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How to claim missing Amex statement credits

Sept. 17, 2022
5 min read
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One of the greatest things about credit cards is that some give you statement credits to make the things you enjoy free. That includes perks like Global Entry, Uber rides and streaming services.

But one of the greatest frustrations is keeping track of these statement credits to make sure they post correctly, giving you the rebate that you deserve.

American Express offers the most statement credits out of any major issuer. Given how many you may have at your disposal, keeping track of them can be difficult. That's why we have a monthly checklist of credit card perks you should be using.

But what happens if these credits don't post properly? Here's how you can claim missing statement credits from Amex.

Make sure you qualify for the statement credit

Before assuming that a statement credit is missing, make sure you are eligible for that credit first. Many statement credits from American Express require enrolling for the benefit in advance. Thus, if you didn't enroll for the benefit prior to making a purchase, you might be surprised to find out that you aren't eligible for a statement credit.

BUSAKORN PONGPARNIT/GETTY IMAGES

Here's a look at some benefits you must enroll for in advance, in order to receive statement credits from Amex:

Thus, if you make a purchase with one of these merchants, you may not receive the statement credit you are expecting if you didn't enroll for the benefit in advance.

How to claim your missing Amex statement credits

Before contacting Amex, make sure you have the information on the merchant, the purchase amount and what day it posted to your account. To find these details, log in to your American Express account online or via the app.

Next, navigate to the card that the purchase was charged to and open the "Statements & Activity" page. Then, scroll down until you find the relevant charge, the date and the amount. And then look through all other charges in that same month to see if you received the statement credit associated with your purchase.

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If you are certain you're eligible for a statement credit and have waited a sufficient amount of time, here's how you can claim your missing credits from American Express.

Related: How long does it take to receive statement credits from Amex, Capital One and Chase?

For contacting Amex, there are two options: You can use the online chat feature or call the number on the back of your card.

In March, it took 12 days to receive my Walmart+ credit, but I received the credit on the very same day in June. AMERICANEXPRESS.COM

Once you are speaking to a customer service representative, mention that you have missing statement credits and identify exactly which benefit they are related to. From here, mention the date of the charge for which you didn't receive the appropriate credits.

AMERICANEXPRESS.COM

In both July and August, I didn't receive statement credits for my Walmart+ membership, which is a benefit of The Platinum Card® from American Express. This was apparently a wider issue, as reported by Doctor of Credit. However, the chat representative said billing should be fixed from September 2022. My chat session to resolve the missing credits took less than five minutes from start to end.

Related: How 5 minutes of chat got me 85,000 points plus $150

If you decide to call, the conversation model will be the same. Explain which credits are missing and the date of the relevant charge, then request the credit from the employee you are talking to.

Most likely, one of two things will happen during your conversation. It's possible the customer service agent will tell you to wait longer before they can manually post the credit for you. If that happens, ask how much longer you should wait for the statement credit to post to your account before you contact Amex again for further help.

It's also possible that the representative will post courtesy credits to your account while talking to you. If that happens, ask how long you should wait for these to show up.

In either situation, make sure you take note of this timeline and ask what you should do next if things don't go as planned. I usually ask, "If the credits don't show up by then, what should I do?"

Bottom line

When technology works as expected, life is great. You enroll for a benefit offered by your credit card, make the corresponding purchase and then a statement credit posts to your bill a few days later.

Unfortunately, it doesn't always work this way. The good news here is that claiming your missing statement credits from Amex isn't overly difficult. The most time-efficient way to get your missing statement credits is to use Amex's online chat function.

Featured image by (Photo by Wyatt Smith/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.

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If you are looking to take your premium rewards to the highest level, this card is really a no brainer in our eyes. Chase's Ultimate Rewards make points easy to redeem, with a wide range of 10 airline and three hotel transfer partners and a friendly user interface. Despite the high annual fee, Chase is consistently adding new benefits to keep the card competitive in a fierce premium rewards field.

Pros

  • $300 annual travel credit as reimbursement for travel purchases charged to your card each account anniversary year
  • Access to Chase Ultimate Rewards hotel and airline travel partners
  • Unlimited 3x points on the broad category of travel and dining
  • 50% more value when you redeem your points for travel through Chase Ultimate Rewards®
  • Broad definitions for travel and dining bonus categories

Cons

  • Steep $550 annual fee
  • May not make sense for people that don't travel frequently
  • You must spend the $300 travel credit before earning 3x points for travel and dining
  • No automatic hotel elite status
  • Earn 80,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,200 toward travel when you redeem through Chase Ultimate Rewards®
  • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
  • Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
  • Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards®. For example, 80,000 points are worth $1,200 toward travel
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more