This recurring guide lists credit-card statement credits that are easy to overlook — many are quarterly, biannual or annual and operate on a ‘use it or lose it’ basis. Bookmark and revisit every quarter to make sure you capture all available value.
Key reminders
– Many statement credits require enrollment, have merchant restrictions, and are capped at set amounts. They typically do not roll over.
– Always check your issuer’s benefit pages and card terms for current enrollment steps and eligibility windows.
American Express (overview)
Amex cards offer numerous periodic credits. Amounts below are maximums and some benefits need enrollment.
Amex Business Platinum
– Dell credit (annual): Up to $150 on U.S. Dell purchases, plus an additional $1,000 statement credit after you spend $5,000+ with Dell in a calendar year (combined total up to $1,150).
– Hotel credit (annual): Up to $600 per calendar year ($300 biannually) for prepaid Fine Hotels + Resorts or Hotel Collection bookings via Amex Travel (Hotel Collection requires a two-night minimum).
– Adobe credit (annual): Up to $250 after $600+ spent with Adobe within specified windows; enrollment required.
– Clear Plus credit (annual): Up to $209 toward Clear Plus (excludes taxes/fees; auto-renews).
– Airline fee credit (annual): Up to $200 per calendar year for a selected airline’s incidental fees.
– Indeed credit (quarterly): Up to $90 per quarter (up to $360/year).
– Hilton credit (quarterly): Up to $50 per quarter (up to $200/year) for purchases at Hilton properties; requires Hilton for Business membership.
Amex Platinum
– Hotel credit (annual): 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).
– Equinox credit (annual): Up to $300 per calendar year for Equinox+ or club memberships.
– Clear Plus credit (annual): Up to $209.
– Airline fee credit (annual): Up to $200 for a selected airline’s incidental fees.
– Saks credit (biannual): $50 Jan–Jun and $50 Jul–Dec (up to $100/year) at Saks Fifth Avenue or saks.com.
– Resy credit (quarterly): Up to $100 per quarter (up to $400/year) at eligible U.S. Resy restaurants when paying with the card.
Amex Gold
– Resy credit (biannual): Two $50 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
– Clear Plus credit (annual): Up to $209 per year toward Clear Plus (excludes taxes/fees; enrollment may be required).
Delta cobranded Amex cards
– Delta Stays credit (annual): $100–$250 per calendar year for Delta Stays bookings (amount varies by card; excludes Delta SkyMiles Blue).
Hilton (Amex) cards
Hilton Aspire
– Clear Plus credit (annual): Up to $209/year toward Clear Plus.
– Hilton resorts credit (biannual): Up to $200 Jan–Jun and up to $200 Jul–Dec (up to $400/year) on eligible purchases at participating Hilton resorts.
– Flight credit (quarterly): Up to $50 per quarter (up to $200/year) for flights purchased directly with airlines or via AmexTravel.com (data points show possible use for upgrades, award taxes/fees, and United TravelBank reloads).
Hilton Business and Hilton Surpass
– Hilton credit (quarterly): 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 typically include room charges and incidentals; some reports show dining and gift-store purchases may also qualify.
Capital One
Only a few Capital One cards offer periodic statement credits—remember to use them if you hold qualifying cards.
Venture X Rewards and Venture X Business
– Travel credit (annual): $300 per anniversary year for bookings through the Capital One Travel portal (Capital One Business Travel for the business version).
Chase
Chase offers biannual and annual credits tied to travel, dining and business services.
Chase Sapphire Preferred
– Hotel credit (annual): $50 for hotel bookings made via Chase Travel each anniversary year.
Chase Sapphire Reserve
– The Edit credit (biannual): Up to $250 every six months (up to $500/year) for eligible bookings with The Edit luxury hotel program via Chase Travel.
– StubHub/Viagogo credit (biannual): Up to $150 every six months (up to $300/year) for event tickets (available through a specified date).
– OpenTable dining credit (biannual): Up to $150 every six months (up to $300/year) for prime-time reservations at Sapphire Reserve Exclusive Tables.
Chase Sapphire Reserve for Business
– Google Workspace credit (annual): Up to $200 annual credit for Google Workspace purchases (available through specified dates).
– The Edit credit (biannual): Up to $250 every six months (up to $500/year).
– ZipRecruiter credit (biannual): Up to $200 every six months (up to $400/year through specified dates).
– Giftcards.com credit (biannual): Up to $50 every six months (up to $100/year through specified dates).
IHG cobranded cards (Chase)
– United TravelBank Cash (biannual): Up to $25 every six months (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 include various annual credits that differ by card:
– Renowned/United Hotels hotel credit (annual): Up to $200 (varies by card).
– JSX credit (annual): Up to $200 (varies by card).
– TravelBank Cash (annual): Up to $200 (varies by card).
– Car rental TravelBank Cash (annual): Up to $100 (varies by card).
– FareLock credit (annual): Up to $50 for FareLock purchases with eligible business cards.
World of Hyatt Business
– Hyatt credit (annual): 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
– Rental car credit (annual): Up to $120/year on eligible prepaid Avis or Budget rentals (terms vary by application date).
Citi / AAdvantage Globe
– Splurge credit (annual): Up to $100/year in a choice of up to two merchants (options can include 1stDibs, AAdvantage Hotels, Future Personal Training, Live Nation; exclusions apply).
Citi Strata Elite
– Hotel credit (annual): Up to $300/year off a prepaid, two-night minimum hotel stay booked through Citi Travel.
– Splurge credit (annual): Up to $200/year across select brands (1stDibs, American Airlines, Best Buy, Future Personal Training, Live Nation; exclusions apply).
– Blacklane credit (biannual): Up to $100 every six months (up to $200/year) for Blacklane chauffeur bookings.
Citi Strata Premier
– Hotel credit (annual): $100 credit off a single hotel stay of $500+ (excluding taxes/fees) when booked through specified Citi channels; applied at booking.
U.S. Bank
U.S. Bank Altitude Go Visa Signature Card
– Streaming credit (annual): $15 streaming service credit after 11 months of eligible streaming purchases (eligible merchants include services such as Apple TV+, Netflix, Spotify).
Bottom line
To maximize card value, track and use all perks and statement credits before they expire. Keep a running checklist, enroll where required, and review this guide each quarter so you don’t leave credits on the table.