This recurring guide highlights credit-card statement credits that are easy to miss — many are quarterly, biannual or yearly and are “use it or lose it.” Bookmark and revisit each quarter to maximize value.
Key reminders
– Statement credits often have enrollment requirements, merchant restrictions and are capped at specified amounts. They generally cannot be rolled over.
– Check issuer sites and card terms for enrollment and current eligibility.
American Express
Amex cards include many periodic statement credits. Values shown are maximums and may require enrollment.
Amex Business Platinum
– Yearly — Dell credit: Up to $150 on U.S. Dell purchases plus an additional $1,000 statement credit after $5,000+ spent with Dell per calendar year (combined “up to” $1,150).
– Yearly — Hotel credit: Up to $600 per calendar year ($300 biannually) toward prepaid Fine Hotels + Resorts or Hotel Collection bookings via Amex Travel (Hotel Collection requires two-night minimum).
– Yearly — Adobe credit: Up to $250 after $600+ spent with Adobe within specified windows; enrollment required.
– Yearly — Clear Plus credit: Up to $209 per calendar year toward Clear Plus (excl. taxes/fees; auto-renews).
– Yearly — Airline fee credit: Up to $200 per calendar year for selected airline incidental fees.
– Quarterly — Indeed credit: Up to $90 per quarter (up to $360/year).
– Quarterly — Hilton credit: Up to $50 per quarter (up to $200/year) for purchases at Hilton properties; requires Hilton for Business membership.
Amex Platinum
– Yearly — Hotel credit: Up to $600 per calendar year ($300 biannually) for prepaid Fine Hotels + Resorts or Hotel Collection bookings via Amex Travel (two-night minimum for Hotel Collection).
– Yearly — Equinox credit: Up to $300 per calendar year for Equinox+ or club memberships.
– Yearly — Clear Plus credit: Up to $209 per calendar year.
– Yearly — Airline fee credit: Up to $200 per calendar year for a selected airline’s incidental fees.
– Biannually — Saks credit: $50 Jan–Jun and $50 Jul–Dec (up to $100/year) at Saks Fifth Avenue or saks.com.
– Quarterly — Resy credit: Up to $100 quarterly (up to $400/year) at eligible U.S. Resy restaurants when paying with the card.
Amex Gold
– Biannually — Resy credit: Two $50 biannual credits (one Jan–Jun, one Jul–Dec; up to $100/year) for eligible Resy purchases when paid with the Amex Gold. Enrollment required.
Amex Green
– Yearly — Clear Plus credit: Up to $209 per year toward Clear Plus (excl. taxes/fees; enrollment required).
Delta cobranded Amex cards
– Yearly — Delta Stays credit: $100–$250 per calendar year for Delta Stays bookings (amount varies by card; excludes the Delta SkyMiles Blue Amex).
Hilton (Amex) cards
Hilton Aspire
– Yearly — Clear Plus credit: Up to $209/year toward Clear Plus.
– Biannually — Hilton resorts credit: Up to $200 Jan–Jun and up to $200 Jul–Dec (up to $400/year) on eligible purchases at participating Hilton resorts.
– Quarterly — Flight credit: Up to $50 per quarter (up to $200/year) for flights purchased directly with airlines or through amextravel.com (data points show possible use for upgrades, award taxes/fees, United TravelBank reloads).
Hilton Business and Hilton Surpass
– Quarterly — Hilton credit: Up to $60 per quarter with Hilton Honors Amex Business (up to $240/year) and up to $50 per quarter with Hilton Surpass (up to $200/year). Eligible purchases include room charges and incidentals; some data points show dining and gift-store purchases may also trigger the credit.
Capital One
Few Capital One cards offer periodic statement credits; remember to use them if you have eligible cards.
Venture X Rewards and Venture X Business
– Yearly — $300 travel credit: $300 per anniversary year for bookings through the Capital One Travel portal (Capital One Business Travel for the business version).
Chase
Chase cards include biannual and annual credits tied to travel, dining and business services.
Chase Sapphire Preferred
– Yearly — $50 hotel credit: $50 for hotel bookings made via Chase Travel each anniversary year.
Chase Sapphire Reserve
– Biannually — The Edit credit: Up to $250 biannually (up to $500/year) for eligible bookings with The Edit luxury hotel program via Chase Travel.
– Biannually — StubHub/Viagogo credit: Up to $150 biannually (up to $300/year) for event tickets (through a specified date).
– Biannually — OpenTable dining credit: Up to $150 biannually (up to $300/year) for prime-time reservations at Sapphire Reserve Exclusive Tables.
Chase Sapphire Reserve for Business
– Annually — Google Workspace credit: Up to $200 annual credit for Google Workspace purchases (through specified dates).
– Biannually — The Edit credit: Up to $250 biannually (up to $500/year).
– Biannually — ZipRecruiter credit: Up to $200 biannually (up to $400/year through specified dates).
– Biannually — Giftcards.com credit: Up to $50 biannually (up to $100/year through specified dates).
IHG cobranded cards (Chase)
– Biannually — United TravelBank Cash: Up to $25 biannually (up to $50/year) for IHG One Rewards Premier cardholders; credits are deposited twice yearly and have expiration windows. Card must be linked to United MileagePlus for automatic deposit.
United cobranded (Chase)
United cards offer a mix of yearly credits; amounts and availability vary by card:
– Yearly — Renowned Hotels/United Hotels hotel credit: Up to $200 (varies by card).
– Yearly — JSX credit: Up to $200 (varies by card).
– Yearly — TravelBank Cash: Up to $200 (varies by card).
– Yearly — Car rental TravelBank Cash: Up to $100 (varies by card).
– Yearly — FareLock credit: Up to $50 for FareLock purchases with eligible business cards.
World of Hyatt Business
– Yearly — Hyatt credit: Two $50 statement credits (each requires $50+ spend at a Hyatt property), up to $100/year.
Citi
Citi cards include annual credits across travel, rental cars and merchant-specific “splurge” credits.
Citi / AAdvantage Executive
– Yearly — Rental car credit: Up to $120/year on eligible prepaid Avis or Budget rentals (terms vary by application date).
Citi / AAdvantage Globe
– Yearly — Splurge credit: Up to $100/year in choice of up to two merchants (options include 1stDibs, AAdvantage Hotels, Future Personal Training, Live Nation; exclusions apply).
Citi Strata Elite
– Yearly — Hotel credit: Up to $300/year off a prepaid, two-night minimum hotel stay booked through Citi Travel.
– Yearly — Splurge credit: Up to $200/year across select brands (1stDibs, American Airlines, Best Buy, Future Personal Training, Live Nation; exclusions apply).
– Biannually — Blacklane credit: Up to $100 biannually (up to $200/year) for Blacklane chauffeur bookings.
Citi Strata Premier
– Yearly — Hotel credit: $100 credit off a single hotel stay of $500+ (excl. taxes/fees) when booked through specified Citi channels; applied at booking.
U.S. Bank
U.S. Bank Altitude® Go Visa Signature® Card
– Yearly — Streaming credit: $15 streaming service credit after 11 months of eligible streaming purchases (eligible merchants include services such as Apple TV+, Netflix, Spotify).
Bottom line
Maximizing card value requires using all perks and statement credits before they expire. Track quarterly, biannual and annual benefits, enroll where required, and use this checklist each quarter to ensure you capture every credit available to you.
