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How long does it take to receive statement credits from Amex, Capital One, Chase and Citi?
Danyal Ahmed
Credit card writer
Credit card writer Danyal Ahmed is an avid traveler, averaging about 100,000 aeronautical miles per year. He regularly applies that knowledge and his expertise in credit cards to his role as a credit card writer at TPG.
Chris Nelson
Credit cards writer
Chris Nelson is a credit cards writer for TPG. He specializes in budget travel, hotels, earning elite status through minimal spending and redeeming points for maximum value.
May 30, 2025
•
6 min read
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Editor's Note
This is a recurring post, regularly updated with new information and offers.
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.
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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
Featured image by MATTHEW MICAH WRIGHT/GETTY IMAGES
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.
TPG featured card
Best for dining at restaurants
Apply for American Express® Gold Card
Terms & restrictions apply. See rates & fees
TPG Editor‘s Rating
Go to reviewCard Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
Apply for American Express® Gold Card
at American Express's secure site
Rewards
1 - 4X points
| 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. |
| 3X | Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com. |
| 2X | Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on 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.
You may be eligible for as high as 100,000 Membership Rewards® Points after spending $6,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer.
Annual Fee
$325
Recommended Credit
Excellent to Good
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Why We Chose It
There’s a lot to love about the Amex Gold. It’s a fan favorite thanks to its fantastic bonus-earning rates at restaurants worldwide and at U.S. supermarkets. If you’re hitting the skies soon, you’ll also earn bonus Membership Rewards points on travel. Paired with up to $120 in Uber Cash annually (for U.S. Uber rides or Uber Eats orders, card must be added to Uber app and you can redeem with any Amex card), up to $120 in annual dining statement credits to be used with eligible partners, an up to $84 Dunkin’ credit each year at U.S. Dunkin Donuts and an up to $100 Resy credit annually, there’s no reason that foodies shouldn’t add the Amex Gold to their wallet. These benefits alone are worth more than $400, which offsets the $325 annual fee on the Amex Gold card. Enrollment is required for select benefits. (Partner offer)Pros
- 4 points per dollar spent on dining at restaurants worldwide and U.S. supermarkets (on the first $50,000 in purchases per calendar year; then 1 point per dollar spent thereafter and $25,000 in purchases per calendar year; then 1 point per dollar spent thereafter, respectively)
- 3 points per dollar spent on flights booked directly with the airline or with amextravel.com
- Packed with credits foodies will enjoy
- Solid welcome bonus
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 $6,000 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 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
- Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
- Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
- $120 Uber Cash on Gold: Add your Gold Card to your Uber account and get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an American Express Card for your transaction. That’s up to $120 Uber Cash annually. Plus, after using your Uber Cash, use your Card to earn 4X Membership Rewards® points for Uber Eats purchases made with restaurants or U.S. supermarkets. Point caps and terms apply.
- $84 Dunkin' Credit: With the $84 Dunkin' Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express® Gold Card at U.S. Dunkin' locations. Enrollment is required to receive this benefit.
- $100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express® Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That's up to $50 in statement credits semi-annually. Enrollment required.
- $120 Dining Credit: Satisfy your cravings, sweet or savory, with the $120 Dining Credit. Earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Enrollment required.
- Explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 credit towards eligible charges* with every booking of two nights or more through AmexTravel.com. *Eligible charges vary by property.
- No Foreign Transaction Fees.
- Annual Fee is $325.
- Terms Apply.
Apply for American Express® Gold Card
at American Express's secure site
Terms & restrictions apply. See rates & fees
Best for dining at restaurants
TPG Editor‘s Rating
Go to reviewCard Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
Rewards Rate
| 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. |
| 3X | Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com. |
| 2X | Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com. |
| 1X | Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases. |
Intro Offer
You may be eligible for as high as 100,000 Membership Rewards® Points after spending $6,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer.As High As 100,000 points. Find Out Your Offer.Annual Fee
$325Recommended Credit
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.Excellent to Good
Why We Chose It
There’s a lot to love about the Amex Gold. It’s a fan favorite thanks to its fantastic bonus-earning rates at restaurants worldwide and at U.S. supermarkets. If you’re hitting the skies soon, you’ll also earn bonus Membership Rewards points on travel. Paired with up to $120 in Uber Cash annually (for U.S. Uber rides or Uber Eats orders, card must be added to Uber app and you can redeem with any Amex card), up to $120 in annual dining statement credits to be used with eligible partners, an up to $84 Dunkin’ credit each year at U.S. Dunkin Donuts and an up to $100 Resy credit annually, there’s no reason that foodies shouldn’t add the Amex Gold to their wallet. These benefits alone are worth more than $400, which offsets the $325 annual fee on the Amex Gold card. Enrollment is required for select benefits. (Partner offer)Pros
- 4 points per dollar spent on dining at restaurants worldwide and U.S. supermarkets (on the first $50,000 in purchases per calendar year; then 1 point per dollar spent thereafter and $25,000 in purchases per calendar year; then 1 point per dollar spent thereafter, respectively)
- 3 points per dollar spent on flights booked directly with the airline or with amextravel.com
- Packed with credits foodies will enjoy
- Solid welcome bonus
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 $6,000 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 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
- Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
- Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
- $120 Uber Cash on Gold: Add your Gold Card to your Uber account and get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an American Express Card for your transaction. That’s up to $120 Uber Cash annually. Plus, after using your Uber Cash, use your Card to earn 4X Membership Rewards® points for Uber Eats purchases made with restaurants or U.S. supermarkets. Point caps and terms apply.
- $84 Dunkin' Credit: With the $84 Dunkin' Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express® Gold Card at U.S. Dunkin' locations. Enrollment is required to receive this benefit.
- $100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express® Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That's up to $50 in statement credits semi-annually. Enrollment required.
- $120 Dining Credit: Satisfy your cravings, sweet or savory, with the $120 Dining Credit. Earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Enrollment required.
- Explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 credit towards eligible charges* with every booking of two nights or more through AmexTravel.com. *Eligible charges vary by property.
- No Foreign Transaction Fees.
- Annual Fee is $325.
- Terms Apply.