It's that time of year again, awardtrailblazers! As 2025 winds down, it's crucial to check your credit card benefits and spending limits that reset on December 31st. This isn't just about maximizing rewards; it's about strategically planning your spending to potentially snag a "double-dip" on certain benefits or even a "triple-dip" by timing a new card application just right. Cards like the Amex Platinum, Citi Strata Elite, and Bank of America Premium Rewards Elite are prime examples where you can maximize value with end-of-year applications. Specifically, pay attention to annual spending limits on bonus categories. For example, the Amex Gold earns 4x points at US grocery stores, but only up to $25,000 per calendar year. Many Amex cards have similar grocery spending caps that reset in January. Also, if you're a referral rockstar, remember that Chase and Amex referral bonuses reset annually, so max out those referrals ASAP and then start fresh in the new year. Don't forget about quarterly bonus categories! The current categories for cards like Chase Freedom, Discover, Citi Dividend, and U.S. Bank Cash+ end on December 31st. Lastly, if you're chasing elite status with Hilton via Amex cards, those spending requirements also reset at the end of the year. Basically, now's the time to strategize to squeeze every last point, mile, and perk out of your credit cards!