After spending with some businessmen, many credit cards offer monthly, quarterly or annual statement credit lines – but it is not always clear how long it takes for those credits to take.
While banks often say it can take two or three months, most points will arrive earlier.
We conducted a survey of TPG staff and readers to see how long it really takes. Here are the cards we found from American Express, Capital One, Chase and Citi.
How long does it take to receive the AMEX statement credit?
American Express stated credit tends to be published on average within two to three days, although it depends on the specific card and stated credit. Admission is required to obtain selected benefits; terms and conditions apply.
Amex Commercial Gold
To learn more, read our full review of American Express® Business Gold Medal.
Amex Commercial Platinum
To learn more, read our full review of BusinessPlatinumCard® from American Express.
Amex Gold
Daily Newsletter
Reward your inbox with TPG Daily Newsletter
Join over 700,000 readers for breaking news, in-depth guides and exclusive deals from TPG experts
To learn more, read our full review of American Express® Gold Card.
Amex Green
To learn more, read our full review of American Express® Green Card.
The information on the Amex green card has been collected independently by Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
Amex Platinum
To learn more, read our full review of PlatinumCard® from American Express.
Delta Skymiles Card
To learn more, check out our full list of Delta Skymiles cards.
Hilton Aspire
To learn more, read our full review of the Hilton Honors American Express Aspire Card.
Information on the Hilton Aspire Card has been collected independently by Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
Hilton Beyond and Business
To learn more, read our full review of the Hilton Honors American Express Supass® card, and our full review of the Hilton Honors American Express business card.
Marriott Bonvoy’s brilliant
- Monthly Meal Credit: Three days
To learn more, read our full review of the Marriott Bonvoy Brillirlin® American Express® Card.
How long does it take to receive Capital One Spade Crade?
Venture X and Venture X Business
Capital One Venture X Rewards Credit Card and Capital One Venture X Business both have a $300 annual travel credit line for bookings made through Capital One Travel.
To learn more, read our full review of the Venture X and Venture X businesses.
How long does it take to earn a chasing statement credit?
Some chasing credit cards offer statement credit, so be sure to use the following if you are a cardholder.
Chase Sapphire’s first choice
To learn more, read our full review of the Chase SapphirePreferred® card.
Chatong Sapphire Reserve
Chase SapphireReserve® (see Rates and Fees) has a wide range of travel categories in terms of the bonus points you receive and the card’s annual travel credit limit.
To learn more, read our full review of Chase Sapphire Reserve.
United Credit Card
- Famous hotel and resort credit: Two days
- Ride service credit: Two days
- United Hotel Credit: Three days
To learn more, read our Joint Credit Card Guide.
The World of Hyatt Business Credit Cards
To learn more, read our full review of Hyatt Business Credit Card World.
How long does it take to obtain Citi Statement Credit?
Citi/Aadvantage execution
Citi® / Aadvantage® Execution World Elite Mastercard® (see Rates and Fees) is a premium travel card for American Airlines.
To learn more, read our full review of Citi/Aadvantage Directors.
Bottom line
Maximizing the privileges of cards is crucial. These benefits unlock the value of the card and can offset the annual fee you keep the card every year. However, banks often don’t know how long it takes to get your statement points.
If your waiting time is longer than the average on this page, please contact your credit card issuer for missing statement credit. The fastest and most effective way is to use the bank’s online chat or secure messaging capabilities.
Related: Best Credit Cards, TPG Spokesperson Clint Henderson
