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

January 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?

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 photo 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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Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
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6X6x points at hotels participating in the Marriott Bonvoy® program.
4X4x points for purchases made at restaurants worldwide, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping.
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  • Intro Offer
    Limited Time Offer: Earn 100,000 Bonus Marriott Bonvoy Points after spending $4,000 in purchases on your new Card in your first 3 months of Card Membership. Offer expires 11/2/22.

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  • Annual Fee

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  • 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.

    670-850
    Excellent/Good

Why We Chose It

The Marriott Bonvoy Business Amex is a stacked card with a rewards rate that will help you earn bonus points on everyday and business-related purchases. You'll earn 15 elite night credits each calendar year, and receive automatic Gold elite status. Finally, the free night award certificate with a redemption level of 35,000 points or less can get you hundreds of dollars in potential value each year.

Pros

  • 6x points on eligible purchases at hotels participating in the Marriott Bonvoy program
  • 4x points at restaurants worldwide, U.S. gas stations, wireless telephone services purchased directly from U.S. service providers and U.S. shipping
  • 2x points on all other eligible purchases
  • Earn a free-night award each card renewal month (up to 35,000 points)
  • Receive 15 elite night credits to jump-start status
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  • Airline points transfer ratios are poor
  • Must spend $60,000 in a year for second free-night award
  • Limited Time Offer: Earn 100,000 Bonus Marriott Bonvoy Points after spending $4,000 in purchases on your new Card in your first 3 months of Card Membership. Offer expires 11/2/22.
  • 6x points at hotels participating in the Marriott Bonvoy® program.
  • 4x points for purchases made at restaurants worldwide, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping.
  • 2x points on all other eligible purchases.
  • Receive a 7% discount off standard rates for reservations of standard guest rooms at hotels that participate in the Marriott Bonvoy program when you book directly. Terms and Conditions Apply.
  • Receive 1 Free Night Award every year after your Card renewal month. Plus, earn an additional Free Night Award after you spend $60K in purchases on your Card in a calendar year. Awards can be used for one night (redemption level at or under 35,000 Marriott Bonvoy® points) at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees.
  • Enjoy Complimentary Marriott Bonvoy Gold Elite Status with your Card.
  • Terms apply.
  • See Rates & Fees