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The Points Guy believes that credit cards can transform lives, helping you leverage everyday spending for cash back or travel experiences that might otherwise be out of reach. That's why we publish a variety of editorial content and card comparisons: to help you find a great card to turn your goals into reality.
Our site may earn compensation when a customer clicks on a link, when an application is approved, or when an account is opened with our partners, and this may impact how or where these products appear. While we don't cover all available credit cards, our editorial team creates and maintains all of the analysis of these cards, and our content is not influenced nor subject to review by any credit card company, bank or partner prior to (or after) publication. Please view our advertising policy and product review methodology for more information.
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Here’s how to use (and track) your December Amex statement credits
Benji Stawski is a former reporter for the site, covering all things points, miles, credit cards, travel and aviation.
December 1, 2021 • 10 min read
The cards we feature here are from partners who compensate us when you are approved through our site, and this may impact how or where these products appear. We don't cover all available credit cards, but our analysis, reviews, and opinions are entirely from our editorial team. Terms apply to the offers listed on this page. Please view our advertising policy and product review methodology for more information.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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By commenting, you agree to our Community Guidelines to help create a positive space for conversation. The responses below are not provided or commissioned by the bank advertiser, our partners, or The Points Guy (“TPG”). They have not been reviewed, approved, or otherwise endorsed by any of these parties. All responses are submitted by individual contributors, and neither the bank advertiser, our partners, nor TPG are responsible for ensuring that all posts and/or questions are answered.
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Quick summary
Monthly statement credits on select cards reset at the start of each month, offering significant value if tracked and used consistently.
Credits can apply to categories such as dining, wireless services and digital entertainment, with some limited-time offers expiring at year-end.
A downloadable spreadsheet is available to help cardholders monitor and maximize their monthly credits across both personal and business cards.
Some credits require manual activation through an online account section before they can be redeemed.
What to consider
Credits are 'use it or lose it' and do not roll over to the next month if unused.
Posting delays for credits have been reported, so tracking and timely follow-up may be necessary.
Certain offers require enrollment or manual addition to your account before use.
What you'll miss from the article
Step-by-step instructions for using the downloadable tracker to ensure you fully utilize all available monthly credits.
Generated by AI with support from our editorial team.
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.
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. (Screenshot by The Points Guy)
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.)
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).
(Screenshot from American Express)
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).
(Screenshot from American Express)
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).
(Photo by The Points Guy)
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.
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.
Comments
By commenting, you agree to our Community Guidelines to help create a positive space for conversation. The responses below are not provided or commissioned by the bank advertiser, our partners, or The Points Guy (“TPG”). They have not been reviewed, approved, or otherwise endorsed by any of these parties. All responses are submitted by individual contributors, and neither the bank advertiser, our partners, nor TPG are responsible for ensuring that all posts and/or questions are answered.
