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If you find it difficult to remember the many partnerships your credit card offers, you aren't alone. Card issuers have added uncountable partnerships in recent years, and that means getting the maximum value for your annual fee is trickier than ever. Honestly, it's just hard to keep track of them all!
We're here with a solution. In this post, we've compiled the statement credits that cardmembers have access to so you can make the most of these credits in 2025.
If you hold any of these cards, it's time to get to using these credits. If you don't think you can use them for yourself, remember that you can gift many of these perks.
Page Contents
Amex Shopping, Travel, and Business Credits
Dell, Adobe, and Indeed statement credits
The Business Platinum Card® from American Express offers a trio of enrollment-required business credits:
- Dell: Up to $200 in Dell statement credits between January 1 and June 30 and another $200 credit between July 1 and December 31.
- Adobe: Get up to $150 back for select auto-renewing annual business subscription purchases with Adobe on the Business Platinum Card.
- Indeed: Get up to $360 back (up to $90 quarterly) for Indeed purchases made with the Business Platinum Card.
On the Business Platinum Card benefits page, you might note the Dell and Adobe credits are available “through 6/30/2025.” The future of these two benefits is unclear past that point.
Learn more: Things You Can Buy With Your Business Platinum Card Dell Credit
Saks Fifth Avenue credit
The Platinum Card® from American Express offers up to $50 in Saks Fifth Avenue statement credits between January 1 and June 30 and another $50 credit between July 1 and December 31. Enrollment is required for select Amex benefits.
CLEAR® credits
The American Express® Green Card offers a CLEAR® Plus membership statement credit of up to $199 per calendar year.
CLEAR is an alternative biometric program that allows customers to bypass certain lines at airports, arenas, and other venues. Credit card holders and status members of Delta SkyMiles or United MileagePlus receive a small discount and can sign up for CLEAR Plus for as little as $159 per year (or free with top-tier elite status), and you can add friends and family members for $119 each.
Amex Green Card holders get a $199 annual CLEAR Plus membership credit (issued as a statement credit). As the discount for Delta and United cardholders and elites was reduced recently, using it to pay for two memberships ($159 + $119) as a United or Delta cardholder or elite member will cost you $79 out of pocket ($278 – $199 credit) every year you charge the membership to the Amex Green Card.
The Amex Platinum, Business Platinum Card, and Hilton Honors American Express Aspire Card also offer up to $199 annually in credits for CLEAR Plus membership.
Enrollment is required for select Amex benefits.
Monthly Credits Available to Cardholders
American Express and Chase have added a slew of monthly credits to keep cardholders using their credit cards. Here's a roundup of the credits you should consider using monthly.
Amex
- Uber credits: Each month, Amex Platinum Card Members get a $15 monthly credit, plus an extra $20 credit in December for a total of $35. Similarly, the American Express® Gold Card offers a $10 per month Uber Cash credit (up to $120 per year) only applies to rides and Uber Eats orders in the U.S. To take advantage of the monthly Uber credits, just add your eligible Amex card as a payment method to your Uber account and pay for any difference between your purchase and the credit with any Amex card. Enrollment is required for select Amex benefits.
Amex Disclosure: To receive $10 monthly credits (up to $120 per year) in Uber Cash, you must add the American Express® Gold Card to your Uber account and select it as the payment method for your Uber or Uber Eats transaction.
- $10 monthly dining credits: The Amex Gold also offers a $120 dining credit, which — in typical American Express fashion — is split into monthly $10 credits. The $10 monthly statement credit is earned when using your Amex Gold at Five Guys, Grubhub, The Cheesecake Factory, Goldbelly, and Wine.com. Enrollment is required for select Amex benefits.
- $25 monthly dining credit: The Marriott Bonvoy Brilliant® American Express® Card offers up to $25 in monthly statement credits for eligible dining purchases for a total of $300 per calendar year. Unlike the Amex Gold dining credit, this dining credit isn't limited to specific merchants.
- $10 monthly wireless credit: Business Platinum Card Members can enroll to get up to a $10 monthly statement credit for wireless telephone service purchases made directly from a wireless provider in the U.S. using your Business Platinum Card.
- $20 monthly digital entertainment credit: Each month, Amex Platinum Card Members get up to $20 in statement credit for digital entertainment services such as Disney+, ESPN+, Hulu, Peacock, The New York Times, and The Wall Street Journal.
- $12.95 monthly Walmart+ credit: Each month, Amex Platinum Card Members get statement credit to cover the monthly ($12.95 + taxes) Walmart+ membership.
- $100 Resy Credit: Amex Gold Card Members get up to $100 in statement credits each calendar year after they pay with their card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That's up to $50 in Resy statement credits semi-annually. Enrollment required.
- $84 Dunkin' Credit: Earn up to $7 in monthly statement credits at Dunkin' after you enroll and pay with the Amex Gold at eligible locations.
Delta Amex cards
In early 2024, Delta's SkyMiles credit cards underwent a major refresh. Consequently, Amex introduced several statement credits to most of Delta's lineup. Here's a by-card breakdown of the ones you need to use monthly, starting with the personal cards:
- Delta SkyMiles® Platinum American Express Card: Up to $120 Resy credit (available as $10 per month) and up to $120 rideshare credit (available as $10 per month).
- Delta SkyMiles® Reserve American Express Card: Up to $240 Resy credit (available as $20 per month) and up to $120 rideshare credit (available as $10 per month).
And for the Delta business cards:
- Delta SkyMiles® Platinum Business American Express Card: Up to $120 Resy credit (available as $10 per month) and up to $120 rideshare credit (available as $10 per month).
- Delta SkyMiles® Reserve Business American Express Card: Up to $240 Resy credit (available as $20 per month) and to $120 rideshare credit (available as $10 per month).
Enrollment is required for select Amex benefits.
Chase
- $5 monthly DoorDash credit: In addition to a complimentary DoorDash DashPass membership, Chase Sapphire Reserve® cardholders receive $5 per month for restaurants. Plus, receive two promos of up to $10 off each calendar month at checkout on grocery, convenience, or other non-restaurant orders on DoorDash.
Airline Fee Statement Credits
The following card products qualify for an annual airline incidental fee credit:
- HSBC Premier World Elite Mastercard® credit card: Up to $400 per year for all airfare, hotels, and car rentals booked through HSBC Travel.
- Crystal® Visa Infinite® Credit Card: $350 airline incidentals credit on U.S. domestic airlines only.
- The Ritz-Carlton™ Credit Card: Up to $300 in airline incidental credits annually.
- Bank of America® Premium Rewards® Elite Credit Card: $300 Airline Incidental Statement Credit per calendar year.
- The Platinum Card® from American Express: $200 Airline Fee Credit per calendar year.
- The Business Platinum Card® from American Express: $200 Airline Fee Credit per calendar year.
- Hilton Honors American Express Aspire Card: $200 Flight Credit per calendar year.
- Bank of America® Premium Rewards® credit card: up to $100 Airline Incidental Statement Credits per calendar year.
- PenFed Pathfinder® Rewards Visa Signature®: $100 annual domestic air ancillary travel statement credit.
- IHG One Rewards Premier Credit Card and IHG One Rewards Premier Business Credit Card: Up to $50 in annual United TravelBank cash — $25 credited around January 1 and valid through July 15 plus $25 credited around July 1 and valid through January 15.
- U.S. Bank FlexPerks® Gold American Express® Card: $25 airline incidentals credit with each redeemed airline award.
Enrollment is required for select Amex benefits.
The intention with an airline fee credit is for cardmembers to receive money back for their incidental purchases while traveling. If a purchase qualifies for the credit, the card issuer automatically credits the account up to the annual limit. Some examples of purchases that typically trigger airline fee statement credits include:
- Phone reservation fees
- Seat assignment fees
- Checked baggage fees
- Overweight or oversized baggage fees
- Airport lounge day passes and memberships
- Change or cancellation fees
- Inflight amenities and entertainment
- Pet fees
American Express airline fee credit details
With American Express, card members need to select their intended airline before making a purchase. Moreover, if a purchase you believe should qualify doesn't automatically credit, some card members have reported success in reaching out to Amex to request a manual credit.
The exception is the updated credit on the Hilton Aspire, which provides up to $50 per quarter (for a maximum of $200 annually) of flight credits when spending directly with airlines or American Express Travel®.
Bank of America airline fee credit details
The Bank of America Premium Rewards Card Airline Incidental Statement Credit works similarly to the Amex credit. However, cardholders don't need to select an airline before purchasing.
Chase airline fee credit details
The Ritz-Carlton Card‘s $300 annual travel credit isn't as easy to use. Not only is it noticeably more restrictive than the credit of its competitors, it's also not automatic. Cardholders need to call the number on their card or send a secure message to Chase to request the credit after making eligible purchases.
With that said, most report that the process is quick and straightforward. Just remember that the credits only apply to eligible purchases that post in a given year, and the card isn't open to new applicants — though you can product change to it from another Marriott Bonvoy credit card issued by Chase.
Related: How Does the Ritz-Carlton Card‘s $300 Annual Travel Credit Work?
The IHG One Rewards Premier Card and the IHG One Rewards Business Card both offer $50 in United TravelBank credit each year after registering and linking your card to your United MileagePlus account.
Each calendar year, you'll receive two biannual $25 United TravelBank credits. One $25 credit expires on January 15, while the other $25 United Travel Bank credit expires on July 15. The $25 credits do not roll over; they're a use-it or lose-it benefit.
HSBC airline fee credits
For the HSBC Premier Mastercard Annual Air Travel Credit, you receive an automatic $100 Travel Credit for every $2,000 in cumulative travel purchases booked through HSBC Travel, up to a maximum of $400 per calendar year.
Hotel Credits
Amex hotel credit
- Amex Platinum: $200 for prepaid select prepaid hotel bookings.
Prepaid bookings through either Fine Hotels + Resorts® or The Hotel Collection (Hotel Collection bookings require a minimum two-night stay to use your $200 credit) can trigger this statement credit. Note that this credit is only available for the personal card and not offered on the Business Platinum Card.
The credit renews each calendar year, but you don’t need to complete your travel in the same year. It's possible to use your 2025 credit to prepay a stay in 2026.
Learn more: How To Use the Amex Platinum Card's $200 Hotel Credit
Chase hotel credit
- Chase Sapphire Preferred® Card: $50 annual statement credit for Chase Travel℠ portal bookings.
The statement credit automatically triggers when you make a prepaid booking through the Chase Travel℠ portal. You'll get your first credit after your first anniversary of holding the card and then again on every cardholder's anniversary after that.
Learn more: How Does the Chase Sapphire Preferred® Card Hotel Credit Work?
General Travel Statement Credit
The following card products qualify for an annual general purpose travel credit:
- U.S. Bank Altitude™ Reserve Visa Infinite® Card: $325 annual travel (or dining) credit.
- Chase Sapphire Reserve®: $300 annual travel credit (based on the calendar year or cardholder year, depending on when you applied).
- Capital One Venture X Rewards Credit Card: $300 annual travel credit per cardmember year.
- Capital One Venture X Business: $300 annual travel credit per cardmember year.
- Citi Prestige® Card: $250 travel credit per calendar year. Note that the Prestige Card is no longer available to new applicants.
How to use these travel statement credits
The Sapphire Reserve gets an asterisk. For those who applied for the card before May 21, 2017, the card's $300 annual travel credit operates on a calendar-year basis. This credit operates on a cardmember-year basis for everyone who's applied since then.
If you applied in the early days of the Sapphire Reserve, be sure to use your travel credit before the end of the year. Thankfully, that shouldn't be too hard, as nearly all travel-related purchases qualify.
The Capital One Venture X and Venture X Business offer a $300 annual travel credit. Cardholders simply apply the credit when booking through the Capital One Travel portal — no enrollment required.
The Prestige Card offers one of the best travel credits in the business. However, this card is no longer open to new applicants. The credit is automatically applied based on the merchant code provided at the time of purchase.
That means practically every travel purchase qualifies, making maximizing this benefit for full value easy. However, your purchase will need to be posted to your account by the close of your December statement to qualify.
Other Benefits To Claim
There are a variety of other miscellaneous card benefits that need to be used, claimed, or utilized in 2025:
- $100 JetBlue Vacations credit: JetBlue Plus Card holders get an annual $100 statement credit for purchasing a JetBlue Vacations package of $100 or more.
- $100 off a Citi Travel hotel booking: Citi Strata Premier℠ Card holders can save $100 on a single hotel stay of $500 or more (excluding taxes and fees) annually on bookings made through CitiTravel.com.
- 10% rebate on redeemed points: Citi Rewards+® Card holders get a 10% rebate on points redeemed each year on the first 100,000 ThankYou® Points per calendar year.
- Delta Stays credits: Several Delta SkyMiles credit cards offer Delta Stays credits that renew every calendar year. Here's the breakdown:
- Delta Gold Card: Up to $100 Delta Stays credit.
- Platinum Delta Amex: Up to $150 Delta Stays credit.
- Delta Reserve: Up to $200 Delta Stays credit.
- Delta Gold Business Amex: Up to $150 Delta Stays credit.
- Delta Business Platinum Amex: Up to $200 Delta Stays credit.
- Business Delta Reserve: Up to $250 Delta Stays credit.
Airline- and Hotel-Specific Card Statement Credits
While we have focused on mid-calendar year benefits, let's review a few cardholder-year-based benefits. Certain airline and hotel credit cards offer a statement credit for purchases made with the airline/hotel:
Southwest Airlines
- Southwest Rapid Rewards® Priority Credit Card: $75 Southwest annual travel credit per cardholder year.
If you don't have any travel plans with Southwest Airlines, you could purchase a $75 Southwest gift card to trigger the credit and then use the gift card in the future. This benefit resets on the cardmember's anniversary rather than on January 1. Now's a good time to check your cardmember anniversary date and make a plan to use the credit.
Hilton
- Hilton Honors American Express Aspire Card: Up to $400 Hilton Resort Statement Credit per cardmember year, available as up to $200 in each half of the year.
- Hilton Honors American Express Surpass® Card: Up to $200 in statement credits at Hilton properties, available $50 per quarter.
- The Hilton Honors American Express Business Card: Up to $240 in statement credits at Hilton properties, available $60 per quarter.
Bottom Line
You don't always need to use 100% of a card's statement credits to justify holding it, but that's a solid goal to shoot for. When maximized, these credits can wipe out a significant portion of a card's annual fee. Some credits are enough to give you more than what you paid to keep that card in your wallet this year, and who wouldn't love to get “paid” for using a credit card?
If you hold any of the cards mentioned above, it's time to get to work using all your statement credits for 2025. It's time to go shopping!
Have we missed any important credit card statement credits? Let us know in the comments!
The comments on this page are not provided, reviewed, or otherwise approved by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.
