How long does it take to receive statement credits from Amex, Capital One, Chase and Citi?
Editor's Note
Many credit cards offer monthly, quarterly or annual statement credits after you spend with select merchants — but it's not always clear how long it takes for those credits to post.
While banks often say it can take up to two or three months, most credits arrive much sooner.
We polled TPG staff members and readers to find out just how long it really takes. Here's what we found for cards from American Express, Capital One, Chase and Citi.
How long does it take to receive Amex statement credits?
American Express statement credits tend to post within two to three days on average, though it varies depending on the specific card and statement credit. Enrollment is required in advance for select benefits; terms apply.
Amex Business Gold
- Monthly flexible credits (FedEx, Grubhub and office supply stores): Three days
- Walmart+ credit: Three days
To learn more, read our full review of the American Express® Business Gold Card.
Amex Business Platinum
- Adobe credit: Four days
- Airline incidental fee credit: Three days
- Clear Plus membership fee credit: Five days
- Dell credit: Three days
- Hilton credit: Five days
- Mobile/wireless credit: Five days
To learn more, read our full review of The Business Platinum Card® from American Express.
Amex Gold
- Monthly dining credit: Three days
- Monthly Dunkin' credit at U.S. locations: Three days
- Resy dining credit at U.S. locations: Three days
To learn more, read our full review of the American Express® Gold Card.
Amex Green
- Clear Plus membership fee credit: Two days
To learn more, read our full review of the American Express® Green Card.
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.
Amex Platinum
- Airline incidental fee credit: Three days
- Amex Fine Hotels + Resorts/The Hotel Collection credit: Three days
- Clear Plus membership fee credit: Five days
- Digital entertainment credit: Two days
- Equinox credit: Seven days
- Saks Fifth Avenue credit: Four days
- Walmart+ credit: Three days
To learn more, read our full review of The Platinum Card® from American Express.
Delta SkyMiles cards
- Delta Stays credit: Four days
- Resy dining credit at U.S. locations: Three days
- Ride-hailing service credit for U.S locations: Two days
To learn more, check out our full list of Delta SkyMiles cards.
Hilton Aspire
- Clear Plus membership fee credit: Nine days
- Hilton resort credit: Four days
- Quarterly flight credit: Five days
To learn more, read our full review of the Hilton Honors American Express Aspire Card.
Hilton Surpass and Business
- Quarterly Hilton credit: Two days
To learn more, read our full review of the Hilton Honors American Express Surpass® Card and our full review of the Hilton Honors American Express Business Card.
Marriott Bonvoy Brilliant
- Monthly dining credit: Three days
To learn more, read our full review of the Marriott Bonvoy Brilliant® American Express® Card.
How long does it take to receive Capital One statement credits?
Venture X and Venture X Business
Both the Capital One Venture X Rewards Credit Card and Capital One Venture X Business come with an annual $300 travel credit for bookings made with Capital One Travel.
- Capital One Travel statement credit: Four days
To learn more, read our full reviews of the Venture X and the Venture X Business.
How long does it take to receive Chase statement credits?
A few Chase-issued credit cards offer statement credits, so if you're a cardholder, be sure to use the following.
Chase Sapphire Preferred
- $50 annual hotel credit: Three days
To learn more, read our full review of the Chase Sapphire Preferred® Card .
Chase Sapphire Reserve
The Chase Sapphire Reserve® (see rates and fees) has a broad travel category in terms of what you earn bonus points on and what counts for the card's annual travel credit.
- $300 annual travel credit: One day
To learn more, read our full review of the Chase Sapphire Reserve.
United credit cards
- Renowned Hotels and Resorts credit: Two days
- Ride-hailing service credit: Two days
- United Hotels credit: Three days
To learn more, read our guide to United credit cards.
World of Hyatt Business Credit Card
- Hyatt credit: Three days
To learn more, read our full review of the World of Hyatt Business Credit Card.
How long does it take to receive Citi statement credits?
Citi / AAdvantage Executive
The Citi® / AAdvantage® Executive World Elite Mastercard® (see rates and fees) is American Airlines' premium travel card.
- Avis-Budget rental car credit: 7-17 days (though we've had trouble with this credit posting at all)
- Monthly Grubhub credit: 3-24 days
- Monthly Peacock credit: 31-61 days
To learn more, read our full review of the Citi / AAdvantage Executive.
Bottom line
Maximizing your card's perks is essential. These benefits unlock the card's value and can offset the annual fee you pay to keep the card year after year. However, banks typically don't make it clear how long it takes to receive your statement credits.
If you've been waiting longer than the average on this page, contact your credit card issuer to inquire about missing statement credits. The quickest and most effective way is to use your bank's online chat or secure messaging function.
Related: The best credit cards, according to TPG spokesperson Clint Henderson
TPG featured card
at American Express's secure site
Terms & restrictions apply. See rates & fees.
| 3X | Earn 3X Miles on Delta purchases. |
| 1X | Earn 1X Miles on all other eligible purchases. |
Pros
- Delta SkyClub access when flying Delta
- Annual companion ticket for travel on Delta (upon renewal)
- Ability to earn MQDs through spending
- Various statement credits for eligible purchases
Cons
- Steep annual fee of $650
- Other Delta cobranded cards offer superior earning categories
- Earn 100,000 Bonus Miles after you spend $6,000 or more in purchases with your new Card within the first 6 months of Card Membership and an additional 25,000 bonus miles after you make an additional $3,000 in purchases on the Card within your first 6 months, starting from the date that your account is opened. Offer Ends 04/01/2026.
- Delta SkyMiles® Reserve American Express Card Members receive 15 Visits per Medallion® Year to the Delta Sky Club® when flying Delta and can unlock an unlimited number of Visits after spending $75,000 in purchases on your Card in a calendar year. Plus, you’ll receive four One-Time Guest Passes each Medallion Year so you can share the experience with family and friends when traveling Delta together.
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- $240 Resy Credit: When you use your Delta SkyMiles® Reserve American Express Card for eligible purchases with U.S. Resy restaurants, you can earn up to $20 each month in statement credits. Enrollment required.
- $120 Rideshare Credit: Earn up to $10 back in statement credits each month after you use your Delta SkyMiles® Reserve American Express Card to pay for U.S. rideshare purchases with select providers. Enrollment required.
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- $650 Annual Fee.
- Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
- Terms Apply.
- See Rates & Fees