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How To Claim Missing Amex Statement Credits [2024]

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Ehsan Haque
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Ehsan Haque

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Ehsan is an avid traveler who has traveled to 100 countries, diligently using points and miles to fund his journeys. Currently, he holds 32 active credit cards and earns over a million points and mile...
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A long-time points and miles student, Jessica is the former Personal Finance Managing Editor at U.S. News and World Report and is passionate about helping consumers fund their travels for as little ca...
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Travel rewards credit cards can offer a ton of value, though most of these cards have an annual fee. Many cards offer statement credits that help offset the annual fee, with credits on your account automatically after you make an eligible purchase. No issuer offers statement credits quite like American Express.

If you have multiple cards, keeping track of the numerous credits available can be difficult. Or maybe you carry a card with multiple statement credits, like The Platinum Card® from American Express. Though credits are available, you may forget to use them. Other times, credits may not post correctly.

In this guide, you’ll see how to claim missing statement credits from American Express.

Does Your Card Qualify for a Statement Credit?

Although your card may be eligible for a statement credit, you may have to follow some steps to receive that credit. Often, you must enroll for the benefit before receiving a credit.

Let’s use the Amex Platinum card as an example. In addition to all the top-notch benefits the Amex Platinum card offers, the card also provides numerous credits to offset its substantial $695 annual fee (rates & fees).

Some of the many Amex Platinum card credits include:

You must first enroll in the benefit to receive many of the Amex Platinum card credits. If you didn’t enroll in the benefit before your purchase or don’t meet the purchasing conditions, you won’t receive the applicable statement credit.

However, sometimes, an expected statement credit doesn’t post even after you’ve done everything correctly. That’s when it’s time to contact American Express.

Hot Tip:

Check out our updated guide on how to use your Amex statement credits.

How To Claim Missing Amex Statement Credits

If you’ve verified that you enrolled in a program and are eligible for a statement credit but don’t see it posted to your account, you’ll need to contact Amex.

Before calling, make sure you have a few important pieces of information. Gather information regarding the merchant, the amount charged to your card, and when the purchase was posted to your Amex account.

To find this information, click on the Statements & Activity page when logged into your Amex account. Also, make sure that you understand the statement credit and confirm that your account is eligible to receive it.

You have 2 main options when contacting Amex: calling or using the online chat feature.

Call American Express

Calling Amex is easy. You can call the customer service number on the back of your Amex card. Then, explain to the customer service representative that you’re eligible for a statement credit that hasn’t posted yet.

Use the Online Chat Feature

You can also contact Amex through the online chat feature.

You must first log into your Amex account to find the online chat feature. You can click the Help button at the top right of your screen, above where your Amex cards are listed.

Then, you can click on Live Chat, which will begin a secure chat session with an Amex customer service representative.

Amex online chat feature
You can use the online chat feature to ask any questions you may have. Image Credit: American Express

What Amex Customer Service Can Do

You can expect to have the same results whichever method you use to contact Amex.

The Amex customer service representative will take a few minutes to review your account to confirm your eligibility for the statement credit.

In most situations, the Amex customer service representative will tell you to wait longer, as some statement credits take time to post to your account, or they will manually post the credit for you if the appropriate amount of time has passed.

Although most statement credits post within a couple of days after the charge, some credits can take up to 90 days to post to your account. 

Final Thoughts

It’s a good idea to take advantage of statement credits before they expire.

Before contacting American Express, verify that your card qualifies for the statement credit. This is essential, as you won’t receive the applicable statement credit if you didn’t enroll in the benefit before making a purchase.

Fortunately, if you have verified eligibility and enrollment in the program for the applicable statement credit, you can quickly contact American Express by calling the number on the back of your card or by using the online chat feature.

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

Frequently Asked Questions

What is a statement credit?

A credit card statement credit is money that is credited back to your account after making eligible purchases with certain merchants.

How do Amex statement credits work?

To receive a statement credit, you need to use your Amex card to make an eligible purchase with a merchant. Most statement credit benefits require enrollment in advance.

Do all Amex cards offer statement credits?

No, only certain Amex cards offer statement credits.

Which credit card offers the most statement credits?

The Amex Platinum card offers several credits that can be used to offset the card’s annual fee.

Ehsan Haque's image

About Ehsan Haque

Ehsan is an avid traveler who has traveled to 100 countries, diligently using points and miles to fund his journeys. Currently, he holds 32 active credit cards and earns over a million points and miles annually, primarily using them for luxury hotels and long-haul premium cabins.

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