The Points Guy believes that credit cards can transform lives, helping you leverage everyday spending for cash back or travel experiences that might otherwise be out of reach. That's why we publish a variety of editorial content and card comparisons: to help you find a great card to turn your goals into reality.
Our site may earn compensation when a customer clicks on a link, when an application is approved, or when an account is opened with our partners, and this may impact how or where these products appear. While we don't cover all available credit cards, our editorial team creates and maintains all of the analysis of these cards, and our content is not influenced nor subject to review by any credit card company, bank or partner prior to (or after) publication. Please view our advertising policy and product review methodology for more information.
Advertiser disclosure
The Points Guy believes that credit cards can transform lives, helping you leverage everyday spending for cash back or travel experiences that might otherwise be out of reach. That's why we publish a variety of editorial content and card comparisons: to help you find a great card to turn your goals into reality.
Our site may earn compensation when a customer clicks on a link, when an application is approved, or when an account is opened with our partners, and this may impact how or where these products appear. While we don't cover all available credit cards, our editorial team creates and maintains all of the analysis of these cards, and our content is not influenced nor subject to review by any credit card company, bank or partner prior to (or after) publication. Please view our advertising policy and product review methodology for more information.
Guides
Don't forget your statement credits: Midyear card benefits to redeem in 2026
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
The cards we feature here are from partners who compensate us when you are approved through our site, and this may impact how or where these products appear. We don't cover all available credit cards, but our analysis, reviews, and opinions are entirely from our editorial team. Terms apply to the offers listed on this page. Please view our advertising policy and product review methodology for more information.
Editorial note: This is a recurring post, regularly updated with new information and offers. TPG's Brian Kelly is a Bilt adviser and investor.
Editorial disclaimer: Opinions expressed here are the author's alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.
Comments
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.
Related stories
Quick summary
Many premium rewards cards offer statement credits that reset biannually, annually or on other schedules, requiring timely use to maximize value.
With the year now past its halfway point, several statement credits have reset, making it important to review and redeem remaining benefits before they expire at year-end.
Credits often apply to travel bookings, dining, event tickets, or specific merchants, with some requiring minimum stays or other conditions.
A detailed breakdown highlights which credits must be used before January 1, 2027, and notes upcoming changes to eligibility for certain hotel booking credits.
What to consider
Some credits require a minimum stay, specific booking channels or merchant categories to qualify.
Many benefits are divided into two periods: January to June and July to December, and unused credits do not roll over.
Eligibility and redemption rules may change in 2027, such as new minimum stay requirements for select hotel credits.
What you'll miss from the article
A comprehensive card-by-card guide to expiring statement credits and practical tips for tracking and redeeming them efficiently.
Generated by AI with support from our editorial team.
Comments
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.
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.
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.
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.
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.)
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 Bilt Palladium Card (see ) 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 (up to $100 of Bilt Cash earned rolls over each year) to pay $306 on this portion of the stay.
The Bilt Obsidian Card (see ) 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 Chase Sapphire Reserve® (see ) 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 Citi Strata Elite℠ Card (see ) 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.
