What is a statement credit?

A statement credit is essentially the opposite of a payment. It behaves a lot like a refund, but you’re not actually returning anything. Learn more with our ultimate guide to credit card statement credits.

How does an Amex statement credit work?

You need to use your card to earn a statement credit, but you might need to activate it first unless the statement credit is automatic. Then pay for a qualifying purchase using the card for a statement credit. It may take up to 12 weeks for statement credits to post.

What is a $200 statement credit?

A $200 statement credit is a statement credit for a maximum of $200. You get up to $200 back if you make a qualifying purchase. For example, if your purchase is $250, you get $200 back and pay only $50 out of pocket. If your purchase is $150, you get the entire $150 back and still have $50 left over for a future qualifying purchase.

Is an American Express card worth it?

American Express cards are worth it if you can get enough value from the rewards and benefits to offset the annual fee. The issuer offers numerous amazing credit cards.

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How To Use Your Amex Statement Credits in 2025

Updated: October 15, 2025, 12:59pm CDT

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Table of Contents

Key Takeaways
Hotel Credits
CLEAR^® Plus Credit
Airline Fees and Credits
Digital Entertainment Credit
Dining Credits
Uber and Ride-Sharing Credits
Equinox Credits
Walmart+ Credit
Summary of Available Amex Credit Card Statement Credits in 2025
Final Thoughts

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Key Takeaways

American Express statement credits are offered on select cards, providing rebates for specific spending categories such as travel, dining, or shopping.
Some statement credits are automatically applied when qualifying purchases are made, and others might need to be activated.
Statement credits vary by credit card but include airline fees, Uber rides, streaming services, dining, and hotels.

American Express, one of the world’s most recognizable brands, has traditionally appealed to the luxury segment. Its valuable statement credits and benefits underscore that luxury while helping to offset annual fees.

This guide examines Amex statement credits and benefits in 2025, including a broad overview, terms and conditions you need to know, and which cards have statement credits you can use. We also show you how to make the most of each new offer.

Terms may apply, and enrollment may be required through your American Express account.

Hotel Credits

Little kids pool area at Hyatt Ziva Cap Cana water park — Receive Fine Hotels + Resorts benefits and perks at Hyatt Ziva Cap Cana. Image Credit: Katie Seemann

There are several cards that offer hotel credits, though the exact terms of the credit depend on which card you hold.

Cardholders of the Platinum Card^® from American Express and The Business Platinum Card^® from American Express get up to $600 back in statement credits each year on prepaid Fine Hotels + Resorts (FHR) or The Hotel Collection reservations made through AmexTravel.com. You get up to $300 between January and June and $300 between July and December.

Bookings through The Hotel Collection receive premium benefits on stays of at least 2 nights at select properties across the globe.

When booking through Fine Hotels + Resorts, you receive elite benefits and perks at over 1,000 luxury hotels worldwide with no minimum stay requirement.

If you have the Hilton Honors American Express Aspire Card, you have 2 types of hotel credits. If you have the Hilton Aspire card, you can get up to $200 in statement credits semiannually on purchase with Hilton Resorts. You also get up to $100 in on-property credits when you book a 2-night minimum stay at participating Waldorf Astoria Hotels & Resorts and Conrad Hotels & Resorts hotels.

With the Marriott Bonvoy Brilliant^® American Express^® Card, you can get up to a $100 property credit for charges at Marriott, The Ritz-Carlton, or St. Regis. You need to book directly with Marriott using a special rate and stay for at least 2 nights.

Delta’s co-branded American Express cards also offer the ability to unlock hotel statement credits, but you have to use the Delta Stays booking portal. You can get a statement credit each year after using your card to book prepaid hotels or vacation rentals through Delta Stays on delta.com. You get a $100 credit with the Delta SkyMiles^® Gold American Express Card, $150 with the Delta SkyMiles^® Platinum American Express Card or Delta SkyMiles^® Gold Business American Express Card, $200 for the Delta SkyMiles^® Platinum Business American Express Card or Delta SkyMiles^® Reserve American Express Card, or $250 each year with the Delta SkyMiles^® Reserve Business American Express Card.

CLEAR^® Plus Credit

CLEAR Plus TSA PreCheck sign at MCO airport — Clarity. Image Credit: Chris Hassan

CLEAR^® is an expedited security program available at select U.S. airports and stadiums.

Cardholders of the Amex Platinum card, the Amex Business Platinum card, and the American Express^® Green Card* receive an annual statement credit of up to $209 for a CLEAR Plus membership.

Once you enroll for the CLEAR Plus membership, get in the CLEAR lane at available airports. Check in using an iris scan, then proceed through the TSA checkpoint.

*All information about American Express^® Green Card has been collected independently by Upgraded Points.

Airline Fees and Credits

In addition to CLEAR Plus membership, several American Express cards offer statement credits for incidental purchases directly with an airline.

The Amex Platinum card has up to $200 per year in statement credits for incidental travel fees from your selected airline.

The Hilton Aspire card gives up to $50 in statement credits each quarter (up to $200 annually) on flight purchases made directly with an airline or through AmexTravel.com.

The Delta Gold card and Delta Gold Business card both have a $200 Delta flight credit, but only after you spend $10,000 in a calendar year.

Digital Entertainment Credit

Amex Platinum card entertainment — Stay up to date. Image Credit: American Express

If you love to read the news online, watch TV, listen to audiobooks, or listen to satellite radio, your purchases may now be eligible for a new statement credit.

Amex Platinum cardholders can receive up to $300 in annual statement credits for digital entertainment ($25 per month) on eligible purchases or subscriptions. This includes Disney+, the Disney+ Bundle, ESPN+, Hulu, The New York Times, Paramount+, Peacock, The Wall Street Journal, YouTube Premium, and YouTube TV (enrollment required).

New or existing subscribers can pay for the monthly digital subscription with an Amex Platinum card and enjoy the credit.

Those who hold the Blue Cash Preferred^® Card from American Express also have access to a credit for digital streaming services, but the credit on that card is smaller and covers fewer services. You can get a $10 monthly credit for subscriptions to Disney+, the Disney+ Bundle, ESPN+, or Hulu.

Dining Credits

Several American Express cards offer dining and food-related statement credits. Here are some of those credits.

The American Express^® Gold Card offers an up-to-$120 dining credit (up to $10 in statement credits monthly) at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. It also offers a credit of up to $7 per month (up to $84 annually) at U.S. Dunkin’ locations. Enrollment is required.

The dining credit on the Marriott Bonvoy Brilliant card is larger and more widely applicable than the one on the Amex Gold card. Upon enrollment, you can get up to $300 in statement credits per calendar year (up to $25 per month) for eligible purchases at restaurants worldwide.

Another American Express dining credit is with Resy on the Amex Platinum card (up to $100 in statement credits each quarter), Amex Gold card (up to $50 in credits semiannually), and Delta Reserve card (up to $20 each month in statement credits). Enrollment is required separately for each card.

Another set of statement credits that you can earn as an American Express cardmember is credits for ride-sharing with Uber. With the Amex Platinum card, you can get up to $200 Uber Cash for rides or eats orders in the U.S. ($15 each month, plus a bonus $20 in December).

Each of the 6 Delta American Express co-branded cards also offers an Uber benefit for UberOne membership. With the Delta Platinum card and Delta Reserve card, you get a statement credit of $9.99 monthly for up to 12 consecutive months if you use them to pay for an automatically renewing Uber One monthly membership by June 25, 2026. The Delta Gold card and the Delta Gold Business card offer the same credit, but for only 6 months. Amex terms and Uber One Membership terms apply.

The Delta Platinum card, Delta Platinum Business card, Delta Reserve card, and Delta Reserve Business card also offer up to $10 in monthly ride-sharing credits for using them to pay for U.S. ride-sharing purchases with select providers. Enrollment is required.

Equinox Credits

Amex Platinum card at Equinox — Work it out. Image Credit: American Express

Amex Platinum cardholders can receive up to $300 in Equinox credits per year on eligible Equinox memberships when they pay with their card (enrollment required). Users can take classes using their at-home SoulCycle bike, follow workout videos, relax with PURE Yoga, and more.

Visit a club for membership details or start your monthly digital subscription using the Equinox+ Amex landing page and pay with your eligible Amex card.

Walmart+ Credit

Walmart+ is Walmart’s subscription service, offering free shipping with no order minimums, discounts at the pharmacy, gas discounts, free delivery, and more.

Amex Platinum cardholders receive a monthly statement credit for the monthly Walmart+ membership ($12.95 plus applicable taxes). The American Express^® Business Gold Card is also eligible for a Walmart+ credit.

If you shop with Walmart, you can easily use this credit for benefits in person or online. You can also take advantage of the gas discounts, as Walmart+ members can save 10 cents per gallon on fuel at Walmart, Murphy, Exxon, and Mobil stations.

Summary of Available Amex Credit Card Statement Credits in 2025

Let’s take a look at the full gamut of statement credits that renew annually for Amex cardholders. We’ve included credits that are an automatic benefit of the cards and not those that require a certain threshold of spending, though some do require enrollment.

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American Express Card	Statement Credit
American Express^® Gold Card	Up to $120 in Uber Cash: Add your Amex Gold card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S. Enrollment is required. Up to $120 in dining credit: Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Enrollment is required. New Resy dining credit: $100 annual statement credit ($50 semiannually), redeemable at any U.S. Resy restaurant and other eligible Resy purchases. Enrollment is required through your Amex account. New Dunkin’ credit: $84 annual statement credit ($7 per month), redeemable at U.S. Dunkin’ locations. Enrollment is required. Annual fee: $325 (rates & fees)
American Express^® Green Card*	Up to $209 in CLEAR Plus credit: Get up to $209 back per year on your CLEAR Plus membership
Blue Cash Preferred^® Card from American Express	Up to $120 Disney streaming credit: Receive up to $10 back each month when you pay for eligible purchases of one or more of Disney+, The Disney+ Bundle, ESPN+, Hulu. Enrollment is required.
American Express^® Business Gold Card	Up to $155 in Walmart+ credit: Use your card for a monthly Walmart+ membership and get the full cost back each month Up to $20 in monthly credits for eligible U.S. purchases at FedEx, Grubhub, and office supply stores. Enrollment is required.
The Business Platinum Card^® from American Express	Up to $200 in airline fee credit: Get up to $200 per year in statement credits for incidental travel fees from your selected airline Up to $1,150 in Dell credit: Receive up to $150 in statement credits annually and an additional $1,000 in statement credits by spending $5,000 or more on U.S. Dell purchases Up to $600 in hotel credit: Get $200 back in statement credits each year on prepaid Fine Hotels + Resorts or The Hotel Collection bookings through AmexTravel.com when you pay with your card. Receive $300 from January to June and another $300 from July to December Up to $360 in Indeed credit: Receive up to $90 in statement credits per quarter upon enrollment Up to $250 in Adobe credit: Get $250 per year upon enrollment for U.S. Adobe purchases when spending $600 or more Up to $120 in wireless credit: Receive up to $10 in statement credits per month for wireless telephone services purchased with your card. Enrollment required Up to $209 in CLEAR Plus credit: Get up to $209 back per year on your CLEAR Plus membership Up to $200 in Hilton statement credit. Once you enroll, you’ll receive up to $200 in Hilton statement credits per calendar year — up to $50 per quarter. Purchases must be made directly with a property in the Hilton portfolio on your Amex Business Platinum card, and a Hilton for Business membership is required. Annual Fee: $895 (rates & fees)
Hilton Honors American Express Aspire Card	Up to $200 in airline credit: Get up to $50 per quarter in statement credits at airlines or airline purchases through AmexTravel.com. Up to $400 in Hilton resort credit: Get up to $200 in statement credits for purchases made directly with participating Hilton resorts semiannually. Up to $100 in Hilton property credit: Book a 2-night minimum stay at hiltonhonorsaspirecard.com and get up to $100 in credits for qualifying charges at participating Waldorf Astoria Hotels & Resorts and Conrad Hotels & Resorts.
Marriott Bonvoy Brilliant^® American Express^® Card	Up to $25 in monthly dining credit: Get up to $300 in statement credits per calendar year upon enrollment (up to $25 per month) for eligible purchases at restaurants worldwide. Up to $100 in Marriott Bonvoy property credit: Receive up to a $100 property credit for charges at Marriott, The Ritz-Carlton or St. Regis when you book direct using a special rate for a 2-night minimum stay.
Platinum Card^® from American Express	Up to $200 in airline fee credit: Get up to $200 per year in statement credits for incidental travel fees from your selected airline. Up to $600 in hotel credit: Get $200 back in statement credits each year on prepaid bookings at Fine Hotels + Resorts or The Hotel Collection through AmexTravel.com when you pay with your card. Receive $300 from January to June and another $300 from July to December. The Hotel Collection requires a minimum 2-night stay. Up to $300 in digital entertainment credit: Receive up to $25 back each month when you pay for eligible purchases at one or more of Disney+, The Disney+ Bundle, ESPN+, Hulu, The New York Times, Peacock, and The Wall Street Journal. Enrollment is required. Up $155 in Walmart+ credit: Use your card for a monthly Walmart+ membership and get the full cost back each month. Up to $200 in Uber Cash: Receive $15 in Uber Cash each month, plus a bonus $20 in December for rides or eats orders in the U.S. Up to $400 in Resy credit: Get up to $100 in statement credits each quarter on dining purchases with Resy. Enrollment is required. Up to $300 in Equinox credit: Get up to $300 back each year on eligible Equinox memberships upon enrollment. Up to $300 in lululemon credit: Get up to $300 back each year (up to $75 each quarter) on eligible lululemon purchases. Enrollment is required. Up to $200 in Oura Ring credit: Get up to $200 back each calendar year when you purchase an Oura Ring at Ouraring.com. Enrollment is required. Up to $209 in CLEAR Plus credit: Get up to $209 back per year on CLEAR Plus membership. Up to $100 Saks Fifth Avenue credit: Receive up to a $50 statement credit from January through June and up to a $50 statement credit from July through December. Enrollment is required. Annual fee: Annual Fee: $895 (rates & fees)
Delta SkyMiles^® Gold American Express Card	$200 Delta flight credit after spending $10,000 in a calendar year $9.99 credit for 6 months on an UberOne membership
Delta SkyMiles^® Gold Business American Express Card	$200 Delta flight credit after spending $10,000 in a calendar year $9.99 credit for 6 months on an UberOne membership
Delta SkyMiles^® Platinum American Express Card	$9.99 credit for 12 months on an UberOne membership Up to $10 in monthly ride-sharing credits upon enrollment
Delta SkyMiles^® Platinum Business American Express Card	$9.99 credit for 12 months on an UberOne membership Up to $10 in monthly ride-sharing credits upon enrollment
Delta SkyMiles^® Reserve American Express Card	$240 Resy credit: When you use your Delta SkyMiles^® Reserve American Express Card for eligible purchases with U.S. Resy restaurants, you can earn up to $20 each month in statement credits. Enrollment is required. $9.99 credit for 12 months on an UberOne membership Up to $10 in monthly ride-sharing credits upon enrollment
Delta SkyMiles^® Reserve Business American Express Card	$9.99 credit for 12 months on an UberOne membership Up to $10 in monthly ride-sharing credits upon enrollment

*All information about the American Express^® Green Card has been collected independently by Upgraded Points.

Final Thoughts

Amex statement credits are a nice addition to its already popular lineup of credit card perks.

Whether you get credits for dining, airline incidental fees, prepaid hotels, Walmart+ service, or leveling up your fitness membership game, you’ll likely be able to extract solid value from these statement credits each year.