How To Use Your Amex Statement Credits [2023]

American Express, one of the world’s most recognizable brands, has traditionally appealed to the luxury segment, and around a third of its cardholders’ spending is typically on travel or entertainment.

All of this started plummeting at the onset of the COVID-19 pandemic, and American Express identified that consumer spending patterns were beginning to shift dramatically. As a result, it introduced a slew of valuable statement credits and benefits, mostly to help offset annual fees and to continue to retain customers.

In this guide, we’ll examine the statement credits and benefits that are still valid in 2023. We’ll start with a broad overview of the specific statement credit or benefit, discuss the terms and conditions, and then highlight which cards are eligible for it. We’ll also show you how you can make the most out of each new offer.

Note that terms may apply and enrollment may be required through your American Express account.

Table of contents

Prepaid Hotel Credit
CLEAR Credit
Digital Entertainment Credit
Equinox Credits
Walmart+ Credit
Adobe Credit
Indeed Credit
Wireless Credit
Summary of Available Amex Credit Card Statement Credits in 2023
Final Thoughts

Table of Contents

Prepaid Hotel Credit
CLEAR Credit
Digital Entertainment Credit
Equinox Credits
Walmart+ Credit
Adobe Credit
Indeed Credit
Wireless Credit
Summary of Available Amex Credit Card Statement Credits in 2023
Final Thoughts

Prepaid Hotel Credit

Enjoy Fine Hotels & Resorts benefits and perks at Hyatt Ziva Cap Cana. Image Credit: Hyatt

Cardholders of The Platinum Card® from American Express will get up to $200 back in statement credits each year on prepaid Fine Hotels & Resorts (FHR) or The Hotel Collection reservations made through American Express Travel.

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’ll receive elite benefits and perks at over 1,000 luxury hotels worldwide, but with no minimum stay requirement.

CLEAR Credit

CLEAR Kiosk Agent Passenger — Image Credit: CLEAR

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

Cardholders of the Amex Platinum card, The Business Platinum Card® from American Express, Centurion® Card from American Express, and the American Express® Green Card now receive an annual statement credit of up to $189 for a CLEAR membership.

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

Digital Entertainment Credit

Amex Platinum card entertainment — Image Credit: American Express

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

Amex Platinum cardholders can receive up to $240 in annual statement credits for digital entertainment ($20 per month) on eligible purchases or subscriptions for Audible, Disney+, The Disney Bundle, ESPN+, Hulu, Peacock, SiriusXM, and The New York Times (enrollment required).

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

Equinox Credits

Amex Platinum card at Equinox — 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.

The Blue Cash Preferred® Card from American Express offers a $10 monthly Equinox+ credit for purchases in the Equinox+ by Equinox app.

Walmart+ Credit

Walmart+ is Walmart’s subscription service that offers 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).

If you’re a big shopper at Walmart, it’s easy to get great use out of this. Just shop at Walmart and utilize your extra benefits, whether you’re shopping in-person or online. You can also take advantage of the gas discounts available. Walmart+ members can save 10¢ per gallon on fuel at Walmart, Murphy, Exxon, and Mobil stations.

Adobe Credit

Amex Business Platinum Card Photographer — Image Credit: American Express

Adobe is one of the world’s largest software companies in the world, offering a host of marketing and document management software, including Adobe Acrobat and Creative Cloud.

Currently, those who have the Amex Business Platinum card are eligible for up to $150 in statement credits per year on annual prepaid subscriptions for Creative Cloud All Apps or Single Apps for Teams or Acrobat Pro DC with E-Sign or advanced E-Sign for Teams.

The best way to maximize this credit is to pick the subscription option that fits your business’s needs. Remember, monthly plans do not qualify, only annual prepaid plans.

Indeed Credit

Indeed is an online employment website where you can post jobs as an employer.

With the Amex Business Platinum card, you can get up to $90 back per quarter (up to $360 per year) for purchases with Indeed.

Wireless Credit

Woman in business office — Image Credit: American Express

One of the statement credits introduced at the beginning of the COVID-19 pandemic was for wireless statement credits, and Amex has decided to make this a permanent perk available to Amex Business Platinum cardholders.

In total, you can get up to $120 in statement credits every year for wireless telephone service purchases made directly from a wireless provider in the U.S. It’s split into monthly statement credits of up to $10 each. Enrollment is required.

The best way to qualify for this credit is to charge your wireless telephone bill to the card.

What doesn’t count are:

Bundled services
Cellular repair services
Electronics purchases
Hardware purchases
Purchases from authorized retailers, resellers, or third-party sellers
VoIP services

Summary of Available Amex Credit Card Statement Credits in 2023

While we’ve reviewed the newest credits that Amex added in 2021, 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.

American Express Card	Statement Credit
American Express® Gold Card	Up to $120 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. Up to $120 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, Milk Bar and select Shake Shack locations. Enrollment required.
American Express® Green Card	Up to $100 CLEAR Credit: Receive up to $100 per calendar year in statement credits when you pay for your CLEAR membership with your card Up to $189 Statement Credits for Lounge Access: Use the Amex Green card to purchase lounge access through LoungeBuddy and receive up to $189 in statement credits per calendar year
Blue Cash Preferred® Card from American Express	Up to $120 Equinox+ Credit: Get up to $10 back each month on eligible Equinox+ purchases
Business Centurion® Card from American Express	Up to $200 Airline Fee Credit: Get up to $200 per year in statement credits when incident travel fees on your selected airline are charged Up to $1,000 Saks Fifth Avenue Credit: Cardmembers receive up to $250 in quarterly statement credits Up to $189 CLEAR Credit: Get up to $189 back per year on your CLEAR membership Equinox Destination Access Membership: Get up to $300 back per month on your membership
The Business Platinum Card® from American Express	Up to $200 Airline Fee Credit: Get up to $200 per year in statement credits when incident travel fees on your selected airline are charged Up to $400 Dell Credit: Receive up to $200 in statement credits between January and June and up to $200 in statement credits between July and December Up to $360 Indeed Credit: Receive up to $90 in statement credits per quarter Up to $150 Adobe Credit: Get up to $150 per year for select subscription purchases with Adobe Up to $120 Wireless Credit: Receive up to $10 in statement credits per month for wireless telephone services purchased with your card Up to $189 CLEAR Credit: Get up to $189 back per year on your CLEAR membership Annual Fee: $695 (see rates and fees)
Centurion® Card from American Express	Up to $200 Airline Fee Credit: Get up to $200 per year in statement credits when incident travel fees on your selected airline are charged Up to $1,000 Saks Fifth Avenue Credit: Cardmembers receive up to $250 in quarterly statement credits Up to $189 CLEAR Credit: Get up to $189 back per year on your CLEAR membership Equinox Destination Access Membership: Get up to $300 back per month on your membership
Hilton Honors American Express Aspire Card	Up to $250 Airline Fee Credit: Get up to $250 per year in statement credits when incident travel fees on your selected airline are charged Up to $250 Hilton Resort Credit: Get up to $250 in statement credits for purchases made directly with participating Hilton resorts Up to $100 Hilton On-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 Monthly Dining Credit: Get up to $300 in statement credits per calendar year (up to $25 per month) for eligible purchases at restaurants worldwide. Up to $100 Marriott Bonvoy Property Credit: Receive up to a $100 property credit for charges at The Ritz-Carlton or St. Regis when you book direct using a special rate for a 2-night minimum stay
The Platinum Card® from American Express	Up to $200 Airline Fee Credit: Get up to $200 per year in statement credits when incident travel fees on your selected airline are charged Up to $200 Hotel Credit: Get $200 back in statement credits each year on prepaid Fine Hotels & Resorts or The Hotel Collection bookings, which requires a minimum 2-night stay, through American Express Travel when you pay with your card. Up to $240 Digital Entertainment Credit: Receive up to $20 back each month when you pay for eligible purchases at one or more of Audible, Disney+, The Disney Bundle, ESPN+, Hulu, Peacock, SiriusXM, and The New York Times. Enrollment required. Up to $155 Walmart+ Credit: Use your card for a monthly Walmart+ membership and get the full cost back each month Up to $200 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 $300 Equinox Credit: Get up to $300 back each year on eligible Equinox memberships Up to $189 CLEAR Credit: Get up to $189 back per year on your CLEAR 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 Annual Fee: $695 (see rates and fees)

Final Thoughts

The statement credits that American Express has continued to offer are a nice addition to its already popular lineup of credit card perks.

Whether it’s using Amex Offers to maximize value on Walmart+ purchases, wireless providers, or Adobe subscriptions, or up-leveling your fitness membership game, you’ll likely be able to extract solid value from these statement credits each year.

The information regarding the American Express® Green Card, Business Centurion® Card from American Express, Centurion® Card from American Express, and Hilton Honors American Express Aspire Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.

For rates and fees of The Platinum Card® from American Express, click here.
For rates and fees of The Business Platinum Card® from American Express, click here.

Featured Image Credit: Upgraded Points

Frequently asked questions

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. It’s basically free money!

Learn more with our ultimate guide to credit card statement credits.

How does an Amex statement credit work?

In order to use a statement credit, you need to use your card. Before that, you might need to activate a statement credit. Sometimes, however, the statement credit is automatic. In that case, all you need to do is pay for a qualifying purchase using the card to get 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 simply a statement credit for a maximum of $200. This means that if you make a qualifying purchase, you’ll get up to $200 back.

For example, if your purchase is $250, you’ll get $200 back and pay only $50 out of pocket. If your purchase if $150, you’ll get the entire $150 back and usually still have $50 left over for a future qualifying purchase.

Is an American Express card worth it?

American Express forms one of the cornerstones of credit card rewards. It has so many amazing credit cards, so it is absolutely worth it to get an Amex card.

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About Stephen Au

Born and raised in Los Angeles, Stephen has been privileged to enjoy many premium cabin products and 5-star hotels. As one of the foremost experts in credit cards, over the past 4 years, he has amassed a portfolio of over 70 credit cards, both personal and business. Stephen has personally tested, first-hand, almost every major rewards credit card on the market today, spanning banks such as American Express, Bank of America, Barclays, Brex, Capital One, Chase, Citi, City National Bank, U.S. Bank, and more.

Disclaimer: Any comments listed below are not from the bank advertiser, nor have they been reviewed or approved by them. No responsibility will be taken by the bank advertiser for these comments.

25 comments

Chris Usita May 10, 2020

Hi Stephen,
This was posted in one of the Forbes article on May 4, 2020.

“American Express Announces Major Changes Due To Coronavirus”

“As a reminder, each Card Account is eligible for up to $50 in additional statement credit between May and June 2020 and $50 in additional statement credits between July and December 2020 on purchases with Saks Fifth Avenue. This includes online purchases.”

It is someone’s article but just wondering if you’ve heard this info. Thank you and stay safe!

Sincerely,
Chris U

Reply
- Jarrod West May 11, 2020
  
  Hi Chris,
  
  I have just spoken with an American Express representative and they have informed me that the Forbes article is not accurate. American Express is not offering additional Saks Fifth Avenue statement credits.
  
  Thanks for reading!
  
  Reply
Casey May 12, 2020

Heads up, whoever wrote this article got the Amex business platinum card information regarding a $20 streaming credit wrong. I looked at Amex’s press release and there is nothing about that anywhere and we all know how damaging fake news can be so please correct this as soon as possible. I even asked DOC and they said the same thing it’s likely wrong unless you have a source that knows more than Amex has released. And if it’s true please confirm cause I would love to use it.

Thanks

Reply
- Jarrod West May 12, 2020
  
  Hi Casey,
  
  You are correct, the Business Platinum card does not offer a streaming credit. I’ve correct the post to remove that information. Thank you for pointing this out!
  
  Reply
  - G March 9, 2021
    
    Is the $250 Hilton Aspire credit still usable for dining?
    
    Reply
    - Jarrod West March 9, 2021
      
      Hi G,
      
      Unfortunately not. However, Amex has added a $20 monthly dining credit to the Hilton Aspire card that you can access via your Amex Offers.
      
      Reply
Joe D May 21, 2020

Does Ship credit apply with eBay ship? PayPal is intermediary before you choose FedEx/USPS etc

Reply
- Stephen Au May 30, 2020
  
  Hi Joe,
  
  It may or may not work. It’s worthwhile to try. If you don’t get the credit posted, please reach out to Amex to get clarification on manually applying the shipping statement credit.
  
  Reply
Kim June 7, 2020

Can the AE Business Platinum shipping credit be used to purchase stamps at the USPS?

Reply
- Jarrod West June 8, 2020
  
  Hi Kim,
  
  Yes, the shipping credit can be used to purchases stamps through USPS.
  
  Thanks for reading!
  
  Reply
CLA July 18, 2020

What is the shipping credit? I looked but did not see that information.

Reply
- Jarrod West July 20, 2020
  
  Hi CLA,
  
  The shipping credit is $20 per month for Amex Business Platinum cardholders.
  
  Reply
JK February 8, 2021

Lost the Blue Nile Amex offer of $150 credit for $700 purchase good until 2/16/21. Can no longer find it on my Amex offers section. Any thoughts how to get this back?

Reply
- Jarrod West February 8, 2021
  
  Hi JK,
  
  Did you add it to one of your cards already? In that case, it will show up under “added to card” offers. If not, send a message to American Express and see if they can check to see if the offer is still available to you.
  
  Reply
JK February 8, 2021

Does the Amex $20 a month wireless phone credit go beyond 12/2020 and extend into 2021? I read earlier that this ended 1/1/21?

Reply
- Jarrod West February 8, 2021
  
  Hi JK,
  
  Unfortunately, the monthly wireless credit ended at the end of 2020.
  
  Reply
Ronald Taylor June 9, 2021

I’m looking for the right card. Considering the Blue Cash Preferred card. the Gold card or perhaps the Blue Business card. I do buy a lot of groceries well for mr anyway, about a 120.00 per week. I used to eat out a lot but only about 30.00 a day. I also have a small business and my largest single purchase is between $7,000.00 and $8,000.00 at a time every 3 to 5 months, also some smaller purchases at other vendors. Any suggestions?

Reply
- Jarrod West June 15, 2021
  
  Hi Ronald,
  
  If you prefer to earn rewards as cash-back then I would go for the Blue Cash Preferred card. If you prefer to earn transferable points towards travel then I would select the Amex Gold card. Both will be great options for maximizing your grocery spend.
  
  Reply
Cranky Point Hoarder July 5, 2021

The new digital entertainment credit is incredibly lame IMHO. It’s a subsidy for the New York Times and Audible and Peacock and Sirius. All of these things are D-list offerings. There’s nothing that most people would even want and certainly not that most people are already paying for.

Credits people would actually use: Netflix, Hulu, Spotify, HBO Max, Disney+. I mean, it might entice somebody to sign up for something they didn’t already have – but I am aware of all of these offerings and would barely use them each if they were ALL free.

I can’t even figure out who is bribing who. Do these partners pay Amex? Or is it the other way around? How or why is this profitable? I have no idea but I don’t need this credit card.

Reply
Amex user September 18, 2021

I have the Amex Surpass card and have been successfully using the $10 dining credit each month since that promotion started in February. I logged into my Surpass account in the last day or two and noticed that under “Amex Offers & Benefits”, the dining credit promotion is no longer listed under “Added to Card” (and isn’t listed under “Available” either). It seems to me that Amex might have ended its promotion earlier than originally advertised (it was supposed to run through the end of the year). Has anyone else noticed this?

Reply
- Amex user September 21, 2021
  
  Update: Without my taking any action, the $10 credit was applied a couple of days later and the dining credit promotion also reappeared under “Added to Card.” So it appears to have been a temporary glitch.
  
  Reply
Neal Howard January 16, 2022

I have a Delta Gold AMEX and a Bonvoy AMEX. Both cards had a $10/month dining credit in 2021. Do you know if they have discontinued the offer for 2022? I can’t get answer to the question with AMEX Chat.

Reply
- Jarrod West January 17, 2022
  
  Hi Neal,
  
  As far as I know, both of those credits were discontinued at the end of 2021.
  
  Reply
William C July 13, 2022

Hey Jarrod,

I’m new with Amex. I recently got a Gold Card and on my first statement it shows a $110 credit on my statements. I read the rewards again and I don’t quite understand where this money came from. I’m not complaining, it’s $110 less that I have to pay. But where did it come from? Should I expect it in the future?

P.S: I also did get the 75k points with the new card.

Reply
- Jarrod West July 15, 2022
  
  Hi William,
  
  Did your welcome offer include a 20% rebate on restaurant spend for the first 6 months?
  
  Reply

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