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Act fast: It's your last day to select benefits with these loyalty programs and credit cards

Jan. 31, 2022
6 min read
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It's Jan. 31. Not only does that mean we're already a month into the new year, but it's also time to take inventory of any expiring benefits and rewards you might still have.

There are a number of benefits and rewards that reset tomorrow – not only because it’s the last day of the month, but also because it's the end of the status year with several loyalty programs. There are perks expiring for Delta elites, American Express and Chase cardholders, American Airlines flyers and more.

Keeping track of all these benefits can be challenging, so here's a quick rundown to make that easier.

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Delta Choice Benefits

(Photo by Zach Griff/The Points Guy)

Each year, those who earn or requalify for Delta Platinum or Diamond status are awarded a set of Choice Benefits. These range from Sky Club memberships to upgrade certificates, bonus SkyMiles and more.

Choice Benefits must be selected by Jan. 31 of the year following the calendar year you earned the status. So, if you had status in 2021 (earned through flights and spending in 2020), you must pick your benefits by the end of the month. Delta also gave 2021 Choice Benefits to members who had elite status extended during the coronavirus pandemic.

If you requalified for status this past year, you’ll get another set of Choice Benefits, which you can begin to select on Feb. 1, 2022, through Jan. 31, 2023. Those who had their status extended but did not organically requalify will not get another set of Choice Benefits.

You can select your Delta Choice Benefits using this form on Delta's website.

Related: Which Delta Choice Benefits should you pick?

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Airline selection for Amex fee credit

(Photo by Katie Genter/The Points Guy)

Several premium American Express cards come with an annual airline fee credit of up to $200 to $250, depending on the card. The credit itself operates on a calendar year basis, meaning it's available from Jan. 1 to Dec. 31. However, you're supposed to select your airline for the year by Jan. 31.

Note that based on our experiences, Amex has been pretty lenient about permitting airline selection changes beyond the usual Jan. 31 deadline for those who called or used the online chat feature to ask. Of course, there's no guarantee that will work for you, but it's worth keeping in mind if you aren't set on an airline yet.

To select your airline, log in to your Amex account and select the card that has an airline fee credit. Then, head to the Benefits page, find the "$200 Airline Fee Credit" option and select your desired airline at the center of the page.

(Screenshot courtesy of americanexpress.com)

Related: How (and why) to change your airline for your Amex fee credit

MyPanera Coffee+ subscription

(Photo courtesy of American Express)

All U.S. consumer and business Amex cardholders are eligible for a complimentary six-month subscription to MyPanera+ Coffee. This gets you unlimited hot or iced coffee or hot tea — in any size — at U.S. Panera locations.

To take advantage of this offer, you must register through this link, no later than Jan. 31, 2022. You'll also have to be a MyPanera member (join here for free) and be a new MyPanera Coffee+ subscription member — meaning that you’re ineligible if you’ve participated in Panera’s coffee membership in the past.

Related: Amex cardholders can now get free coffee through Panera

Chase’s Complimentary DoorDash membership

(Photographer: Andrew Harrer/Bloomberg via Getty Images)

In 2020, Chase introduced complimentary DoorDash DashPass memberships for certain cardholders. If you haven’t enrolled in the subscription yet, you have until March 31, 2022, to do so.

But if you enrolled in 2020, your membership will end on Jan. 31, 2022, and renew at the $9.99 monthly rate. If you'd like to cancel your membership before then, you can do so under the “Manage DashPass” tab on your DoorDash app.

Related: Free Chase DoorDash membership ends soon; $9.99 monthly bill if you don’t cancel

American Airlines Flight Credit promotion

(Photo by Benji Stawski/The Points Guy)

American Airlines "Flight Credits" from canceled flights can normally only be used by the originally ticketed passenger. However, in October, American introduced a promotion that allows travelers to use their existing Flight Credits for others. This promotion ends on Jan. 31, 2022.

Though this is a limited-time offer, know that American has embarked on a multi-step process for making it easier to redeem these credits. Flight Credits are being converted into more flexible “Trip Credit," and they are always transferrable — you don’t need to rely on a limited-time promotion to use your voucher for someone else.

Related: American Airlines promo gives redeeming credits a new lifeline

Monthly Amex statement credits

In addition to these bigger benefits and rewards expiring today, don't forget about any ongoing benefits that reset tomorrow. For instance, there's the monthly Uber Cash credit offered by the American Express® Gold Card and The Platinum Card® from American Express. The Gold Card also offers its monthly dining credit, while the Platinum Card also provides monthly digital entertainment, Equinox and Walmart credits. Enrollment is required for select benefits.

Related: Here’s how to use (and track) your Amex statement credits

Bottom line

The clock is ticking to take advantage of several expiring benefits and rewards. These perks can be highly valuable and are an excellent way to recoup an ongoing annual fee on a credit card. Act now so you don’t miss out on these perks.

Featured image by Delta's Premium Select cabin on the Airbus A350
Editorial disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

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  • Earn 10x points on eligible hotels and car rentals booked through the Credit One Bank travel site
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Apply for Credit One Bank Wander® Card
at Credit One Bank's secure site
Terms & restrictions apply. See rates & fees
Best for earning alternative rewards for travel purchases
TPG Editor‘s Rating
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
3 / 5
Go to review

Rewards Rate

10XEarn 10x points on eligible hotels and car rentals booked through the Credit One Bank travel partner site
5XEarn 5x points on eligible travel, dining, and gas
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  • Intro Offer
    Earn 10,000 bonus points after spending $1,000 on eligible purchases in the first 90 days and redeem for a $100 statement credit, gift cards, or travel

    Earn 10,000 Bonus Points
  • Annual Fee

    $95
  • Recommended Credit
    Credit ranges are a variation of FICO© Score 8, one of many types of credit scores lenders may use when considering your credit card application.

    Fair/Good

Why We Chose It

The revamped Wander Card from Credit One Bank earns cardmembers up to 10 points per dollar spent on eligible travel purchases. With no foreign transaction fees, the card is also great for international travel. However, points earned from this card can only be used at a fixed value, so it may not be the best option for those striving to get maximum value from their rewards.

Pros

  • This card has no foreign transaction fees and earns up to 10 points per dollar on travel purchases through the Credit One Bank travel partner site.

Cons

  • While cardholders can earn a significant amount of points on travel purchases, there isn't any way to redeem points from the Wander Card for maximum value (beyond 1 cent per point).
  • Earn 10,000 bonus points after spending $1,000 on eligible purchases in the first 90 days and redeem for a $100 statement credit, gift cards, or travel
  • Earn 10x points on eligible hotels and car rentals booked through the Credit One Bank travel site
  • Earn 5x points on eligible travel, dining, and gas
  • Earn 1x points on all other purchases
  • Redeem your reward points for statement credits, gift cards, merchandise, flights, hotels, and more
  • With $0 Fraud Liability, you won’t be responsible for unauthorized charges
  • Free Online Credit Score and Credit Report summary, terms apply
  • If you are a Covered Borrower under the Military Lending Act, you may get a different offer
  • See Rates & Fees