How To Use the New American Express Statement Credits [2021]

American Express online shopping packing for travel business owner
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American Express is one of the world’s most recognizable brands. American Express has traditionally appealed to the luxury segment, and around a third of its cardholders’ spending was on travel or entertainment. All of this started plummeting at the onset of the COVID-19 pandemic. American Express has, yet again, swooped in with valuable benefits to save the day.

American Express has identified that consumer spending patterns are beginning to shift dramatically, and it has introduced a slew of perks. Of these perks, Amex has begun to offer new types of statement credits and benefits, mostly to help offset the annual fee and to continue to retain customers.

In this guide, we’ll examine the statement credits and benefits valid in 2021. As these continue to be added, we will regularly update this guide to reflect that. Note that terms may apply and enrollment may be required through your American Express account. Currently, you can expect these statement credits and perks in 2021:

  • Amex Offers statement credits for dining and wireless
  • Uber Eats Pass
  • Prepaid hotel credit
  • CLEAR credit
  • Digital entertainment credit
  • Equinox credits

We’ll start with a broad overview of the specific statement credit or benefit, discuss the terms and conditions, and then highlight which cards receive it. We’ll also show you how you can make the most out of each new offer.

Amex Offers Dining Statement Credits

Marriott Bonvoy Brilliant American Express Card
Image Credit: American Express

Amex has gone full-steam ahead with its new statement credits specifically for co-branded personal credit cards. This should not be confused with the dining credit offered by the Amex Gold card.

Depending on which credit card you have, you can get $5 to $20 in monthly dining statement credits!

To enroll, you’ll just need to visit the Amex Offers section of each eligible credit card and click Add to Card as shown here:

Amex Offers Dining Credits
Image Credit: American Express

Cards With Amex Offers Dining Credits

Amex Offers Dining Credits Details

When Are These Credits Valid?

These are statement credits offered each calendar month between February 2021 through December 2021 (up to 11 months per card).

To be eligible, you must be a cardmember prior to January 1, 2021. Lastly, enrollment is required via Amex Offers.

What Purchases Qualify for the Credit?

Any purchases at U.S. restaurants, whether that’s for dine-in, takeout, or delivery, will qualify for the credit.

Best Ways To Maximize Amex Offers Dining Credits

The best way to maximize these dining credits is to have a meal on Amex! Simply use your card at any U.S. restaurant and you should see the statement credit on your account within a few weeks.

Amex Offers Wireless Statement Credits

2 men at home with phone
Image Credit: Gorodenkoff via Adobe Stock

Amex has also revealed a monthly wireless statement credit ranging from $5 to $20, depending on which card you have.

This is an enrollment-required benefit you need to activate to access. To enroll, just visit the Amex Offers area of the eligible credit card and click Add to Card under the offer that looks like this:

Amex Offers Wireless Credits
Image Credit: American Express

Cards With Amex Offers Wireless Credits

Amex Offers Wireless Credits Details

When Are These Credits Valid?

The wireless statement credits are valid from February to December 2021, up to 11 months per card.

You must have had your card before January 1, 2021 (new cardmembers aren’t eligible) to access these credits. You must also activate this credit for every eligible card to get the statement credits via Amex Offers.

What Purchases Qualify for the Credit?

Purchases at U.S. wireless telephone service providers qualify for the purchase, and this excludes:

  • Purchases from authorized retailers, resellers, or third-party sellers
  • Purchases for hardware (e.g phones and accessories) or repair services
  • Bundled services offered by wireless companies for TV, internet, and VoIP
  • VoIP (Voice Over Internet Protocol) services

Some of the major merchants that would qualify are:

  • AT&T
  • Sprint
  • T-Mobile
  • Verizon

Some of the major merchants that would not qualify are:

  • Authorized retailers or resellers (e.g. Spring Communications, Wireless Zone)
  • Superstores (e.g. Walmart, and Target)
  • Electronics stores (e.g. Best Buy, Staples)

Best Ways To Maximize Amex Offers Wireless Credits

The single best way to maximize this wireless credit is to make payments to your phone bill.

If you have a traditional cellular plan, you will probably qualify for the wireless credits!

Complimentary Uber Eats Pass

Uber Eats
Image Credit: DELBO ANDREA via Shutterstock

Amex has decided to work with its rideshare partner Uber to offer one of the best food delivery subscriptions for free to select cardholders!

Cards With Complimentary Uber Eats Pass

Amex Platinum Card

The Amex Platinum card is absolutely filled with benefits, and this is just the icing on the cake.

American Express® Gold Card

The Amex Gold card is one of our favorites for dining and groceries/supermarkets, and the Uber Eats Pass complements this perfectly!

American Express® Green Card

The Amex Green card can earn you up to 3x points at restaurants worldwide and all eligible travel purchases. This is an exceptional card with tons of benefits for a small price tag.

If you have the consumer cards above, you will have 12 months of complimentary access to Uber Eats Pass!

Complimentary Uber Eats Pass Details

Your complimentary Uber Eats Pass, valued at $10 per month. You will get 12 months of complimentary Uber Eats Pass membership when you add your eligible Amex card to your Uber Eats wallet.

When is this Benefit Valid?

This benefit is valid for 12 months after you enroll. You can enroll until December 31, 2021. That means it’s possible to get this benefit all the way until December 31, 2022 (1 year after the latest enrollment date).

Prepaid Hotel Credit

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

Amex Platinum cardholders will receive up to a $200 statement credit on select prepaid hotel bookings.

Cards With Prepaid Hotel Credits

Amex Platinum Card

Amex Platinum cardholders can receive up to $200 in prepaid hotel credit.

Prepaid Hotel Credit Details

When Are These Credits Valid?

This is a new annual benefit with the Amex Platinum card.

What Purchases Qualify for the Credit?

Prepaid bookings at Fine Hotels & Resorts or The Hotel Collection made via Amex Travel.

Best Ways To Maximize Prepaid Hotel Credits

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. Amex Platinum cardholders now receive an annual statement credit for a CLEAR membership.

Cards With CLEAR Credits

Amex Platinum Card

Amex Platinum cardholders receive a $179 credit for a standard CLEAR membership.

CLEAR Credit Details

When Are These Credits Valid?

This is a new annual benefit with the Amex Platinum card.

What Purchases Qualify for the Credit?

A standard CLEAR membership.

Best Ways To Maximize CLEAR Credits

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!

Cards With Digital Entertainment Credits

Amex Platinum Card

Amex Platinum cardholders can receive up to $240 in annual statement credits ($20 per month) on eligible purchases or subscriptions.

Digital Entertainment Credit Details

When Are These Credits Valid?

This is a new annual benefit with the Amex Platinum card.

What Purchases Qualify for the Credit?

Eligible purchases or subscriptions with Peacock, Audible, SiriusXM, and The New York Times.

Best Ways To Maximize Digital Entertainment Credits

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

Equinox Monthly Credits

Amex Platinum card at Equinox
Image Credit: American Express

Cardholders will receive an annual statement credit (credited as $25 per month) when they buy select Equinox Fitness Club monthly memberships or subscribe to Equinox+.

Equinox+ is an on-demand virtual fitness app; users can take classes using their at-home SoulCycle bike, follow workout videos, relax with PURE Yoga, and more.

Cards With Equinox Credits

Amex Platinum Card

Amex Platinum cardholders can receive up to $25 Equinox monthly credits.

Equinox Credit Details

When Are These Credits Valid?

This is a new annual benefit with the Amex Platinum card.

What Purchases Qualify for the Credit?

Select Equinox Fitness Club monthly memberships or a monthly Equinox+ subscription.

Best Ways To Maximize Equinox Credits

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

Statement Credits and Benefits 2020-2021 Reference Table

Amex first introduced enhanced statement credits in 2020 in response to the COVID-19 pandemic’s effect on consumer and business spending. These credits provided cardholders with reduced fees on content consumption via the streaming credit, an offset of their phone bill via the wireless credit, or an upgrade to their home or business via the increased Dell credit, as well as other benefits.

BenefitApplicable Card(s)AmountValidity
PayPal creditAmex Platinum card$30 per monthJanuary to June 2021
Amex Offers retail creditAmex Platinum cardVaried by retailerJanuary to June 2021
5x points for wireless, shipping, advertising, gas, officeAmex Business Platinum cardUp to 80,000 points in each categoryJanuary to June 2021
Up to $250 in statement creditsAmex Blue Business Plus cardSpend $500 or more in a single eligible transaction and get $25 back as a statement credit up to 10xJanuary to June 2021
Shipping creditAmex Business Platinum card$20 per monthMay to December 2020
Streaming creditAmex Platinum card$20 per monthMay to December 2020
Wireless creditAmex Business Platinum card$20 per monthMay to December 2020
Amex Platinum card$20 per month
American Express® Green Card$10 per month
Increased Dell creditAmex Business Platinum cardAdditional $100 credit across 2 time periodsMay 1 to June 30, 2020, and July 1 to December 31, 2020
Expanded dining creditsMarriott Bonvoy Brilliant™ American Express® Card$300 Marriott Bonvoy credit could be used for dining at restaurants or takeout June to August 2020
Hilton Honors American Express Aspire Card$250 resort fee credit could be used for dining at restaurants or takeout

Final Thoughts

These new, increased, and expanded statement credits that American Express has begun offering are a nice addition. American Express recognizes that there’s not going to be a whole lot of travel during this period, so it’s widened the perks it offers.

Whether it’s checking out with PayPal, using Amex Offers to maximize value at restaurants, wireless providers, or online retailers, or getting free delivery on your next Uber Eats order, you’ll probably be able to extract solid value from your American Express card during these times.


The information regarding the American Express Green Card and Hilton Honors American Express Aspire Card was independently collected by Upgraded Points and was 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 American Express® Gold Card, click here.
For rates and fees of the Blue Cash Preferred® 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 Business® Plus Credit Card from American Express, click here.


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 leftover 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.

Stephen Au

About Stephen Au

Born and raised in Los Angeles, Stephen has been privileged to enjoy many premium cabin products and 5-star hotels. A petroleum engineer by trade, Stephen caught the travel bug in college when he traveled to Asia several times. After 2 years of continual promotions, Stephen quit his safe and secure career path in favor of entrepreneurship.

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21 comments

  1. 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

    • 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

  2. 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

    • 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

      • Is the $250 Hilton Aspire credit still usable for dining?

        Reply

        • 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

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

    Reply

    • 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

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

    Reply

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

    Reply

  6. 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

    • 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

  7. 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

  8. 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

    • 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

  9. 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

  10. 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

    • 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

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