Here’s how to use (and track) your December Amex statement credits

Dec. 01, 2021

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10 min read

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Update: Some offers mentioned below are no longer available. View the current offers here.

Mo' credits, mo' problems reasons to keep your American Express cards at the top of your wallet.

It's the start of a new month, which means that all of your monthly Amex credits have just reset.

Amex first introduced these various credits as a way to continue providing cardholders with value during the pandemic — and it worked. Depending on how many Amex cards you have, you could get over $100 in value from these credits every month.

For example, you could get up to $20 toward dining with the Delta SkyMiles® Reserve American Express Card at U.S. restaurants or up to $15 toward a cellphone bill each month (in the U.S.) with the Marriott Bonvoy Business® American Express® Card. Those are just two of many available monthly credits on a variety of Amex cards.

These credits are generally straightforward to use — albeit with some reported posting delays for some offers. What isn't as easy is tracking all the available credits and remembering to actually use them.

To make things a bit simpler, we've created a spreadsheet that lets you see which credits are available to you and keep track of which ones you used. Just remember that you'll want to make these purchases before the last days of the month roll around to make sure they post to your account in time to trigger the credit.

Monthly Amex statement credit tracker

You can download TPG's monthly Amex statement credit tracker here (link to download Excel file via Dropbox).

The spreadsheet is relatively easy to use and will help ensure you get the most out of your credits. Simply select which cards you have on the first tab and update the calendar tab whenever you use a credit. The spreadsheet will automatically populate the total credits you have available, the credits used and the percentage of available credits used.

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Once that percentage reaches 100% and turns green, you'll know you've fully maximized your credits for that month. The spreadsheet supports both personal American Express cards and business cards. Make sure to use all caps for Y and N.

As noted above, there have been some reported delays in these credits actually posting to cardmembers' accounts. According to a statement from American Express, if you haven't seen an expected credit post within a few weeks of an eligible transaction, follow up in the Amex app or online at this link to inquire about the status.

Finally, some of these credits require cardmembers to navigate to the Amex Offers section of their online accounts and manually add the offer. Otherwise, the statement credits won't be triggered.

As a quick refresher, here's a roundup of all of the Amex cards that are currently offering monthly statement credits:

Personal cards with monthly credits

(Photo by Ryan Patterson for The Points Guy)

The Platinum Card® from American Express

Up to $15 in Uber Cash every month, plus an up-to-$20 bonus in December for U.S. services, for up to $200 in annual Uber Cash. (Enrollment required.)
Up to $20 in digital entertainment credit every month for eligible services, for up to $240 in annual statement credits. (Enrollment required.)
Up to $25 in Equinox credit every month for an eligible Equinox membership or Equinox+, for up to $300 in annual statement credits. (Enrollment required.)
Up to $12.95 in Walmart credit every month for a Walmart+ membership, for up to $155 in annual statement credits-plus ups are excluded. (Enrollment required.)
Total statement credits: Up to $895.
Card annual fee: $695 (see rates and fees).

As a reminder, this card also comes with up to $100 in statement credits annually for purchases at Saks Fifth Avenue or Saks.com (split into up to $50 for January through June and up to $50 for July through December), up to a $200 annual airline fee statement credit, up to a $200 prepaid hotel statement credit, up to a $189 annual statement credit for a Clear membership and up to a $300 SoulCycle bike statement credit. Enrollment is required for select benefits.

Eligibility for the Amex Offers is limited. Enrollment is required in the Amex Offers section of your account before redeeming.

American Express® Gold Card

Up to $10 back per month on select dining at eligible chains (up to $120 annually).
Up to $10 in Uber Cash every month (up to $120 annually in Uber Cash).*
Total statement credits: Up to $240.
Card annual fee: $250 (see rates and fees).

* Must add card to Uber app to receive Uber Cash benefit. Enrollment is required for select benefits.

Hilton Honors American Express Aspire Card

Up to $20 back per month at U.S. restaurants (through Dec. 31).*
Total statement credits: Up to $220.
Card annual fee: $450 (see rates and fees).

Hilton Honors American Express Surpass® Card

Up to $10 back per month at U.S. restaurants (through Dec. 31).*
Total statement credits: Up to $110.
Card annual fee: $95 (see rates and fees).

Hilton Honors American Express Card

Up to $5 back per month at U.S. restaurants (through Dec. 31).*
Total statement credits: Up to $55.
Card annual fee: $0 (see rates and fees).

Marriott Bonvoy Brilliant™ American Express® Card

Up to $20 back per month at U.S. restaurants (through Dec. 31).*
Total statement credits: Up to $220.
Card annual fee: $450 (see rates and fees).

Marriott Bonvoy American Express Card

Up to $10 back per month at U.S. restaurants (through Dec. 31).*
Total statement credits: Up to $110.
No longer open to new cardholders.

The information for the Marriott Bonvoy American 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 SkyMiles Reserve American Express Card

Up to $20 back per month at U.S. restaurants (through Dec. 31).*
Total statement credits: Up to $220.
Card annual fee: $550 (see rates and fees).

* Eligibility limited. This offer must be added via the Amex Offers section of your account.

Delta SkyMiles® Platinum American Express Card

Up to $15 back per month at U.S. restaurants (through Dec. 31).*
Total statement credits: Up to $165.
Card annual fee: $250 (see rates and fees).

Delta SkyMiles® Gold American Express Card

Up to $10 back per month at U.S. restaurants (through Dec. 31).*
Total statement credits: Up to $110.
Card annual fee: $0 introductory annual fee for the first year, then $99 (see rates and fees).

Business cards with monthly credits

The Business Platinum Card® from American Express

Up to $10 back per month on U.S. wireless services.
Total annual statement credits: Up to $120.
Card annual fee: $595; will rise to $695 if application received on or after Jan. 13, 2022 (see rates and fees).

The Hilton Honors American Express Business Card

Up to $10 back per month on U.S. wireless services (through Dec. 31).*
Total statement credits: Up to $110.
Card annual fee: $95 (see rates and fees).

Marriott Bonvoy Business American Express Card

Up to $15 back per month on U.S. wireless services (through Dec. 31).*
Total statement credits: Up to $165.
Card annual fee: $125 (see rates and fees).

Delta SkyMiles® Reserve Business American Express Card

Up to $20 back per month on U.S. wireless services (through Dec. 31).*
Total statement credits: Up to $220.
Card annual fee: $550 (see rates and fees).

Delta SkyMiles® Platinum Business American Express Card

Up to $15 back per month on U.S. wireless services (through Dec. 31).*
Total statement credits: Up to $165.
Card annual fee: $250 (see rates and fees).

Delta SkyMiles® Gold Business American Express Card

Up to $10 back per month on U.S. wireless services (through Dec. 31).*
Total statement credits: Up to $110.
Card annual fee: $0 introductory annual fee for the first year, then $99 (see rates and fees).

* Eligibility for these offers is limited. Enrollment is required in the Amex Offers section of your account before redeeming.

Bottom line

While travel is returning for many, it's nice to see that American Express and its cobranded partners are still offering limited-time perks to make these cards rewarding even if you're not actively traveling.

This spreadsheet will help you organize your monthly credits and make sure you're fully utilizing them before they expire. After all, these credits can play a big role in essentially offsetting the cost of your credit card's annual fees.

Remember that these credits are "use it or lose it" benefits. In other words, they won't roll over into the next month if you don't use them — so jump on them today before it's too late.

Additional reporting by Stella Shon and Nick Ewen.

For rates and fees of the Amex Platinum card, click here.
For rates and fees of the Amex Business Platinum card, click here.
For rates and fees of the Amex Gold Card, click here.
For rates and fees of the Hilton Aspire card, click here.
For rates and fees of the Hilton Surpass card, click here.
For rates and fees of the Hilton Amex card, click here.
For rates and fees of the Hilton Business Amex card, click here.
For rates and fees of the Marriott Bonvoy Brilliant card, click here.
For rates and fees of the Marriott Bonvoy Business card, click here.
For rates and fees of the Delta SkyMiles Platinum card, click here.
For rates and fees of the Delta SkyMiles Platinum Business card, click here.
For rates and fees of the Delta SkyMiles Gold card, click here.
For rates and fees of the Delta SkyMiles Gold Business card, click here.
For rates and fees of the Delta SkyMiles Reserve card, click here.
For rates and fees of the Delta SkyMiles Reserve Business card, click here.

Featured image by ISABELLE RAPHAEL/THE POINTS GUY

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.