You’ve got today and tomorrow to finish off any September/Q3 deals and now is a great time to do housekeeping. Here’s what I’d make sure you check over the next day:

1. The Chase Pay-Yourself-Back increased redemption as we know it ends tomorrow as advertised. It may be extended until December 31, but it may not be. Make sure you cash out any excess Ultimate Rewards not set aside for future travel by tomorrow to be safe.

2. The American Express transfer bonus bonanza also ends tomorrow. Now is a great time to plan for your spring award bookings and get more bang for your Membership Rewards.

3. Spend any American Express credits in Uber Eats or Uber by tomorrow night.

4. Check for any annual fees that posted this and call the bank for a retention offer. My script: “I’m thinking of closing this card because of its high annual fee, but before I decide what to do I was wondering if there are any retention offers or spend bonuses.” As usual, bonus travel hacker points if you say: “COVID has made it really hard to use the benefits, I wish it would end soon”. Don’t stop at the first offer they give you either by the way, there may be more. Always say: “Are there any other offers available?”

American Express specific note: If you accept a retention offer, plan on keeping that card for 12-13 months to avoid getting popups that deny credit card bonuses going forward.

5. If you have an American Express co-branded personal card (Marriott, Delta, Hilton), make sure you’ve attached the dining offer to your card and that you’ve spent it by tomorrow night. The easiest way to do this from home is to buy an exact value DoorDash gift card on Fluz. Amazon Meals is another decent option. As always, find a Fluz referral from a friend to make their day if you don’t have an account already, they’ll earn something and so will you.

6. Spend any American Express co-branded business card wireless credits by tomorrow night, but make sure you’ve added the offer to your cards first.

7. Make sure you’ve spent any $10 American Express Personal Gold dining credits. My go to is the local coffee shop; a couple of lattes and a croisshark pastry, which jumps just north of $10 on GrubHub. Buying physical gift cards at a ShakeShack is another option.

8. Cancel any cell phone burner accounts that you’re done with (and for which you didn’t use a virtual credit card number that already expired).

9. Finish off any Q3 5x bonused spend on Chase Freedom cards, Discover IT cards, US Bank Cash+ cards, Citi Custom Cash cards, or similar.

Finally, remember that Q4 gift card reselling, physical goods reselling, grocery rewards deals, and travel deals kick into high gear really soon, so rest while you can. Before you ask: No, reading Flyertalk until 2AM doesn’t count as rest.

An image of a woman asleep sitting up in a laundry basket.
Pictured: Resting up after Q3 housekeeping.

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