How to Track Amex Platinum and Chase Sapphire Reserve Credits So None Expire (2026)
The two cards carry more than two dozen credits between them, on five different reset schedules. Here is every credit by cycle, the dates that catch people, and the no-bank-login method MaxWorth uses to track them.
Quick answer: between them, the Amex Platinum and the Chase Sapphire Reserve carry credits that reset on five different schedules: monthly, quarterly, semi-annual, annual, and every four years. The ones people lose are the monthly and semi-annual ones, because they expire on a date, not when you forget. The reliable method is to track each credit on its own cycle with a reminder before it closes, and to decide at the start of each cycle whether you will use it or skip it. MaxWorth does exactly that from its card database, with no bank login: add the card, every credit appears with its cycle already set, and you get a push before each one expires.
The figures below come from the same database that generates the Amex Platinum and Chase Sapphire Reserve pages on this site, checked against the issuers’ terms. Both cards changed substantially in 2025; if you are reading an older guide, the credits have moved.
At a glance: every credit by reset cycle
| Cycle | Amex Platinum ($895) | Chase Sapphire Reserve ($795) |
|---|---|---|
| Monthly | $25 digital entertainment · $15 Uber Cash ($35 in December) · $12.95 Walmart+ | $10 Peloton · $10 Lyft · Apple TV and Apple Music (through June 2027) · DoorDash promos |
| Quarterly | $100 Resy · $75 Lululemon | — |
| Semi-annual | $300 hotel credit (FHR / The Hotel Collection, prepaid) | $150 Exclusive Tables dining · $150 StubHub · $250 The Edit hotel credit |
| Annual | $200 airline fee · $300 Equinox · $200 Oura Ring · CLEAR Plus · $120 Uber One | $300 travel credit · $250 select hotel credit (Chase Travel) |
| Every four years | $120 Global Entry / TSA PreCheck | $120 Global Entry / TSA PreCheck / NEXUS |
Status benefits (Centurion and Delta Sky Club access, Priority Pass, Hilton and Marriott Gold, IHG Platinum) are not credits and do not expire in the same way; they are left out here.
Where the money actually leaks
Monthly credits are the leak. A $25 entertainment credit missed four times a year is $100; the Uber Cash missed in December alone is $35. Nobody misses the $300 travel credit on the Reserve because it applies itself. The small, monthly, use-it-or-lose-it credits are where the annual fee quietly goes unrefunded.
Semi-annual halves have hard dates. The Platinum hotel credit is two $300 halves; the Reserve’s dining, StubHub and Edit credits are $150 or $250 halves. Each half ends on June 30 or December 31 with no grace. People who “will book a hotel at some point this year” lose the first half every year.
Calendar year is not cardmember year. The Reserve’s $300 travel credit and the Platinum’s airline fee credit run on different clocks from each other and from your statement. A tracker that only knows “annual” will be wrong for one of them.
How MaxWorth tracks them, without a bank login
The cycles come from the database, not from you. Add the Platinum and every credit above appears with its cycle already set: the hotel credit as two halves, Uber Cash as twelve months with December larger, Global Entry on a four-year clock. You do not type anything.
One reminder per credit, before it closes. A push arrives before each cycle ends, which is the part that actually stops money being lost. It does not need to see your spending to fire.
You mark it used. When the Walmart+ charge posts, you tap it. That tap is the whole cost of not connecting your bank. Credits you decide to skip can be marked skipped so they stop nagging.
Annual-fee ROI runs from what you marked. At renewal time the app shows what the card returned against the $895 or $795 it cost, which is the only number that matters when deciding whether to keep it.
What it will not do
- It cannot notice on its own that a charge posted. If you want credits ticked off automatically, MaxRewards does that by storing your bank login, and CardStack does it through an optional Plaid link. Both are real alternatives if automatic marking is worth the trade to you.
- It does not activate Amex or Chase benefit enrollments for you (Equinox, Uber One, Walmart+ require enrolling on the issuer site). It does activate Amex and Chase offers through the browser extension.
- It is not a substitute for reading the terms. Credits like Resy and Lululemon apply only at specific merchants; the app records the cycle and the cap, not every exclusion.
What it costs
MaxWorth is free to add cards and track credits. Premium is $7.99 a month, $60 a year, or $159.99 once. List prices; this page does not track promotions.
One check before you renew
Open the app in the month before each card’s annual fee posts and look at the ROI line. If the Platinum has returned less than $895 in credits you actually used, the question is not “which tracker” but “which card”. The tracker’s job is to make that number honest.
Frequently Asked Questions
Which Amex Platinum credits expire monthly?
Three: up to $25 for digital entertainment subscriptions, $15 in Uber Cash ($35 in December), and $12.95 for a Walmart+ membership. Each resets on the first of the month and does not roll over.
Does the Chase Sapphire Reserve $300 travel credit expire?
It resets every cardmember year, not every calendar year, and applies automatically to travel purchases. The semi-annual credits on the card (Exclusive Tables dining, StubHub, The Edit hotel) are the ones with hard dates: January through June, then July through December.
How does the Amex Platinum $600 hotel credit work?
It is two $300 halves, January through June and July through December, for prepaid Fine Hotels + Resorts or The Hotel Collection bookings through Amex Travel. An unused half is gone on July 1 or January 1.
Can an app track these credits without my bank login?
Yes. MaxWorth loads every credit and its cycle from its own card database, reminds you before each one expires, and you mark it used when you use it. No Plaid, no stored credentials. The trade-off is that it cannot see a charge post on its own.