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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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Build your loyalty to Delta by applying for the carrier's mid-tier card option, the Delta SkyMiles Platinum card. The annual fee is quickly recouped by the card's travel perks, such as an application credit to Global Entry or TSA Precheck, annual companion certificate and so much more. Plus you can fast-track to elite status simply through card spend.

Pros

  • Earn bonus Medallion® Qualification Miles (MQMs) and an Medallion Qualifying Dollar (MQD) waiver when you hit specific spending thresholds with your card within a calendar year
  • Receive a Domestic Main Cabin round-trip companion certificate each year
  • Statement credit for TSA PreCheck/Global Entry fee (up to $100)
  • First checked bag free

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  • Doesn't make sense if you don't fly Delta
  • SkyMiles aren't the most valuable airline currency
  • Earn 90,000 bonus miles after you spend $4,000 in purchases on your new Card in your first 6 months.
  • Receive a Domestic Main Cabin round-trip companion certificate each year upon renewal of your Card. Payment of the government imposed taxes and fees of no more than $80 for roundtrip domestic flights (for itineraries with up to four flight segments) is required. Baggage charges and other restrictions apply. See terms and conditions for details.
  • Enjoy your first checked bag free on Delta flights. Plus enjoy Main Cabin 1 Priority Boarding and settle into your seat sooner.
  • New: Card Members get 15% off when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
  • Earn 3X Miles on Delta purchases and purchases made directly with hotels.
  • Earn 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets.
  • Earn 1X Mile on all other eligible purchases.
  • Enjoy a per-visit rate of $50 per person for Card Members and up to two guests to enter the Delta Sky Club when traveling on a Delta flight.
  • Fee Credit for Global Entry or TSA PreCheck® after you apply through any Authorized Enrollment Provider. If approved for Global Entry, at no additional charge, you will receive access to TSA PreCheck.
  • Earn up to 20,000 Medallion® Qualification Miles (MQMs) with Status Boost® per year. After you spend $25,000 in purchases on your Card in a calendar year, you can earn 10,000 MQMs up to two times per year, getting you closer to Medallion® Status. MQMs are used to determine Medallion® Status and are different than miles you earn toward flights.
  • No Foreign Transaction Fees.
  • $250 Annual Fee.
  • Terms Apply.
  • See Rates & Fees