How long does it take to receive statement credits from Amex, Capital One, Chase and Citi?
Update: Some offers mentioned below are no longer available. View the current offers here.
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.
| 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 | New! 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. |
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.
- New! 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.
- Updated! $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.
- New! As an American Express® Gold Card Member, you can enjoy complimentary Hertz Five Star® Status. Enjoy 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.
- Take advantage of a $100 credit towards eligible charges* at over 1,300 upscale hotels worldwide when you book The Hotel Collection through AmexTravel.com or the Amex Travel App **. *Eligible charges vary by property. **The Hotel Collection requires a two-night minimum stay.
- 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.