Name: American Express® Gold Card
Brand: American Express

Quick summary

Many credit cards offer statement credits at varying intervals, such as quarterly, biannually or annually, which can be easily overlooked.
A checklist approach helps cardholders keep track of these credits and maximize their value before they expire, as most are 'use it or lose it.'
Statement credits can apply to a range of purchases, including travel bookings, hotel stays, dining, subscriptions and more, but terms and eligible merchants vary.
Some credits require enrollment or meeting certain spending thresholds, and benefits often cannot be rolled over to future periods.

What to consider

Statement credits typically have maximum values and must be used within the specified period or they will expire.
Eligibility, enrollment requirements and qualifying purchases differ by card and credit type, so reviewing terms is essential.
Some credits are tied to specific merchants, travel portals or membership programs, and may exclude taxes and fees.

What you'll miss from the article

A comprehensive breakdown of which credits are available by interval and tips for tracking and redeeming them efficiently.

Generated by AI with support from our editorial team.

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 take advantage of each month. Whether you have one or several credit cards, a checklist 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.

Here are some important reminders about 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. Most of 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 Centurion Lounge LaGuardia entrance — ZACH GRIFF/THE POINTS GUY

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.
Biannually — up to a $300 hotel credit: Up to $600 in statement credits per calendar year (up to $300 biannually) toward prepaid Fine Hotels + Resorts or The 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 $300 ChatGPT Business subscription credit: Up to $300 in statement credits per calendar year on U.S. purchases of ChatGPT Business subscriptions (subject to auto-renewal; enrollment required)
Yearly — a $250 Adobe credit: 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 $219 Clear+ credit: Up to $219 in statement credits per calendar year toward a Clear+ 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 eligible 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.

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

Amex Platinum

Biannually — up to a $300 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 $219 Clear+ credit: Up to $219 in statement credits per calendar year toward a Clear+ 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. This statement credit can be used all at once or through multiple transactions.
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 ).

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 Resy reservation is not required to earn the statement credit. Enrollment required.

Amex Classic Green

Yearly — up to a $219 Clear+ credit: Up to $219 in statement credits per year toward a Clear+ membership when paying with your American Express® Classic Green Card (excluding taxes and fees; subject to automatic renewal; enrollment required). The Amex Classic Green is no longer accepting applications.

The information for the Amex Classic 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 to $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).

large room with wooden doors, couches and chairs, hanging rope art — HILTON

Hilton Aspire

Yearly — up to a $219 Clear+ credit: Up to $219 in statement credits per calendar year toward a Clear+ 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, through amextravel.com or the Amex Travel App™. 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.

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.

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 — $100 hotel credit: $100 in credit for hotel bookings made through Chase Travel℠ using your Chase Sapphire Preferred® Card (see ) each anniversary year.

Kimpton Miralina Resorts and Villas Model Room — IHG

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 ).
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 at Sapphire Reserve Exclusive Tables 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 ) (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 ). 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.

United Polaris Boeing 767-300 — ZACH GRIFF/THE POINTS GUY

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 ).

Citi

Citi offers a range of credit cards that provide statement credits that can be easily overlooked.

Citi / AAdvantage Executive World Legend

The Citi® / AAdvantage® Executive World Legend Mastercard® (see ) 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.

Seattle Rides Economic Boom — GEORGE ROSE/GETTY IMAGES

Citi / AAdvantage Globe

The Citi® / AAdvantage® Globe™ Mastercard® (see ) 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 ) provides a trio of statement credits that may be easy to forget about.

Yearly — up to a $300 hotel credit: Up to $300 credit per calendar year off a prepaid, minimum two-night hotel stay booked through Citi Travel.
Yearly — up to 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 — up to 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 ) 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.

Bottom line

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

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.

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

TPG featured card

American Express® Gold Card

TPG editor's rating

at American Express's secure site.
Terms & restrictions apply. See rates & fees.

Rewards rate

Rewards rate
Rate	Category
4X	Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
4X	Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
5X	Earn 5X Membership Rewards® points on prepaid hotel stays booked through AmexTravel.com or the Amex Travel App™.
3X	Earn 3X Membership Rewards® points on flights booked through AmexTravel.com, the Amex Travel App™, or purchased directly from airlines.
2X	Earn 2X Membership Rewards® points on prepaid car rentals booked through AmexTravel.com or the Amex Travel App™ and cruises booked and paid through AmexTravel.com.
1X	Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.

Intro offer

As High As 100,000 points. Find Out Your Offer.

Annual fee

$325

Regular APR

See Pay Over Time APR

Recommended credit

Excellent to Good

Pros + cons

Pros

Valuable dining and food-related credits
Flexible rewards with airline and hotel transfer partners
Multiple travel and purchase protections
No foreign transaction fees
Access to Amex Offers for additional savings (enrollment required)

Cons

Not as useful for those living outside the U.S.
Some may have trouble using Uber and other dining credits

More details

You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $8,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
Earn 5X Membership Rewards® points on prepaid hotel stays booked through AmexTravel.com or the Amex Travel App™.
Earn 3X Membership Rewards® points on flights booked through AmexTravel.com, the Amex Travel App™, or purchased directly from airlines.
Earn 2X Membership Rewards® points on prepaid car rentals booked through AmexTravel.com or the Amex Travel App™ and cruises booked and paid through AmexTravel.com.
Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
Pay It® lets you tap in the American Express® App to quickly pay for small purchase amounts throughout the month and still earn rewards the way you usually do. Plan It® gives you the option to split up big purchases into equal monthly payments with a fixed fee. You’ll know upfront exactly how much you’ll pay.
$120 Dining Credit: Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub (including Seamless), Buffalo Wild Wings, Five Guys, The Cheesecake Factory, and Wonder. This can be an annual savings of up to $120. Enrollment required.
$100 Resy Credit: Get up to $100 in statement credits each calendar year at over 10,000 qualifying U.S. Resy restaurants after you pay for eligible purchases with the American Express® Gold Card. That’s up to $50 in statement credits semi-annually. Enrollment required.
$84 Dunkin' Credit: Earn up to $7 in monthly statement credits after you pay with the American Express® Gold Card at U.S. Dunkin’ locations. Enrollment required.
$120 Uber Cash on Gold: Enjoy up to $120 in Uber Cash annually with your Gold Card. Just add your Card to your Uber account and you'll get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an Amex Card for your transaction.
Enjoy complimentary Hertz Five Star® Status benefits like skipping the counter at select locations, adding an additional driver at no additional cost*, and vehicle upgrades**. Benefit enrollment and Hertz Gold+ registration are required. *Additional drivers must meet standard rental qualifications and must be a spouse or domestic partner to qualify as complimentary. Other additional drivers subject to fees. **Benefits are subject to availability and vary by location. Additional Hertz program Terms and Conditions including age restrictions apply.
Book two nights or more with The Hotel Collection through AmexTravel.com or the Amex Travel App™ and receive a $100* credit towards eligible charges at over 1,400 upscale hotels worldwide. *Eligible charges vary by property.
Book your travel through the Amex Travel App™ with added peace of mind – backed by American Express® service and support. Only for American Express® Card Members.
Whenever you need us, we're here. Our Member Services team will ensure you are taken care of. From lost Card replacement to statement questions, we are available to help 24/7.
No Foreign Transaction Fees.
Annual Fee is $325.
Terms Apply.

Pros

Valuable dining and food-related credits
Flexible rewards with airline and hotel transfer partners
Multiple travel and purchase protections
No foreign transaction fees
Access to Amex Offers for additional savings (enrollment required)

Cons

Not as useful for those living outside the U.S.
Some may have trouble using Uber and other dining credits

You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $8,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
Earn 5X Membership Rewards® points on prepaid hotel stays booked through AmexTravel.com or the Amex Travel App™.
Earn 3X Membership Rewards® points on flights booked through AmexTravel.com, the Amex Travel App™, or purchased directly from airlines.
Earn 2X Membership Rewards® points on prepaid car rentals booked through AmexTravel.com or the Amex Travel App™ and cruises booked and paid through AmexTravel.com.
Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
Pay It® lets you tap in the American Express® App to quickly pay for small purchase amounts throughout the month and still earn rewards the way you usually do. Plan It® gives you the option to split up big purchases into equal monthly payments with a fixed fee. You’ll know upfront exactly how much you’ll pay.
$120 Dining Credit: Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub (including Seamless), Buffalo Wild Wings, Five Guys, The Cheesecake Factory, and Wonder. This can be an annual savings of up to $120. Enrollment required.
$100 Resy Credit: Get up to $100 in statement credits each calendar year at over 10,000 qualifying U.S. Resy restaurants after you pay for eligible purchases with the American Express® Gold Card. That’s up to $50 in statement credits semi-annually. Enrollment required.
$84 Dunkin' Credit: Earn up to $7 in monthly statement credits after you pay with the American Express® Gold Card at U.S. Dunkin’ locations. Enrollment required.
$120 Uber Cash on Gold: Enjoy up to $120 in Uber Cash annually with your Gold Card. Just add your Card to your Uber account and you'll get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an Amex Card for your transaction.
Enjoy complimentary Hertz Five Star® Status benefits like skipping the counter at select locations, adding an additional driver at no additional cost*, and vehicle upgrades**. Benefit enrollment and Hertz Gold+ registration are required. *Additional drivers must meet standard rental qualifications and must be a spouse or domestic partner to qualify as complimentary. Other additional drivers subject to fees. **Benefits are subject to availability and vary by location. Additional Hertz program Terms and Conditions including age restrictions apply.
Book two nights or more with The Hotel Collection through AmexTravel.com or the Amex Travel App™ and receive a $100* credit towards eligible charges at over 1,400 upscale hotels worldwide. *Eligible charges vary by property.
Book your travel through the Amex Travel App™ with added peace of mind – backed by American Express® service and support. Only for American Express® Card Members.
Whenever you need us, we're here. Our Member Services team will ensure you are taken care of. From lost Card replacement to statement questions, we are available to help 24/7.
No Foreign Transaction Fees.
Annual Fee is $325.
Terms Apply.

At TPG, we’re all about maximizing our credit cards. That includes maximizing all benefits provided by issuers, which include statement credits.

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.

Here are some important reminders about statement credits that should not be overlooked. We suggest bookmarking this page and revisiting it every quarter.