Credit Cards with Calendar Year Credits

Categories: Credit Card BenefitsBy Katie HoldenLast Updated: January 25, 2024

Most issuers have moved towards awarding credits based on the card anniversary. This means that statement credits expire and reset based on when you opened the card. However, there are some cards that have statement credits that follow the calendar year. It’s important to pay attention to these so you get the max value of your cards!

American Express Statement Credits

While some American Express benefits are based on the calendar year and expire on December 31, there are also monthly and/or quarterly benefits that need to be used each month or every six months.

On the table below, benefits that are marked with an asterisk (*) are monthly benefits and benefits marked with a plus (+) are quarterly benefits. Be sure to take advantage of your monthly benefits each month.

Log into your American Express account for all the information on these credits and other benefits. And note that many of these credits require you to ENROLL with Amex before you are able to use the statement credit. You will need to navigate to the benefits page of your credit card, find the credit, and click “Enroll.”

Card Name	Statement credits
American Express® Green Card	Annual Credits (Expire December 31, reset January 1) $189 CLEAR® Plus Credit: Breeze through security with CLEAR Plus at 100+ airports, stadiums, and entertainment venues nationwide and get up to $189 back per calendar year on your Membership (subject to auto-renewal) $100 LoungeBuddy Credit
American Express® Gold Card	Monthly Credits Up to $120 Restaurant Dining Credit – When you dine at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and select Shake Shack locations, you can earn up to $10 in statement credits monthly when you pay with the Gold Card. (Enrollment required) Up to $120 Uber Cash on Gold – Add your Gold Card to your Uber account and each month get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., up to $120 per year. Enrollment required.
American Express® Business Gold Card	Earn up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at FedEx, Grubhub, and Office Supply Stores. This can be an annual savings of up to $240. Enrollment required. Get $12.95 back in statement credits each month when you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Business Gold Card. $12.95 plus applicable taxes.
The Platinum Card® from American Express	Annual Credits (Expire December 31, reset January 1) $200 Airline Fee Credit: Get up to $200 in statement credits per calendar year for incidental fees charged by your one selected, qualifying airline to your Card. $200 Hotel Credit: Get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings with American Express Travel when you pay with your Platinum Card®. The Hotel Collection requires a minimum two-night stay. $189 CLEAR® Plus Credit: Breeze through security with CLEAR Plus at 100+ airports, stadiums, and entertainment venues nationwide and get up to $189 back per calendar year on your Membership (subject to auto-renewal) when you use your Platinum Card®. Semi-Annual Credit Shop Saks with Platinum: Get up to $100 in statement credits annually for purchases in Saks Fifth Avenue stores or at saks.com on your Platinum Card®. That’s up to $50 in statement credits semi-annually. Enrollment required. Monthly Credits $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. $240 Digital Entertainment Credit: Get up to $20 back in statement credits each month on eligible purchases made with your Platinum Card® on one or more of the following: Disney+, a Disney Bundle, ESPN+, Hulu, The New York Times, Peacock, SiriusXM, and The Wall Street Journal. Enrollment required. $155 Walmart+ Credit: Cover the cost of a $12.95 monthly Walmart+ membership (subject to auto-renewal) with a statement credit after you pay for Walmart+ each month with your Platinum Card®. Cost includes $12.95 plus applicable local sales tax. Plus Up Benefits are excluded.
The Business Platinum Card® from American Express	Annual Credits (Expire December 31, reset January 1) $200 Airline Fee Credit: Get up to $200 in statement credits per calendar year for incidental fees charged by your one selected, qualifying airline to your Card. Up to $400 annual credit for eligible U.S. Dell purchases (enrollment required) $189 CLEAR® Plus Credit: Use your card and get up to $189 in statement credits per calendar year on your CLEAR® Plus Membership (subject to auto-renewal) when you use your Business Platinum Card®. Enroll and get up to $120 in statement credits per year (up to $10 back per month) for wireless telephone service purchases made directly with a wireless provider in the U.S. on your Business Platinum Card.^‡
Hilton Honors American Express Aspire Card	Annual Credit $189 CLEAR Plus Credit CLEAR® uses unique attributes, such as eyes or fingerprints, to digitally verify identity to help its members move faster through security at select airports nationwide. Receive up to $189 per calendar year in statement credits, when you pay for a CLEAR Plus Membership (subject to auto-renewal)with the Hilton Honors American Express Aspire Card. Semi Annual Credit $400 Hilton Resort Credit – Enjoy up to $200 in statement credits semi-annually, for up to $400 back per year, on eligible purchases made directly with participating Hilton Resorts using your Hilton Honors American Express Aspire Card. Quarterly Credit $200 Flight Credit: Get up to $50 in statement credits each quarter, for a total of up to $200 back each year, on flight purchases made directly with an airline or through amextravel.com using your Hilton Honors American Express Aspire Card.
Marriott Bonvoy Brilliant® American Express® Card	Monthly Credit $300 Brilliant Dining Credit: Each calendar year, get up to $300 (up to $25 per month) in statement credits for eligible purchases made on the Marriott Bonvoy Brilliant® American Express® Card at restaurants worldwide.

If you have an American Express card not listed above, make sure to check your card benefits to ensure you’ve used any applicable statement credits.

Track Your Statement Credits with Amex

If you aren’t sure whether you have fully used a credit, you can log into your American Express account, select the “Rewards and Benefits” section, and scroll down to “Track Your Progress” to see how much of your credits have been used.

Enroll in Amex Benefits

For some of these credits, it’s not enough to simply charge the spending to your American Express card. American Express requires that you Enroll to be eligible for many of these statement credits. Enrollment is simple, and only needs to be done once.

1. Log into your American Express account

1. Click on “Rewards and Benefits”

1. Click on “Benefits”

1. Scroll down and select “Enroll”

1. Find the benefits you would like to enroll in and follow the prompts.

Chase Statement Credits

All Chase cards also come with a monthly GoPuff statement credit (ends 12/31/2023).

Card Name	Statement credits
Chase Freedom®, Chase Freedom Flex℠, Chase Freedom Unlimited®, Chase Freedom Rise℠ and Chase Freedom® Student Credit Card	Quarterly Credits $10 to Instacart
Chase Sapphire Preferred® Card	Quarterly Credits $15 to Instacart
Chase Sapphire Reserve® Card	Monthly Credits $15 each month to Instacart
The Ritz-Carlton^™ Credit Card	Annual Credits (Expire December 31, reset January 1) $300 Airline Fee Credit: Get up to $200 in statement credits per calendar year for incidental fees charged by your one selected, qualifying airline to your Card.
IHG One Rewards Premier Business Credit Card and IHG One Rewards Premier Credit Card	Semi Annual Credit Up to $50 United^® Airlines TravelBank Cash each year Receive up to $50 United^® TravelBank Cash each calendar year after registering your IHG One Rewards Premier Credit Card with your MileagePlus^® account. These expire on Jan 14 and July 14 with a small overlap, making it possible to get $50 off a United Flight

Credit Cards with Calendar Year Credits

Table of Contents

American Express Statement Credits

American Express® Green Card

Annual Credits (Expire December 31, reset January 1)

American Express® Gold Card

Monthly Credits

American Express® Business Gold Card

The Platinum Card® from American Express

Annual Credits (Expire December 31, reset January 1)

Semi-Annual Credit

Monthly Credits

The Business Platinum Card® from American Express

Annual Credits (Expire December 31, reset January 1)

Hilton Honors American Express Aspire Card

Annual Credit

Semi Annual Credit

Quarterly Credit