It's that time of year again, awardtrail friend! As 2025 winds down, it's crucial to review your credit cards and their benefits that reset at the end of December. This is when annual spending limits on bonus categories, like the Amex Gold's 4x at US supermarkets (up to $25,000) or the Blue Cash Preferred's 6% back at grocery stores (up to $6,000), all go back to zero. Plus, many cards offer spend-based perks like free hotel nights or elite status, so now's the time to strategize how to hit those targets before the clock strikes midnight on December 31st.

But here's the really juicy part: it's also prime time to consider applying for new cards! Some, like the Amex Platinum and Citi Strata Elite, potentially offer a "double-dip" – earning credits or benefits both in the year you open the card and again the following year. You could even swing a "triple-dip" by strategically timing your spending. Also, if you're a referral whiz, remember that referral bonuses from Chase and Amex reset on January 1st. Max out those referrals now, then get ready to start racking up points again in the new year!

Don't forget about those Q4 bonus categories on cards like Chase Freedom and Discover – they're ending soon! Check your deals calendar for any expiring offers too. A little planning now can translate into a whole lot of rewards for your 2026 travels. Happy strategizing!