At TPG, we are all about maximizing credit cards. This includes maximizing all benefits provided by the issuer, including statements of credit.
Our monthly list highlights all the offers and benefits you should use each month. Whether you have one or several credit cards, having a list as a reminder is an excellent way to ensure your full benefit.
There are a few different statement credits available at different intervals, such as quarterly, yearly or yearly, and these are something we can easily forget.
Therefore, here are some important reminders that statement credit should not be ignored. I recommend bookmarking this page and revisiting it every quarter.
American Express
There are many cards available and you should use them because Amex offers a variety of statement credits at different intervals throughout the year. These values are the “highest” amount, which means the maximum amount you will receive in the statement credit.
Also, these are not the benefits you can refurbish and use later. They are “using or losing it” credits.
Amex Commercial Platinum
- Annual – Adobe Credit Up to $250: A maximum of declared credits available for qualifying annual prepaid business plans to purchase Adobe Creative Cloud or Adobe Acrobat Pro (until June 30). Starting July 1, from July 1 to December 31 (and every calendar for each calendar year) spent $600 or more in the U.S. purchases, and up to $250 in Adobe declared credit. Registration is required; automatic renewal is required; terms and conditions apply.
- Annual – up to $200 in airline fees credit: Declaration credits for each calendar year up to $200 when you choose a qualified airline and the accompanying fees are charged by American Express’s PlatinumCard®. Credit can be used once or once through multiple transactions.
- Yearly – Clear credit up to $199: Declared credit of up to $199 per calendar year is clear membership (excluding taxes and fees; automatic renewal).
- Annual – up to $1,150 for Dell Credit: $200 box office from January to June, up to $200 when you buy it from July to December at dell.com (until June 30). Starting July 1, a US $5,000 or more spent at Dell at Dell from July 1 to December 31, up to $150 for a US purchase directly with Dell (and for every calendar year thereafter). Registration is required; Terms and conditions apply.
- Quarterly – Up to $50 Hilton Letter of Credit: Purchases made directly with Hilton Portfolio Property with a declared credit of up to $50 per quarter (up to $200 per calendar year). You must have a commercial membership at the Hilton Hotel to take advantage of this benefit. Registration is required; Terms and conditions apply.
Amex Platinum
- Annual – up to $200 in airline fees credit: Declaration credits up to $200 per calendar year, when you choose a qualified airline and accompanying fees, the airline will charge that airline fee. Credit can be used once or once through multiple transactions. Registration is required; Terms and conditions apply.
- Yearly – Clear credit up to $199: Declared credit of up to $199 per calendar year is clear membership (excluding taxes and fees; automatic renewal).
- Every year – up to $300 in the vernal equinox credit: Declaration credits up to $300 per calendar year for Equinox+ or Equinox Club membership (if automatically renewed). Registration is required; Terms and conditions apply.
- Every year – up to $200 hotel credit: Up to $200 per calendar year for prepaid fine hotels + resorts or hotels made through American ExpressTravel® and pay with American Express PlatinumCard®. (Hotel collection reservations must be at least two nights.)
- Annual – up to $50 SAKS Fifth Avenue Credit: Declaration credits up to $50 from January to June and statement credits up to $50 from July to December. Purchase effectively on SAKS Fifth Avenue or Saks.com. No minimum purchase is required. Registration is required; Terms and conditions apply.
Amex Gold
- Annual – Reward statement credit available up to $50: Each calendar year has a maximum of $50 per biennial credit, one from January to June and the other from July to December. Redeem statement credit by dining at a U.S. restaurant, which accepts Resy Reservations and purchases using American Express® Gold and other qualified Resy. No reservations are required through Resy to earn statement credit. Registration is required; Terms and conditions apply.
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Amex Green
- Yearly – Clear credit up to $199: Declare credit for clear membership with your American Express® Green Card (excluding taxes and fees; subject to automatic renewal).
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.
Delta Air Brand Common Card
Hilton Aspire
- Yearly – Clear credit up to $199: Declared credit of up to $199 per calendar year is clear membership (excluding taxes and fees; automatic renewal).
- Annual – Up to $200 in Hilton Resort Credit: From January to June, up to $200, from July to December, up to $200 in qualified purchases (including room fees and miscellaneous items) when your Hilton Honors Hilton American Express Aspire Card is at participating Hilton Resorts.
- Quarterly – up to $50 flight credit: When you pay directly with the airline or through Amextravel.com, you can declare points up to $50 per quarter. Data points show that you can use this line of credit for seat upgrades, reward taxes and fees, and United Travelbank balance reloading.
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 Business and Hilton Man Beyond
- Quarterly – Up to $60 for Hilton Credit: Hilton Honors American Express’s business card is up to $60 per quarter and uses the Hilton Honors American ExpressSpearpass® card to $50 per quarter. Qualified purchases include hotel reservations and incidental purchases that charge your room, such as catering and spa services; however, data points show that purchases of catering and gift shops (even if you are not staying in the hotel) may trigger credit.
Capital One
Few capital credit cards have stated credit, so if you carry one of the following eligible cards, remember to maximize your card.
Adventure X Rewards and Adventure X Business
Chase
Choosing a Chase credit card provides statement points that tend to fly under radar and is often missed when focusing on featured cards with monthly statement credits.
Chase Sapphire’s first choice
IHG common card
Southwest Quick Reward Priority
- Yearly – Southwest credit up to $75: Southwest Airlines credit limits up to $75 per cardholder for annually, with Southwest RapidRewards® Priority Credit Cards (see rates and fees). Eligible purchases include air tickets, but it is well known that purchasing a Southwest Gift Card also triggers a statement credit.
Related: Our Know About the Shocking Changes in the Southwest and What You Should Do Now
Manchester United’s common card
Manchester United overhauled its credit card lineup in March by adding annual fees and adding a series of statements that should not be forgotten:
- Every year – up to $200 hAlter Credit: Statement credits for famous hotels and resorts or joint hotels; vary according to the card
- Every year – up to $200 JSX Credit: Different according to the card
- Annual – up to $200 in travel bank cash: Change according to the card
- Every year – Travel bank cash for up to $100 with car rental: Different according to the card
- Every year – Farleck credits up to $50: After purchasing United Airlines or United Quick Operation Farleck and using one of one of Manchester United’s business cards; depending on the card
The World of Hyatt Enterprise
Cloth
Citi has a wide range of credit cards that can provide negligible statement credit cards.
Citi/Aadvantage execution
Citi® / Aadvantage® Execution World Elite Mastercard® (see Rates and Fees) has the following easily forgotten privileges:
- Annual – up to $120 in car rental credit: A declared credit limit of up to $120 for eligible prepaid AVI or budget car rental purchases in each calendar year. (If you apply before July 15, 2024, you can earn $120 on prepaid and postpaid bookings by December 31, 2025.)
Citigroup Prime Minister
this Citigroup premiere card (See rates and fees) Often overlooked credit:
- Annual – $100 hotel credit: Credit for a single hotel stay of $500 or more (excluding taxes and fees) when booking via Cititravel.com or calling 833-737-1288. The benefits when booking are applied.
Bank of America
Only one U.S. Bank credit card provides stated credit.
Bank of America is highly
- Annual – $15 Streaming Credit: Cardholders receive a $15 streaming service credit after 11 months of qualified streaming purchase. Qualified businessmen include Apple TV+, Netflix and Spotify.
Information on Bank of America’s Highly GO has been independently collected by Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
Related: Bank of America Altitude GO Visa Signature Credit Card Review: A Foodie’s Annual Fee Card
Bottom line
The best way to maximize your credit card value and prove your annual fee is to use all the privileges and benefits offered to you.
While many cards have monthly allowances and declared credits, you can easily keep the top on, but it’s easy to lose track and forget what’s available at different intervals.
Use this guide to track quarterly, annual and annual benefits and ensure you get all the value from your credit card.
Related: How long does it take to get statement credit from Amex, Capital One, Chase and Citi?
