Forgettable statement credits checklist: Perks and benefits not to be overlooked

Editor’s note: This is a recurring post, regularly updated with new information and offers.

At TPG, we’re all about maximizing our credit cards. Part of that motto includes maximizing any and all benefits provided by issuers, which include statement credits.

Our monthly checklist highlights all the perks and benefits you should use every month. Whether you have one or several credit cards, having a checklist as a reminder is an excellent way to ensure you maximize all that’s provided to you.

There are some statement credits provided at irregular intervals, such as quarterly, biannually or yearly, and these are the ones we can easily forget about.

So, here are some important reminders for statement credits that should not be overlooked. I suggest bookmarking this page and revisiting it every quarter.

American Express

Numerous card perks are available, and you should use them since Amex offers a variety of statement credits at different intervals throughout the year. As always, these values are “up to” amounts, meaning it is the maximum amount you will receive in statement credits. If you spend less than this amount, you’re only reimbursed for that lower amount.

Additionally, these are not benefits you can roll over and use later. They are “use it or lose it” credits.

the entrance to an American Express lounge — ZACH GRIFF/THE POINTS GUY

The Platinum Card from American Express

Yearly — up to a $200 hotel credit: Book a prepaid Fine Hotels + Resorts or Hotel Collection property through American Express Travel and pay with The Platinum Card® from American Express. For The Hotel Collection bookings, the reservation must be for at least two nights.
Yearly — up to a $200 airline fee credit: Select one qualifying airline and receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Amex Platinum card. The credit can be used all at once or through multiple transactions.
Yearly — up to a $300 Equinox credit: The statement credit can be applied to paying for Equinox+ or any Equinox club membership (subject to auto-renewal). Check out this guide on how to use this benefit. Enrollment is required.
Yearly — up to a $199 Clear Plus credit: Cardmembers receive up to $199 in statement credits per year toward a Clear Plus membership (excluding taxes and fees; subject to auto-renewal).
Biannually — up to a $50 Saks Fifth Avenue credit: Receive annual statement credits for purchases at Saks Fifth Avenue or saks.com when using your Amex Platinum. You receive up to $50 in statement credits from January through June and up to $50 in statement credits from July through December. No minimum purchase is required. Enrollment is required.

Using these benefits and statement credits can help offset the card’s hefty $695 annual fee (see rates and fees).

Apply here: The Platinum Card from American Express

The Business Platinum Card from American Express

Yearly — up to a $200 airline fee credit: Select one qualifying airline and receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to The Business Platinum Card® from American Express. The credit can be used all at once or through multiple transactions.
Yearly — up to a $199 Clear Plus credit: Cardmembers receive up to $199 in statement credits per year toward a Clear Plus membership (excluding taxes and fees; subject to auto-renewal).
Biannually — up to a $400 Dell credit: Receive up to $200 in credits from January to June and up to $200 in credits from July to December when making purchases at Dell.com. The tentative end date for this benefit is June 30, 2025. Enrollment is required in advance.

Apply here: The Business Platinum Card from American Express

American Express Gold Card

Biannually — up to $100 Resy credit: Cardmembers receive two up to $50 biannual credits, one from January to June and another from July to December. Statement credits are redeemed by dining at a U.S. restaurant that accepts Resy reservations and paying with the American Express® Gold Card and on other eligible Resy purchases. A reservation via Resy is not required to earn the statement credit. Enrollment is required.
Up to $7 Dunkin’ credit: Cardmembers will receive up to $7 in monthly statement credits to be used at Dunkin’ locations within the U.S. This credit can be forgettable as it’s only valid at one food outlet. Enrollment is required.

Apply here: American Express Gold Card

American Express Green Card

Yearly — up to a $199 Clear Plus credit: Cardmembers receive up to $199 in statement credits per year toward a Clear Plus membership (excluding taxes and fees; subject to auto-renewal).
Yearly — up to a $100 lounge credit: When purchasing airport lounge access through LoungeBuddy to any of the lounges in the LoungeBuddy network, cardmembers receive a statement credit for up to $100. This statement credit ends on January 12, 2025.

The information for the Amex Green Card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

Delta cobranded cards

Yearly — Delta Stays credit: Cardmembers receive up to $100 as a statement credit when using the Delta SkyMiles® Gold American Express Card to book prepaid hotels or vacation rentals through Delta Stays; up to $150 with the Delta SkyMiles® Platinum American Express Card and the Delta SkyMiles® Gold Business Card; up to $200 with the Delta SkyMiles® Reserve American Express Card and the Delta SkyMiles® Platinum Business American Express Card; and up to $250 with the Delta SkyMiles® Reserve Business American Express Card.

Hilton Honors American Express Aspire Card

Yearly — up to a $199 Clear Plus credit: Cardmembers receive up to $199 in statement credits per year toward a Clear Plus membership (excluding taxes and fees; subject to auto-renewal).
Biannually — up to a $200 Hilton Resorts credit: Eligible purchases include room charges and incidentals when using your card at participating Hilton resorts. This benefit is separated into biannual statement credits. You’ll receive up to $200 between January and June and up to $200 between July and December.
Quarterly — up to a $50 flight credit: Pay for a flight directly with an airline or through AmexTravel.com and receive up to $50 in statement credits each quarter. Data points show you may be able to use this credit for seat upgrades, award taxes and fees, or to reload your United TravelBank balance.

The information for the Hilton Aspire card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

Hilton Honors American Express Surpass Card

Quarterly — up to a $50 Hilton credit: Receive up to $50 in statement credits each quarter on purchases made directly with a property within the Hilton portfolio, including bookings and incidental charges. Data points show you may be able to use the Hilton Honors American Express Surpass® Card’s credit for dining and gift shop purchases at a Hilton property or online Hilton gift card purchases, even if you aren’t staying at a property.

Apply here: Hilton Honors American Express Surpass Card

The Hilton Honors American Express Business Card

Quarterly — up to a $60 Hilton credit: Receive up to $60 in statement credits each quarter on purchases made directly with a property within the Hilton portfolio, including bookings and incidental charges such as dining and spa services. Data points show you may be able to use this credit for dining and gift shop purchases at a Hilton property or online Hilton gift card purchases, even if you aren’t staying at a property.

Apply here: The Hilton Honors American Express Business Card

Capital One

SULASTRI/SHUTTERSTOCK

Venture credit cards

Yearly — $300 travel credit: Cardholders of the Capital One Venture X Rewards Credit Card and the Capital One Venture X Business receive $300 in travel credits per cardmember year. The travel credit is only valid toward purchases made through the Capital One travel portal and is, therefore, more restrictive than the travel credit on the Chase Sapphire Reserve®.

Chase

Select Chase credit cards offer statement credits that tend to fly under the radar and can often be missed when focusing on select cards with monthly statement credits.

Chase Sapphire Preferred Card

Annually — a $50 hotel credit: Chase Sapphire Preferred® Card holders receive a $50 hotel credit each anniversary year for hotel bookings made through Chase Travel℠.

Apply here: Chase Sapphire Preferred Card

United cobranded cards

Annually — United credits: Receive up to $125 in statement credits for United purchases made with the United Quest℠ Card each account anniversary year and a $100 United travel credit after seven United flight purchases of $100 or more within each account anniversary year with the United℠ Business Card.

World of Hyatt Business Credit Card

Annually — a $100 Hyatt credit: Spend $50 or more at any Hyatt property and earn $50 statement credits up to two times each anniversary year.

Apply here: World of Hyatt Business Credit Card

IHG cobranded cards

Biannually — United TravelBank Cash: Cardholders of the IHG One Rewards Premier Credit Card and the IHG One Rewards Premier Business Credit Card receive up to $50 in annual United TravelBank Cash. A credit of $25 is added to the cardholder’s United MileagePlus account around Jan. 5 and is valid until July 15 of the same year, and another $25 is credited around July 5 and is valid through Jan. 15 of the following year. Your card must be linked to your United MileagePlus account for the credit to be automatically deposited.

Southwest Rapid Rewards Priority Credit Card

Annually — a $75 Southwest credit: Cardholders of the Southwest Rapid Rewards® Priority Credit Card receive a $75 Southwest travel credit per cardholder year. Eligible purchases include airfare. Purchasing a Southwest gift card has been known to trigger the statement credit as well.

Apply here: Southwest Rapid Rewards Priority Credit Card

Citi

Citi has a wide range of credit cards that offer statement credits that can be overlooked.

Forgettable statement credits checklist: Perks and benefits not to be overlooked