Still missing your September Amex dining credits? Here’s what to do

Sep 30, 2021

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Earlier this year, American Express announced a slew of new limited-time perks on many of its popular credit cards. This included PayPal credits (now expired) on The Platinum Card® from American Express, along with up to $20 in monthly dining credits across many of Amex’s cobranded cards, including those from Delta, Hilton Honors and Marriott Bonvoy.

For me, this meant that, from February through December of this year, I’d enjoy a total of $40 in statement credits at restaurants — $20 each on my Marriott Bonvoy Brilliant™ American Express® Card and my Hilton Honors American Express Aspire Card. And I’ve gleefully used these credits each month, without any of the delays that plagued some other limited-time offers early in the year.

Until this month, that is.

Here’s my experience — and what you can do if you’re in a similar situation.

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.          

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In This Post

$40 in missing credits for September

In early September, I made a pair of restaurant purchases — one on the Bonvoy Brilliant and another on the Hilton Aspire — during my family’s unexpected trip to Palm Beach, Florida. Both were over $20, and both posted in the category of dining, thus making them eligible for the statement credits.

However, after a few days, those credits hadn’t posted. Then a week had passed, and then two.

As it turns out, I wasn’t the only one in this situation. TPG Executive Editor Scott Mayerowitz has four eligible cards with dining credits and made eligible restaurant purchases with all of them in early September. Two posted normally, but he too was missing a $20 credit on his Bonvoy Brilliant (purchase date: Sept. 4) along with one on his Delta SkyMiles® Reserve American Express Card (purchase date: Sept. 2).

Finally, after my monthly statements had closed on the two cards with no $20 credits, I initiated an online chat with American Express. After explaining my situation, the customer service representative said the following:

“I truly apologize for the inconvenience. There is a known delay for the month of Sep[tember], I will check and apply them manually.”

After a few minutes, the rep indicated that the request had been submitted and that the credits should post in 24-48 hours. Unfortunately, as I type this, they still haven’t arrived — even though I am past the 48-hour window.

What’s especially frustrating about this issue is the sheer randomness of it. While I had it happen to both of my cards, Scott only had the problem on two of his four. And multiple other TPG team members had zero issues at all — with the dining statement credits posting within a few days of the purchase.

Related: Your ultimate guide to saving money with Amex Offers

Here are the steps you should take

That said, if you made an eligible dining purchase in early September and haven’t checked your account to see if the credit has arrived, now’s a great time to do so. Here’s how:

  • Log in to your American Express account.
  • Navigate to your applicable card, and open up the Statements & Activity page.
  • Review your billing history since Sept. 1 and see if the credit has posted. If so, you’re all set (but if not, move to the next step).
  • Click on the eligible transaction.
  • Verify that it was categorized as a restaurant purchase — which should be on the right-hand side.
  • If it was, click on the Chat button at the bottom right of your browser, and explain your situation.
Online dining purchase on American Express' website
As you can see, my Sept. 5 purchase was clearly at a restaurant, as I earned 3x Marriott points. (Screen shot courtesy of American Express)

Since this is apparently a “known delay” (per my Amex rep), you shouldn’t have a problem getting your missing credits manually posted. Just bear in mind that, as I found, it may take slightly longer than the expected timeline.

However, if another week goes by and you’re still waiting for the manual credits, go ahead and start another online chat. It took Scott two chats to get the credit on his Delta Reserve card (which finally posted on Sept. 22 — 20 days after the purchase), and it took him three to get the credit on his Bonvoy Brilliant (which didn’t post until today — 26 days later).

This is definitely an added hassle, but it does seem to be a relatively limited issue — and hopefully, one that won’t be repeated in future months.

Speaking of which …

Will this impact next month’s credit?

These monthly statement credits for eligible dining purchases go through the end of 2021, and they reset on the first of each month. With tomorrow marking the start of October, I was concerned that a delayed $20 credit that posts on Oct. 1 (for example) might count as my October credit rather than being properly applied as my Sept. 1.

Thankfully, Scott’s last online chat with American Express included the following note:

“If you see this Credit in Oct[ober], it will be considered for Sep[tember] only.”

I will certainly be keeping an eye on my accounts to make sure that this is accurate — but since Amex retains online chat records, any issues should be relatively easy to investigate.

Bottom line

Some American Express cardholders have experienced significant delays in receiving their September dining credits. While it doesn’t appear to be as widespread of an issue as we saw earlier in the year, it’s nevertheless something to keep an eye on.

If you haven’t checked your eligible Amex account(s) for any applicable credits, you should do so today. And if you’re missing any, initiate an online chat to hopefully get them manually applied.

Featured photo by RyanJLane/Getty Images.

Editorial Disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

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