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

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 maximize 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. We suggest bookmarking this page and revisiting it every quarter.

American Express

Numerous card perks are available through Amex cards. 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 the stated value is the maximum amount you will receive in statement credits.

Additionally, these benefits cannot be rolled over and used later. They are “use it or lose it” statement credits.

Amex Business Platinum

• Yearly — up to a $1,150 Dell credit: Up to $150 in statement credits on U.S. purchases made directly at Dell and an additional $1,000 statement credit after spending $5,000 or more with Dell each calendar year.
• Yearly — up to a $600 hotel credit: Up to $600 in statement credits per calendar year (up to $300 biannually) toward prepaid Fine Hotels + Resorts or Hotel Collection property bookings made through Amex Travel and paid with The Business Platinum Card® from American Express. (The Hotel Collection bookings must be for at least two nights.)
• Yearly — up to a $250 Adobe credit: 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.
• Yearly — up to a $209 Clear Plus credit: Up to $209 in statement credits per calendar year toward a Clear Plus membership (excluding taxes and fees; subject to automatic renewal).
• 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 Amex Business Platinum. The credit can be used all at once or through multiple transactions.
• Quarterly — up to a $90 Indeed credit: Up to $90 per quarter in statement credits (up to $360 per calendar year).
• 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 required for select benefits.

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The Amex Business Platinum carries a $895 annual fee (see rates and fees).

Amex Platinum

• Yearly — up to a $600 hotel credit: Up to $600 in statement credits per calendar year (up to $300 biannually) toward prepaid Fine Hotels + Resorts or Hotel Collection property bookings made through American Express Travel® and paid with the American Express Platinum Card®. (The Hotel Collection bookings must be for at least two nights.)
• 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).
• Yearly — up to a $209 Clear Plus credit: Up to $209 in statement credits per calendar year toward a Clear Plus membership (excluding taxes and fees; subject to automatic renewal).
• 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.
• 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 (up to $100 in statement credits per calendar year). Valid for purchases at Saks Fifth Avenue or saks.com. No minimum purchase is required.
• Quarterly — up to a $100 Resy statement credit: Up to four up to $100 quarterly statement credits (up to $400 in statement credits per calendar year) when you pay with your Amex Platinum at an eligible U.S. Resy restaurant; no reservation is required.

Enrollment required for select benefits.

The Amex Platinum carries a $895 annual fee (see rates and fees).

Amex Gold

• Biannually — up to a $50 Resy statement credit: Up to two $50 biannual statement credits per calendar year, one from January to June and the other from July to December (up to $100 in statement credits per calendar year). 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 required.

Amex Green

• Yearly — up to a $209 Clear Plus credit: Up to $209 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; enrollment required).

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 $209 Clear Plus credit: Up to $209 in statement credits per calendar year toward a Clear Plus membership (excluding taxes and fees; subject to automatic renewal; enrollment required).
• Biannually — up to a $200 Hilton resorts credit: Up to $200 statement credit from January to June and up to $200 statement credit from July to December (up to $400 per calendar year) 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 (up to $200 per calendar year) 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.

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 (up to $240 and $200 per calendar year, respectively). 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.

Related: The top 11 credit cards with annual travel statement credits

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 — $300 travel credit: $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. This credit is only valid toward purchases made through the Capital One Travel portal and Capital One Business Travel, respectively.

Related: Is the Capital One Venture X worth the $395 annual fee?

Chase

Select Chase credit cards offer statement credits that often go unnoticed and can be easily missed when focusing on cards with monthly statement credits.

Chase Sapphire Preferred

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

Chase Sapphire Reserve

• Biannually — up to a $250 The Edit credit: Up to $250 in biannual credits (up to $500 per calendar year) for eligible bookings made with The Edit luxury hotel program through Chase Travel with your Chase Sapphire Reserve® (see rates and fees).
• Biannually — up to a $150 StubHub and Viagogo credit: Up to $150 in biannual credits (up to $300 per calendar year) to use on event tickets at StubHub and Viagogo for purchases through Dec. 31, 2027.
• Biannually — up to $150 credit for dining via OpenTable: Up to $150 in biannual credits (up to $300 per calendar year) for prime-time reservations at Sapphire Reserve Exclusive Tables; no prepayment or payment through OpenTable is required.

Chase Sapphire Reserve for Business

• Annually — up to a $200 Google Workspace credit: Up to $200 in annual credits for Google Workspace purchases on your Chase Sapphire Reserve for Business℠ (see rates and fees) (through Dec. 31, 2027).
• Biannually — up to a $250 The Edit credit: Up to $250 in biannual credits (up to $500 per calendar year) for eligible bookings made with The Edit luxury hotel program through Chase Travel.
• Biannually — up to a $200 ZipRecruiter credit: Up to $200 in ZipRecruiter credit biannually (up to $400 per calendar year). You'll receive the benefit from January through June and again from July through December for purchases made through ZipRecruiter (through Dec. 31, 2027).
• Biannually — up to a $50 Giftcards.com credit: Up to $50 in biannual credits (up to $100 per calendar year). (Purchase through giftcards.com/reservebusiness; through Oct. 31, 2028.)

IHG cobranded cards

• Biannually — up to $25 in United TravelBank Cash: Up to $25 in United TravelBank Cash biannually (up to $50 per calendar year) 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). You'll receive the credit once in January (expires July 15 of the same calendar year) and once in July (expires Jan. 15 of the following calendar year). Your card must be linked to your United MileagePlus account for the credit to be automatically deposited.

United cobranded cards

United's suite of credit cards features 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 (up to $100 per calendar year) when you spend $50 or more at any Hyatt property with the World of Hyatt Business Credit Card (see rates and fees).

Related: 14 credit cards that can get you $1,000 or more in first-year value

Citi

Citi offers a range of credit cards that provide statement credits that can be easily 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 / AAdvantage Globe

The Citi® / AAdvantage® Globe™ Mastercard® (see rates and fees) provides one statement credit that could be overlooked.

• Yearly — a $100 Splurge credit: Up to $100 per calendar year in your choice of up to two merchants: 1stDibs, AAdvantage Hotels, Future Personal Training or Live Nation (exclusions apply).

Citi Strata Elite

The Citi Strata Elite℠ Card (see rates and fees) provides a trio of statement credits that may be easy to forget about.

• Yearly — a $300 hotel credit: Up to $300 credit per calendar year off a prepaid, minimum two-night hotel stay booked through Citi Travel.
• Yearly — a $200 Splurge credit: Up to $200 credit per calendar year in your choice of up to two brands: 1stDibs, American Airlines, Best Buy, Future Personal Training and Live Nation (exclusions apply).
• Biannually — a $100 Blacklane credit: Up to $100 in biannual credits (up to $200 per calendar year) for Blacklane chauffeur bookings.

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, the U.S. Bank Altitude® Go Visa Signature® 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?

For rates and fees of the Amex Business Platinum, click here.

For rates and fees of the Amex Platinum, click here.