How To Use Your Amex Statement Credits [2024]

Updated: March 14, 2024, 9:18am CDT

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How To Use Your Amex Statement Credits [2024]

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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 2024. 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.

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 AmexTravel.com.

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 Plus 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, and the American Express^® Green Card now receive an annual statement credit of up to $189 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 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 Disney+, The Disney Bundle, ESPN+, Hulu, The New York Times, Peacock, and The Wall Street Journal (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). The American Express^® Business Gold Card is also eligible for a Walmart+ credit.

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

FedEx, Grubhub, and Office Supply Store Credit

Cardholders of the Amex Business Gold card can enroll to receive up to $240 back annually ($20 a month) for eligible purchases at FedEx, Grubhub, and office supply stores.

It’s important to note that you won’t receive a $20 statement credit for each type of purchase but rather for each month. So if you’ve received a $20 statement credit for FedEx for the month of March, for instance, you won’t receive a separate $20 statement credit for Grubhub for that month.

Summary of Available Amex Credit Card Statement Credits in 2024

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.

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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 $189 CLEAR Plus Credit: Get up to $189 back per year on your CLEAR Plus membership Up to $100 LoungeBuddy Credit: Get up to $100 back per year on LoungeBuddy purchases
Blue Cash Preferred^® Card from American Express	Up to $120 Equinox+ Credit: Get up to $10 back each month on eligible Equinox+ purchases
American Express^® Business Gold Card	Up to $155 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
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 Plus Credit: Get up to $189 back per year on your CLEAR Plus membership Annual Fee: $695 (rates & fees)
Hilton Honors American Express Aspire Card*	Up to $200 Airline Credit: Get up to $50 per quarter in statement credits at airlines or airline purchases through AmexTravel.com Up to $400 Hilton Resort Credit: Get up to $200 in statement credits for purchases made directly with participating Hilton resorts semi-annually 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 through AmexTravel.com when you pay with your card. Hotel Collection requires a minimum two-night stay. Up to $240 Digital Entertainment Credit: Receive up to $20 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 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 Plus Credit: Get up to $189 back per year on your 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 Annual Fee: $695 (see rates & fees)

*All information about these cards has been collected independently by Upgraded Points.

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 was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The information regarding the 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.
For rates and fees of the Blue Cash Preferred^® Card from American Express, click here.
For rates and fees of the Marriott Bonvoy Brilliant^® American Express^® card, click here.
For rates and fees of the American Express^® Business Gold Card, 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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