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Credit Card Credits and Bonuses That Reset October 1, 2026
September 27, 2026
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Quarterly card credits reset on October 1, 2026. Any Q3 credit you didn't use expired September 30, and a fresh Q4 round of up to $100 in Resy credits, $75 in lululemon credits and $50 Hilton credits opens today. You have until December 31 to use them.
Here is every quarterly credit that resets October 1, 2026, plus the other card bonuses starting the same day.
Quarterly Credit Card Credits That Reset October 1
- The Platinum Card® from American Express: up to $100 in statement credits at qualifying U.S. Resy restaurants, and up to $75 in statement credits at U.S. lululemon stores (excluding outlets) and lululemon.com. Enrollment required.
- The Business Platinum Card® from American Express: up to $90 in statement credits on Indeed purchases, and up to $50 in statement credits for Hilton for Business members on eligible purchases made directly with Hilton. Enrollment required.
- Hilton Honors American Express Surpass® Card: up to $50 in statement credits on purchases made directly with a property in the Hilton portfolio.
- Hilton Honors American Express Aspire Card: up to $50 in statement credits on flights booked directly with an airline or through AmexTravel.com.
- Chase Freedom Flex®: up to $10 off DoorDash non-restaurant orders.
If you enrolled in the Platinum or Business Platinum credits for Q3, check that you are still enrolled before you spend.
One Aspire note: the up to $400 Hilton resort credit is paid semi-annually, not quarterly. The July through December half is still open until December 31.
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Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.
Need a refresher on how the Platinum credits work? See our guide to the Amex Platinum Resy and lululemon credits.
Quarterly credits are easy to miss. Kudos tracks the credits on every card in your wallet automatically. See how the Benefits Tracker works.
Q4 5% Rotating Categories Also Start October 1
The Q4 2026 rotating categories run October 1 through December 31. Dining pays 5% on the Chase Freedom Flex®, Discover it® Cash Back and Citi Dividend at the same time, and U.S. Bank Cash+® cardholders pick their own two 5% categories. Every card needs activation, and Discover won't pay 5% on purchases made before you activate.
Categories, caps, deadlines and activation links for every card are in our Q4 2026 Credit Card 5% Rotating Categories guide.
Add your cards to Kudos and we track the credits on each one, so a $100 Resy credit doesn't quietly expire again on December 31.
Another credit starts October 1. Chase Sapphire Reserve cardholders get a new $15 monthly DoorDash credit. See the new DoorDash credit.
Bilt Rent Day Falls on October 1
October's Rent Day brings one-day transfer bonuses to Amtrak Guest Rewards (up to 125%) and Hilton Honors (up to 200%), plus double points on eligible purchases for Bilt Blue Card, Bilt Obsidian Card and Bilt Palladium Card (See Rates & Fees) holders, excluding housing and tax payments. The bonuses end at 11:59 p.m. PT on October 1.
The tier-by-tier math, and which bonus is worth your points, is in our Bilt Rent Day October 2026 breakdown.
Moving points to Hilton this month? Amex is running its own 30% Hilton transfer bonus through October 14. See the Amex Hilton transfer bonus.
Also Running Into October
- Amex Membership Rewards to Hilton: a 30% transfer bonus runs through October 14, on top of Amex's standard 1:2 ratio.
- Amex Hilton cardholder stay offer: some Hilton Honors American Express cardholders are seeing 10,000 bonus points for a stay of three nights or more. Register by November 9, 2026 and complete the stay by January 3, 2027. Check your Amex account to see if you're targeted.
- Hyatt Q4 promotion: 3,000 bonus points on stays of three nights or more through December 15, 2026.
Your October 1 Checklist
- Confirm enrollment for Amex Platinum and Business Platinum quarterly credits
- Book a Resy dinner or plan a Hilton stay before December 31
- Activate your Q4 5% categories on Chase, Discover, Citi and U.S. Bank
- Decide on any Bilt Rent Day transfer before 11:59 p.m. PT
Frequently Asked Questions
Which Credit Card Credits Reset Quarterly?
The Platinum Card® from American Express resets its Resy and lululemon credits each quarter. The Business Platinum Card® resets its Indeed and Hilton credits, the Hilton Honors American Express Surpass® Card resets its Hilton credit, and the Aspire resets its flight credit. The Chase Freedom Flex® DoorDash discount is also quarterly.
When Do Amex Platinum Credits Reset?
The Resy and lululemon credits reset at the start of each calendar quarter: January 1, April 1, July 1 and October 1. The Q4 2026 credits are available from October 1 through December 31.
Do Unused Quarterly Credits Roll Over?
No. Quarterly credits are use-it-or-lose-it each quarter. Any Q3 balance you didn't use ended September 30.
Let Kudos Handle the Reset
October 1 puts fresh credits, new categories and a one-day transfer window on the same morning. Kudos keeps your card credits in one place and recommends the best card at checkout.
Explore cards on Kudos to see which card fits your Q4 spending.
Unlock your extra benefits when you become a Kudos member
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Join over 400,000 members simplifying their finances
Editorial Disclosure: Opinions expressed here are those of Kudos alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.
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