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. That includes maximizing 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 make the most of your benefits.

There are some statement credits provided at different 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. These values are “up to” amounts, meaning it is the maximum amount you will receive in statement credits.

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

Amex Business Platinum

• Yearly — up to a $250 Adobe credit: Up to $150 in statement credits for eligible annual prepaid business plan purchases of Adobe Creative Cloud or Adobe Acrobat Pro for teams (until June 30). Starting July 1, receive up to a $250 Adobe statement credit after spending $600 or more on U.S. purchases made directly with Adobe from July 1 through Dec. 31 (and each calendar year after). Enrollment is required; subject to automatic renewal; terms apply.
• Yearly — up to a $200 airline fee credit: Up to $200 in statement credits per calendar year when you select one qualifying airline and incidental fees are charged by the airline to your 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: Up to $199 in statement credits per calendar year toward a Clear Plus membership (excluding taxes and fees; subject to automatic renewal).
• Biannually — up to a $1,150 Dell credit: 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 (until June 30). Starting July 1, receive up to $150 in statement credits on U.S. purchases made directly with Dell and an additional up to $1,000 in statement credits after spending $5,000 or more at Dell from July 1 through Dec. 31 (and for each calendar year after). Enrollment is required; terms apply.
• Quarterly — up to a $50 Hilton credit: Up to $50 in statement credits per quarter (up to $200 per calendar year) for purchases made directly with a Hilton portfolio property. You must have a Hilton for Business membership to use this benefit. Enrollment is required; terms apply. 

Amex Platinum

• Yearly — up to a $200 airline fee credit: Up to $200 in statement credits per calendar year when you select one qualifying airline and incidental fees are charged by the airline. The credit can be used all at once or through multiple transactions. Enrollment is required; terms apply.
• Yearly — up to a $199 Clear Plus credit: Up to $199 in statement credits per calendar year toward a Clear Plus membership (excluding taxes and fees; subject to automatic renewal).
• Yearly — up to a $300 Equinox credit: Up to $300 in statement credits per calendar year for Equinox+ or Equinox club memberships (subject to automatic renewal). Enrollment is required; terms apply.
• Yearly — up to a $200 hotel credit: Up to $200 per calendar year toward prepaid Fine Hotels + Resorts or Hotel Collection property bookings made through American Express Travel® and paid with The Platinum Card® from American Express. (The Hotel Collection bookings must be for at least two nights.)
• Biannually — up to a $50 Saks Fifth Avenue credit: Up to $50 in statement credits from January through June and up to $50 in statement credits from July through December. Valid for purchases at Saks Fifth Avenue or saks.com. No minimum purchase is required. Enrollment is required; terms apply.

Amex Gold

• Biannually — up to a $50 Resy statement credit: Up to two $50 biannual credits per calendar year, one from January to June and the other 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; terms apply.

Amex Green

• Yearly — up to a $199 Clear Plus credit: Up to $199 in statement credits per year toward a Clear Plus membership when paying with your American Express® Green Card (excluding taxes and fees; subject to automatic renewal).

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 Air Lines cobranded cards

• Yearly — Delta Stays credit: $100-$250 (depending on the card) in statement credits per calendar year for Delta Stays bookings on six out of the seven cobranded Delta cards (excluding the Delta SkyMiles® Blue American Express Card).

Hilton Aspire

• Yearly — up to a $199 Clear Plus credit: Up to $199 in statement credits per calendar year toward a Clear Plus membership (excluding taxes and fees; subject to automatic renewal).
• Biannually — up to a $200 Hilton Resorts credit: Up to $200 from January to June and up to $200 from July to December on eligible purchases (including room charges and incidentals) when using your Hilton Honors American Express Aspire Card at participating Hilton resorts.
• Quarterly — up to a $50 flight credit: Up to $50 in statement credits each quarter when you pay for a flight directly with an airline or through amextravel.com. Data points show you may be able to use this credit for seat upgrades, award taxes and fees, and United TravelBank balance reloads.

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 Business and Hilton Surpass

• Quarterly — up to a $60 Hilton credit: Up to $60 per quarter with the Hilton Honors American Express Business Card and up to $50 per quarter with the Hilton Honors American Express Surpass® Card. Eligible purchases include hotel bookings and incidental purchases charged to your room, such as dining and spa services; however, data points show dining and gift store purchases — even when you’re not staying at the hotel — may also trigger the credit.

Capital One

Very few Capital One credit cards have statement credits, so if you carry one of the eligible cards below, remember to maximize yours.

Venture X Rewards and Venture X Business

• Yearly — up to a $300 travel credit: Up to $300 in travel credits per anniversary year for cardholders of the Capital One Venture X Rewards Credit Card and the Capital One Venture X Business; only valid toward purchases made through the Capital One Travel portal.

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

• Yearly — up to a $50 hotel credit: Up to $50 in credit for hotel bookings made through Chase Travel℠ using your Chase Sapphire Preferred® Card (see rates and fees) each anniversary year.

IHG cobranded cards

• Biannually — up to $25 in United TravelBank Cash: Up to $25 in United TravelBank Cash for cardholders of the IHG One Rewards Premier Credit Card (see rates and fees) and the IHG One Rewards Premier Business Credit Card (see rates and fees): once in January (expires July 15) and once in July (expires Jan. 15). Your card must be linked to your United MileagePlus account for the credit to be automatically deposited.

Southwest Rapid Rewards Priority

• Yearly — up to a $75 Southwest credit: Up to a $75 Southwest Airlines credit per cardholder year with the Southwest Rapid Rewards® Priority Credit Card (see rates and fees). Eligible purchases include airfare, but purchasing a Southwest gift card has been known to trigger the statement credit as well.

Related: What we know about the shocking changes from Southwest — and what you should do now

United cobranded cards

United overhauled its lineup of credit cards in March by increasing annual fees and adding a range of statement credits that should not be forgotten:

• Yearly — up to a $200 hotel credit: Statement credit for Renowned Hotels and Resorts or United Hotels; varies according to card
• Yearly — up to a $200 JSX credit: Varies according to card
• Yearly — up to $200 in TravelBank Cash: Varies according to card
• Yearly — up to $100 in TravelBank Cash via car rental: Varies according to card
• Yearly — up to a $50 FareLock credit: After purchasing FareLock for United Airlines- or United Express-operated flights with one of United’s business cards; varies according to card

World of Hyatt Business

• Yearly — up to a $100 Hyatt credit: Up to two $50 statement credits when you spend $50 or more at any Hyatt property with the World of Hyatt Business Credit Card (see rates and fees).

Citi

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

Citi / AAdvantage Executive

The Citi® / AAdvantage® Executive World Elite Mastercard® (see rates and fees) has the following perk that is easy to forget about:

• Yearly — up to a $120 rental car credit: Up to $120 in statement credits on eligible prepaid Avis or Budget car rental purchases every calendar year. (If you applied before July 15, 2024, you can earn up to $120 on both prepaid and postpaid reservations through Dec. 31, 2025.)

Citi Strata Premier

The Citi Strata Premier℠ Card (see rates and fees) has an often overlooked credit:

• Yearly — a $100 hotel credit: $100 credit off a single hotel stay of $500 or more (excluding taxes and fees) when booked through cititravel.com or by calling 833-737-1288. The benefit is applied at the time of booking.

U.S. Bank

Only one U.S. Bank credit card provides statement credits.

U.S. Bank Altitude Go

•  Yearly — a $15 streaming credit: Cardholders receive a $15 streaming service credit after 11 months of eligible streaming purchases. Eligible merchants include Apple TV+, Netflix and Spotify.

The information for the U.S. Bank Altitude Go has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

Related: U.S. Bank Altitude Go Visa Signature credit card review: A no-annual-fee card for foodies

Bottom line

The best way to maximize the value of credit cards and justify the annual fees is to use all the perks and benefits offered to you.

While many cards have monthly perks and statement credits you can easily keep on top of, it’s easy to lose track of and forget those offered at different intervals.

Use this guide to track quarterly, biannual and yearly benefits — and make sure you’re getting every bit of value from your credit cards.

Related: How long does it take to receive statement credits from Amex, Capital One, Chase and Citi?