How long does it take to receive statement credits from Amex, Capital One and Chase?
There's a good chance that you have a credit card with monthly perks. Other credit cards have annual credits, provided in the form of rebates or statement credits after you spend money with predefined merchants.
However, there's one thing the banks don't make clear: how long it really takes to receive these credits.
You may see terms like "allow up to 12 weeks to receive credit" and think that sounds crazy. Does it really take 12 weeks to receive credit for using the perks built into your credit card? Luckily, it doesn't.
We polled readers and TPG staff to see when they normally receive their credits (on average). Here's a look at how long it really takes to get statement credits from American Express, Chase and Capital One.
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How long does it take to receive Amex statement credits?
Amex 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.
The Platinum Card® from American Express
- $200 hotel credits with Fine Hotels and Resorts / The Hotel Collection: three days on average.
- Airline incidental credits: five days on average.
- Clear membership fee credit: two days on average.
- Digital entertainment credits: two days on average.
- Saks Fifth Avenue credits: four days on average.
- Walmart+ credits: three days on average.
Click here for our full review of the Amex Platinum Card.
The Business Platinum Card® from American Express
- Airline incidental credits: three days on average.
- Clear membership fee credit: two days on average.
- Dell credits: two days on average.
- Mobile/wireless credits: three days on average.
Click here for our full review of the Amex Business Platinum Card.
Hilton Honors American Express Aspire Card
- Airline incidental credits: four days on average.
- Hilton resort credits: two days on average.
Click here for our full review of the Hilton Aspire card.
The information for the Hilton Aspire 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.
American Express® Gold Card
- Monthly dining credits: three days on average.
Click here for our full review of the Amex Gold Card.
American Express® Green Card
- Clear membership fee credit: two days on average.
Click here for our full review of the Amex 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.
How long does it take to receive Capital One statement credits?
Capital One Venture X Rewards Credit Card
The Venture X is the only card from Captial One with annual statement credits. This comes in the form of up to $300 in statement credits for bookings made with Capital One Travel.
- Travel portal statement credits: four days on average.
Click here for our full review of the Venture X card.
How long does it take to receive Chase statement credits?
Chase Sapphire Preferred Card
After a 2021 refresh to the Sapphire card family, the Sapphire Preferred now has a $50 annual hotel credit.
- $50 annual hotel credit: four days on average.
Click here for our full review of the Sapphire Preferred card.
Chase Sapphire Reserve
The Sapphire Reserve has a broad travel category in terms of what you earn bonus points for and what counts for the card's annual travel credit.
- $300 annual travel credit: one day on average.
Click here for our full review of the Sapphire Reserve card.
Bottom line
Using your credit card's perks is key. These benefits unlock the value of the card 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 you see on this page, reach out to your credit card issuer to inquire about missing statement credits. The quickest and most effective way to do this is probably by using your bank's online chat or secure messaging function.
Top offers from our partners
How we chose these cards
TPG featured card
Rewards
| 3X | Earn 3X Miles on Delta purchases and purchases made directly with hotels. |
| 2X | Earn 2X Miles at restaurants worldwide, including takeout and delivery in the U.S. and at U.S. supermarkets. |
| 1X | Earn 1X Miles on all other eligible purchases. |
Intro offer
Annual Fee
Recommended Credit
Why We Chose It
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
Cons
- 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
Rewards Rate
| 3X | Earn 3X Miles on Delta purchases and purchases made directly with hotels. |
| 2X | Earn 2X Miles at restaurants worldwide, including takeout and delivery in the U.S. and at U.S. supermarkets. |
| 1X | Earn 1X Miles on all other eligible purchases. |
Intro Offer
Earn 90,000 bonus miles after you spend $4,000 in purchases on your new Card in your first 6 months.Earn 90,000 Bonus Miles50,000 Bonus MilesAnnual Fee
$250Recommended 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.670-850Excellent/Good
Why We Chose It
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
Cons
- 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