Augusta Stone is a credit cards writer for TPG. She joined the TPG team in 2023 and is excited to take points and miles beginners with her on a journey toward maximizing rewards.
July 14, 2026 • 9 min read
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Quick summary
Many premium rewards cards offer biannual statement credits that reset at the start of each calendar year, requiring timely use to maximize value.
Credits commonly apply to hotel bookings, dining, event tickets or travel services, with some requiring a minimum stay or specific booking channels.
Several benefits are divided into two parts: one available from January to June, the other from July to December, and unused credits typically expire at year-end.
Tracking the timing and eligibility of each credit is crucial, as terms may change in future years, such as new minimum-stay requirements.
What to consider
Some credits require bookings through designated travel portals or apps, and may have minimum stay or purchase requirements.
Enrollment or activation may be necessary to access certain credits, and benefits often cannot be combined within a single period.
Terms for some credits will change after 2026, including new minimum-stay rules for select hotel benefits.
What you'll miss from the article
A detailed card-by-card breakdown of which statement credits expire when, and specific strategies for redeeming each before year-end.
Generated by AI with support from our editorial team.
Many benefits reset on a biannual basis, which means you either use them or lose them in each half of the calendar year. With 2026 already past the halfway mark, these credits have reset. So, now we recommend you take stock of which statement credits you have left to redeem before the year ends.
Benefits can also reset monthly, quarterly or annually (either each calendar year or cardholder anniversary), so keep track of when your statement credits begin and end.
Here's a card-by-card breakdown of the benefits you'll want to use before Jan. 1, 2027.
has one notable statement credit that fits into this category in exchange for its $895 annual fee (see rates and fees).
Up to $300 statement credit biannually (up to $600 per calendar year) on prepaid American Express Fine Hotels + Resorts, The Hotel Collection or Airbnb Luxe bookings: This statement credit applies when you book FHR, THC or Airbnb Luxe properties through amextravel.com or the Amex Travel App™ and pay with your Amex Business Platinum. THC and Airbnb require a two-night minimum stay. Beginning Jan. 1, 2027, FHR will require a two-night minimum stay to use the lodging credit. This benefit is divided into two up to $300 biannual statement credits, one for use from January to June and another for use from July to December.
Here's what members need to keep in mind to help offset its $895 annual fee (see rates and fees).
Up to $300 statement credit biannually (up to $600 per calendar year) on prepaid American Express Fine Hotels + Resorts, The Hotel Collection or Airbnb Luxe bookings: This statement credit applies when you book FHR, THC or Airbnb Luxe through American Express Travel® or the Amex Travel App when you pay with your Amex Platinum. THC and Airbnb require a two-night minimum stay. Beginning Jan. 1, 2027, FHR will require a two-night minimum stay to use the lodging credit. This benefit is divided into two up to $300 semiannual statement credits, one for use from January to June and another for use from July to December.
I used my second-half statement credit to take $300 off a two-night stay at The Hiatus Clearwater Beach, Curio Collection by Hilton. This hotel is part of THC, so the total cost ended up being around $277. Plus, I'll get to enjoy multiple benefits, such as a room upgrade at check-in (if available) and a complimentary $100 on-property credit.
If you have the , there's one expiring statement credit to be aware of.
Up to $50 statement credit semiannually (up to $100 per calendar year) for Resy: Pay with your Amex Gold at an eligible U.S. Resy restaurant. No reservation is required. This benefit is divided into two up to $50 semiannual statement credits, one for use from January to June and another for use from July to December. (Enrollment is required.)
A premium card for Hilton loyalists, the has one semiannual expiring benefit you should note.
Up to $200 Hilton Resorts statement credit semiannually (up to $400 per calendar year): Use your Hilton Aspire at participating Hilton Resorts to pay for eligible purchases, such as room charges and incidentals. This benefit is divided into two semiannual statement credits, up to $200 each, one for use from January to June and another for use from July to December.
Two Bilt cards offer a biannual statement credit that must be used by the end of the year.
Bilt Palladium Card
The (see rates and fees) has one benefit expiring at the end of December.
Up to $200 Bilt Travel hotel statement credit biannually (up to $400 per calendar year): Receive up to $200 in statement credits for hotel bookings made through the Bilt Travel portal. You must book a minimum stay of two nights. You'll receive $200 to use from January to June, and another $200 to use from July to December.
I used this credit to extend my previously mentioned stay at The Hiatus Clearwater Beach, Curio Collection by Hilton by two nights. I stacked the $200 statement credit with $100 in Bilt Cash (each Bilt Cash award expires 12 months after you earn it, on the last day of that month) to pay $306 on this portion of the stay.
The (see rates and fees) also has a biannual benefit to redeem by the end of the year.
Up to $50 Bilt Travel hotel statement credit biannually (up to $100 per calendar year): Receive up to $50 in statement credits for hotel bookings made through the Bilt Travel portal. You must book a minimum stay of two nights. You'll receive $50 to use from January to June, and another $50 to use from July to December.
There are two Ultimate Rewards-earning cards with statement credits that will expire at the end of the year.
Chase Sapphire Reserve
There are two (see rates and fees) statement credits that will reset on Jan. 1, 2027.
Up to $150 StubHub and Viagogo statement credit biannually (up to $300 per calendar year): Up to $150 in biannual credits to use on event tickets at StubHub and Viagogo for purchases through Dec. 31, 2027 (one-time activation required).
Up to $150 statement credit for dining at Sapphire Reserve Exclusive Tables via OpenTable biannually (up to $300 per calendar year): Up to $150 in biannual credits for prime-time reservations at Sapphire Reserve Exclusive Tables. No prepayment or payment through OpenTable is required.
I used the StubHub credit in the first half of the year for tickets to see Sombr in concert. I plan on using the next half for a college football game this fall.
A quick reminder: The $500 statement credit for purchases made through The Edit is not biannually restricted. Cardholders receive two statement credits of up to $250 for prepaid stays of two nights or more. These credits can be used at any time of the year, but they cannot be combined.
Up to $200 ZipRecruiter statement credit biannually (up to $400 per calendar year): Up to $200 in ZipRecruiter statement credits. You'll receive the benefit from January through June and again from July through December for purchases made through ZipRecruiter (through Dec. 31, 2027).
Up to $50 Giftcards.com statement credit biannually (up to $100 per calendar year): Up to $50 in biannual credits (up to $100 per calendar year). (Make your purchase via giftcards.com/reservebusiness; through Oct. 31, 2028.)
There's one premium Citi card with a credit that you'll need to use before 2026 ends.
BLACKLANE
Citi Strata Elite Card
The (see rates and fees) is a premium option with one benefit you'll need to track.
Up to $100 Blacklane statement credit biannually (up to $200 per calendar year): Up to $100 in biannual credits for Blacklane chauffeur bookings, one to use from January to June and another to use from July to December.
Maximizing your statement credits is one of the best ways to offset a high annual fee. If you have not yet redeemed the statement credits on this list, remember they expire at the end of the year. So, don't wait.
Bookmark this article to revisit as deadlines approach, and periodically take stock of the cards in your wallet to make sure they're still working for your lifestyle.
By commenting, you agree to our Community Guidelines to help create a positive space for conversation. The responses below are not provided or commissioned by the bank advertiser, our partners, or The Points Guy (“TPG”). They have not been reviewed, approved, or otherwise endorsed by any of these parties. All responses are submitted by individual contributors, and neither the bank advertiser, our partners, nor TPG are responsible for ensuring that all posts and/or questions are answered.
