hilton Aspire: Resort Credit ($200)

Coup it or lose it.

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