Coup It Or Lose It! September 2026 | Q3 Deadline + Year-End Planning
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
- $25 Dining: Marriott Bonvoy Brilliant
- $25 DoorDash: Chase Sapphire Preferred
- $20 Instacart: Chase United cards (Explorer, Quest, Club)
- $20 Flexible Business: Amex Business Gold
- $12 Rideshare: Chase United cards (Uber or Lyft)
- $10 Wireless: Amex Business Platinum
- $10 Delta Rideshare: Delta Reserve and Platinum cards
- $10 Grubhub: Citi AAdvantage Executive
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
- $60 Hilton credit: Hilton Business
- $50 Hilton credit: Hilton Surpass
- $50 Flight credit: Hilton Aspire: any airline purchase
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
Hilton Honors Aspire
- $200 Hilton Resort Credit: spend at an eligible Hilton resort property. Find eligible hotels on the map →
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)
- Hilton Aspire: Resort Credit ($200)
Coup it or lose it.
Track your benefits and never miss a reset: creditcardcoups.com