THESE Credit Card Benefits END Oct 1st - Act Fast

Well, we are coming to the end of September. The leaves are turning golden, the scent of pumpkin spice lattes is filling every Starbucks, and there are a load of credit card benefits that you must use up before the end of the quarter or you will lose them altogether. In addition to that, the last day of the month, September 30th, this Wednesday, is the expiry date on several limited-time credit card bonuses that you could sign up for too, and it's also your last chance to transfer chase points In this video, I'm going to go through a load of credit card offers and benefits that you must use before October 1st. Hey Credit Warriors. Welcome to the show. My name is Ben Hedges, aka The Credit Shoo-Foo, and on this channel, I cover US credit cards, personal finance, and luxury travel. If you like the sound of that, please subscribe, but let's get into it. This video is brought to you by Revenued, but more on that later. Okay, so let's get through the obvious stuff first. Since the end of September is the end of quarter 3 of 2026, you have about 48 hours left to max out your Chase Freedom Flex, Discover It, and Citi Dividend rotating categories before they reset and switch to the quarter 4 categories on October 1st. Now, Chase and Discover are probably the most widely applicable since the Citi Dividend card is no longer available to new applicants. So let's look at Chase and Discover first. Both the Chase Freedom Flex and the Discover It cashback card allow you to earn 5% cashback on $1,500 in spending for the quarter in that quarter's categories. So that works out at $75 in bonus cashback, and in the case of the Chase card, you can convert that to Ultimate Rewards points, so it could be redeemed to 7,500 points as well. Here are the categories that will end at the end of the month. For Chase, it is gas stations, public transit, EV charging, select live entertainment, and United Way, which is a charity. For Discover, the categories are gas stations, EV charging, flights, and drugstores. So be sure to completely max those out by Wednesday if you can. Since both these cards have gas as a category, if you still have some way to go with the spending, be sure to completely fill your gas tank before the end of the month. And personally, I like to keep some full gas cans in my garage too, so I will probably fill up a few of those. You know, if the world ends, I don't want to have to negotiate with that dude from Mad Max to buy gasoline. Once again, we send off my war rig to bring back gasoline from Gas Town and bullets from the bullet bar. So I always keep a few cans full. He would actually have to buy from me, in fact. Anyway, moving on to the City Dividend card for those that have it. The bonus categories for this quarter also feature gas, so it's gas stations and home improvement stores. Be sure to max those out. All right, let's move on to some coupon book-style credits that you need to use before the end of the month, and then we'll get into some credit card bonuses All right, so if you're a classy enough person to have the American Express Platinum card, then you have a couple of credits that are expiring at the end of the quarter, namely the Lululemon credit and the Rezzy credit. If you're not sure whether you have used these credits or not, do this now. Go to the benefits section of your online account and you will be able to see how much you've used on each. The Lululemon one gives you this little health bar that fills up. You can see I've used $64, and I have $11 left. I probably won't use the 11. I feel 64 is most of the way there, and I don't want to have to spend more money than the credit. I like getting stuff completely for free. Then on the Rezzy one, it just says that I've used the full $100 for the quarter. So I've used mine. If you haven't used yours yet, get yourself to a Rezzy restaurant. You can find them on Rezzy.com, and the site will also tell you if that restaurant is eligible for the credit or not. In reality, 99% of Rezzy restaurants are, but it's nice to be sure. Then you can just go to the restaurant and use your Platinum card to pay, and you'll get refunded up to $100. For Lululemon, if you don't have anything specific you want, I recommend going to the We Made Too Much section, and you can find reduced clothing items here. It's typically about 30% off. So you're getting refunded for the credit, and you're getting even more value because it's also reduced. I often buy useful everyday clothing items from this section, like underwear and socks that I would have to buy anyway, but now I'm just getting higher quality than I would normally buy because I'm getting Lululemon products. Okay, let's now move on to some huge welcome bonuses and other types of credit card benefits that are ending on September 30th. But first, I know business can have its ups and downs. We're just about finishing up the summer months, which is the time of the lowest views on YouTube. And as a business owner, that can really cause a headache. In my Airbnb business, I have a similar low season, but in the spring. That is why it's always useful to have convenient access to funding sources, and one source of business funding that I think is really useful is from today's sponsor, Revenued. They offer their flex line to businesses over a year old that have at least $20,000 in monthly revenue and maintain a separate business bank account. In making funding decisions, Revenued doesn't look at your credit score. Instead, they link to your business bank account with Plaid and base their decision on your actual business revenue data. So you're Revenued. Get it? Sounds like a TV show from 2003. You can then use the funds for things like managing cash flow, funding investment in your business, hiring, and as a buffer in the slow months. Once opened, you are under no obligation to draw on the funds, but the flex line is there for you when you need it. The Revenued flex line charges no origination, maintenance, or draw fees, and you can get a funding decision in as little as one hour based on your business revenue, not your credit score. It's a modern flexible funding tool for established businesses and a great alternative to traditional bank funding. So don't get punked by the big banks. Get Revenued today by clicking my link below to get started. All right, so here are two huge welcome bonuses on Marriott credit cards that end on September 30th. Let's check them both out now. So these are on the American Express personal cards, the Marriott Bonvoy Bevy and the Marriott Bonvoy Brilliant from Amex. On the Bevy, which is their high mid-tier card, like I would say it's tier 3.5 in my five-tier credit card ladder system, since it has an annual fee of $250. Most cards in that tier, by the way, are normally like $95, $99, so around $100. So $250 is kind of like halfway to the next tier, all right? Anyway, on this card, the bonus is 125,000 bonus points plus a $150 statement credit after you make $5,000 in purchases within the first six months. Note that it is six months instead of the usual three months. So that is $833 per month. And the value of the bonus using the PointsGuys valuation for Marriott points of 0.75 cents each would be $937.50 for the points plus $150 for the statement credit, which takes you to $1,087.50. Then we have the bonus on their high-end Brilliant card, which has a $650 annual fee, and that is 150,000 bonus points plus a $250 statement credit after you make $6,000 in purchases within the first six months. And so that would be $1,000 per month you have to spend. The value of the bonus is $1,125 for the points plus the statement credit of $250. So that takes us to $1,375. So both are actually very valuable bonuses with reasonable spending requirements and they are both ending on September 30th. Now, if you miss these bonuses for whatever reason, maybe you just not wanting to apply for a new card now or maybe you've got like a high balance on another card that you need to pay down and thus improve your approval odds or something. There is actually another bonus for 100,000 points plus a free night award on the Marriott business card, okay, from American Express. And this one expires on November 4th, okay? So you've got like a month and a half or so to apply for that one if you miss these two. All right, guys, let's now move on to the end of one-to-one transfers of Chase points to a certain hotel chain. So if you have either the Chase Sapphire Preferred or the Chase Ink Preferred, these two mid-tier cards that have the ability to transfer points to Chase's transfer partners, there is an important update regarding transfers to Hyatt. Starting from 12 a.m. Eastern time on October 1st, 2026, your ultimate rewards points will transfer to World of Hyatt at a rate of four to three. That means if you transfer 1,000 ultimate rewards points, you will get 750 World of Hyatt points. So in other words, if you have a load of points you want to transfer to Hyatt, you need to transfer them by Wednesday to get that one-to-one ratio or else you will get lower value of four to three. So only 750 Hyatt points for every 1,000 Chase points you transfer over. Hyatt is a very valuable transfer partner. The points guy values Hyatt points at 1.65 cents each. And I personally have used Hyatt points very successfully for stays at the all-inclusive Hyatt resorts in Cancun and Los Cabos. So what if you miss that deadline or you just don't have any Chase points right now, but you will do in the future after October 1st and you would be interested in transferring to Hyatt? Can you still get that one-to-one ratio somehow? Well, yes, you can. You just need to upgrade to the Chase Sapphire Reserve. That's right. Chase will now only give that coveted one-to-one transfer ratio to their highest level card members with the Sapphire Reserve and Sapphire Reserve Business. Obviously, those cards have a much higher annual fee of 7.95. So you would have to really use the benefits or have a really valuable Hyatt redemption that you want to book to make it worth it. But if you are just on the Sapphire Preferred or Chasing Preferred and you have points you want to transfer before the ratio changes, do it by September 30th. All right, guys, that's the video for today. Thanks for watching. A big thank you to Revenued for sponsoring this video. Check out their Flex line in the links below. Please subscribe to our channel if you're new and don't forget to do all the things we mentioned by September 30th. We'll see you next time. Bye-bye.