2025 Annual Credit Card Statement Credits To Use Before the Year Ends

For those of you holding credit cards that charge annual fees, the various statement credits that the cards offer are a great opportunity to offset the overall cost of your card.

As 2025 draws to a close, many credits are in “use it or lose it” mode now. That’s because you can’t carry most of these credits forward into the new year. That means it’s a good idea to start planning how you’ll use these benefits.

Let’s take a look at the credits offered on many major cards so you can strategize how to best use them before the end of the year.

Statement Credits That Renew by Calendar Year

American Express Statement Credits

For better or for worse, American Express is the king of credits. On certain cards, you might even find that you have more credits than you know what to do with.

Here is a glance at all of the credits you can use, organized by card. We’ve only included credits that are automatic benefits, not those that require a certain spending threshold.

Hot Tip:

Many American Express benefits require enrollment before you can use them. Remember to activate these perks.

American Express^® Business Gold Card

• Up to $240 at select business merchants: Upon enrollment, you can receive up to $20 monthly for eligible U.S. purchases at FedEx, Grubhub, and office supply stores.
• Up to $155 Walmart+ Credit: Use your card for a monthly Walmart+ membership and get the full cost back each month, covering the $12.95 plus any applicable taxes.

American Express^® Gold Card

• Up to $120 Uber Cash: Add your Amex Gold card to your Uber account and you’ll get $10 a month in Uber Cash for Uber Eats orders or Uber rides in the U.S.
• Up to $120 dining credit: Enroll your card and 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.
• Up to $100 Resy credit: Enroll your card and get $100 in annual statement credits ($50 semi-annually) to use at any U.S. Resy restaurant and other eligible Resy purchases.
• Up to $84 Dunkin’ credit: Enroll your card and earn up to a total of $7 a month in statement credits for purchases at U.S. Dunkin’ locations.
• Annual fee: $325 (rates & fees)

American Express^® Green Card

• Up to $209 CLEAR^® Plus credit: Receive up to $209 per calendar year in statement credits when you pay for your CLEAR Plus membership with your card.

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

Blue Cash Preferred^® Card from American Express

• Get up to a $10 monthly statement credit after using your enrolled Blue Cash Preferred Card for a subscription purchase, including a bundle subscription purchase, at Disneyplus.com, Hulu.com, or Plus.espn.com U.S. websites.

The Business Platinum Card^® from American Express

• Up to $200 airline fee credit: Get up to $200 per year in statement credits after enrollment toward incidental travel fees on your preselected airline.
• Up to $1,150 Dell credit: Enroll your card and get up to $150 in statement credits on U.S purchases directly with Dell Technologies on the Business Platinum Card and an additional $1,000 statement credit after you spend $5,000 or more per calendar year with Dell
• Up to $360 Indeed credit: Enroll and receive up to $90 in statement credits per quarter.
• Up to $250 Adobe Creative Solutions credit: Enroll and get a $250 statement credit after you spend $600 or more on U.S. purchases directly with Adobe per calendar year.
• Up to $120 wireless credit: Enroll and receive up to $10 in statement credits per month for wireless telephone services purchased with your card.
• Up to $209 CLEAR Plus credit: Get up to $209 back per year on your CLEAR Plus membership.
• Up to $200 in Hilton statement credits: Enroll and 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.
• Up to $600 hotel credit: Get $600 back in statement credits each year, with up to $300 between January and June, and up to $300 between July and December, on prepaid Fine Hotels + Resorts or The Hotel Collection bookings through AmexTravel.com when you pay with your card. The Hotel Collection requires a minimum 2-night stay.
• $1,200 Amex Travel flight statement credit: Earnable after you spend $250,000 on the card in a calendar year and valid through December 31 of the calendar year after in which you met the spend threshold.
• $2,400 in One AP statement credit: Receive a $2,400 statement credit for Amex One AP after you spend $250,000 on the card in a calendar year, and valid through December 31 of the calendar year after in which you met the spend threshold.
• Annual fee: $895 (rates & fees).

Hilton Honors American Express Aspire Card

• Up to $200 airline credit: Get up to $50 per quarter in statement credits for airline purchases directly or through AmexTravel.com
• Up to $400 Hilton resort credit: Get up to $200 in statement credits semi-annually 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
• Up to $209 CLEAR Plus credit: Up to $209 in statement credits per calendar year after you enroll and pay for an annual CLEAR Plus membership

Marriott Bonvoy Brilliant^® American Express^® Card

• Up to $25 monthly dining credit: Get up to $300 in statement credits upon enrollment 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 Marriott, The Ritz-Carlton or St. Regis when you book directly (not through a third-party site) using a special rate for a 2-night minimum stay.

The Platinum Card^® from American Express

• Up to $200 airline fee credit: After enrolling in the benefit, get up to $200 per year in statement credits when charging incidental travel fees on your preselected airline to this card.
• Up to $600 hotel credit: Get $600 back in statement credits each year, with up to $300 between January and June, and up to $300 between July and December, on prepaid Fine Hotels + Resorts or The Hotel Collection bookings through AmexTravel.com when you pay with your card. The Hotel Collection requires a minimum 2-night stay.
• Up to $400 Resy credit: Enroll your card and get $400 in annual statement credits ($100 per quarter) to use at any U.S. Resy restaurant and other eligible Resy purchases.
• Up to $300 digital entertainment dredit: Enroll your card and get up to $25 back each month on eligible purchases made with your card on one or more of the following: Disney+, The Disney+ Bundle, ESPN+, Hulu, The New York Times, Peacock, The Wall Street Journal, and YouTube TV. 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 $120 Uber One credit: You’ll receive a $10 statement credit each month when you use your card to pay for an Uber One membership.
• Up to $200 Uber Cash: Add your card to your Uber account and receive $15 in Uber Cash each month plus a bonus $20 in December for rides or Uber Eats orders in the U.S.
• Up to $300 Equinox credit: Get up to $300 back each year on the Equinox+ digital fitness app or eligible Equinox club memberships when you pay with your card. Enrollment required.
• Up to $300 SoulCycle credit: This credit can be received when you purchase a SoulCycle At-Home Bike. Just note that a 12-month Equinox+ membership is required to purchase a bike.
• Up to $209 CLEAR Plus credit: Get up to $209 back per year on your CLEAR Plus membership.
• Up to $100 Saks Fifth Avenue credit: Enroll and receive up to a $50 statement credit from January through June and up to a $50 statement credit from July through December.
• Up to $300 lululemon credit: Enroll and get up to a $75 statement credit each quarter when you use your Amex Platinum card to pay for purchases at lululemon.
• $200 Oura Ring credit: Receive a $200 statement credit toward the purchase of an Oura ring. Note that the credit applies only to the purchase of an Oura ring and not to the monthly subscription fee.
• Annual fee: $895 (rates & fees)

Delta Stays Credit on Delta Credit Cards

When booking prepaid hotels or vacation rentals through Delta Stays via delta.com, you can earn a statement credit each year with the following cards after enrollment:

• Delta SkyMiles^® Gold American Express Card: Up to $100 per year
• Delta SkyMiles^® Gold Business American Express Card: Up to $150 per year
• Delta SkyMiles^® Platinum American Express Card: Up to $150 per year
• Delta SkyMiles^® Platinum Business American Express Card: Up to $200 per year
• Delta SkyMiles^® Reserve American Express Card: Up to $200 per year
• Delta SkyMiles^® Reserve Business American Express Card: Up to $250 per year

Hot Tip:

Learn how to use the Delta Stays credit in our handy guide!

Resy Credit on Delta Credit Cards

After enrollment, you can earn Resy dining credits on the following cards, subject to each card’s maximum:

• Amex Gold card: Up to $100 per year, available as up to $50 semi-annually
• Delta Platinum card and Delta Platinum Business card: Up to $120 per year, available as up to $10 per month
• Delta Reserve card and Delta Reserve Business card: Up to $240 per year, available as up to $20 per month

Rideshare Credit on Delta Credit Cards

After enrollment, you can earn rideshare credits on the following cards:

• Delta Platinum card, Delta Platinum Business card, Delta Reserve card, and Delta Reserve Business card: Up to $120 per year, available as up to $10 per month

Uber One Credit on Delta Credit Cards

After enrollment, you can earn a monthly statement credit towards an Uber One membership on the following cards:

• Delta Platinum card, Delta Platinum Business card, Delta Reserve card, and Delta Reserve Business card: Up to $120, available as up to $10 per month. After that, you’ll be charged the standard $9.99 monthly rate unless you cancel.
• Delta Gold card and Delta Business Gold card: Up to $60, available as $10 per month for 6 months. After that, you’ll be charged the standard $9.99 monthly rate unless you cancel.

Bank of America Statement Credits

Bank of America^® Premium Rewards^® Credit Card

Each calendar year, the Bank of America Premium Rewards card offers cardholders a $100 annual airline incidental credit for qualifying purchases like seat upgrades, baggage fees, inflight services, and more (excludes Allegiant Air, Spirit Airlines, and Sun Country Airlines).

Bank of America^® Premium Rewards^® Elite Credit Card

The Bank of America Premium Rewards Elite card offers even more: a $300 annual airline incidental credit that can be applied to all of the same qualifying purchases.

Cardholders will also receive a $150 annual lifestyle credit toward rideshares, food delivery, streaming services, and fitness transactions at select merchants.

Chase Statement Credits

Chase Sapphire Reserve^®

The Chase Sapphire Reserve card comes loaded with a variety of credits that you’ll want to make sure you’re getting good use out of given the annual fee, and that includes:

• Up to $500 annual The Edit credit: Up to $250 in statement credits from January through June and again from July through December for prepaid bookings made with The Edit. Requires a Two-night minimum stay.
• Up to $300 annual dining credit: Get up to $150 in statement credits from January through June and again from July through December for a maximum of $300 annually for dining at restaurants that are part of our Sapphire Reserve Exclusive Tables.
• Up to $300 in annual StubHub credits: Receive up to $150 in statement credits from January through June and again from July through December for a maximum of $300 annually for StubHub and viagogo purchases through 12/31/2027. Activation required.
• Up to $120 in annual Lyft credits: Get up to $10 in monthly in-app credits to use on rides through 9/30/2027.
• Up to $300 in annual DoorDash promos: DoorDash DashPass members (which is included with the card) get up to $25 each month to spend on DoorDash, including a $5 monthly promo to spend on restaurant orders and two $10 promos each month to save on groceries, retail orders, and more. Available through 12/31/2027.
• Up to $120 in annual Peloton credits: Get $10 in statement credits per month on eligible Peloton memberships through 12/31/2027, for a maximum of $120 annually. Activation required.

Sapphire Reserve for Business℠

Similarly, the Chase Sapphire Reserve Business card offers a wide variety of credits that cardholders will want to maximize.

• Up to $500 annual The Edit credit: Up to $250 in statement credits from January through June and again from July through December for prepaid bookings made with The Edit. Requires a Two-night minimum stay.
• Up to $300 in annual DoorDash promos: DoorDash DashPass members (which is included with the card) get up to $25 each month to spend on DoorDash, including a $5 monthly promo to spend on restaurant orders and two $10 promos each month to save on groceries, retail orders, and more. Available through 12/31/2027.
• Up to $120 in annual Lyft credits: Get up to $10 in monthly in-app credits to use on rides through 9/30/2027.
• Up to $400 in annual ZipRecruiter credits: Earn up to $200 in statement credits January through June and up to $200 in statement credits July through December.
• $200 annual Google Workspace credit: Receive up to $200 in annual statement credits on purchases made directly on Google Workspace.
• Up to $100 Giftcards.com credit: Earn up to $50 in statement credits January through June and up to $50 in statement credits July through December.

The New United℠ Explorer Card

• Up to $60 in rideshare credits: Enroll to receive up to $5 back as a statement credit each month on rideshare purchases when you pay with your card, up to $60 each calendar year.
• Up to $120 in Instacart credits: Receive a $10 Instacart credit monthly, up to $120 total each calendar year, for purchases made directly through Instacart with your card.

The New United Quest℠ Card

• Up to $100 in credits on rideshare purchases annually: Enroll and receive up to $100 back as statement credits each calendar year on rideshare purchases when paying with your card, with up to $8 back monthly from January through November, and up to $12 back for the month of December.
• Up to $180 in Instacart credits: Receive one $10 Instacart credit and one $5 Instacart credit monthly, up to $180 total each calendar year, for purchases made directly through Instacart with your card.

The New United Club℠ Card

• Up to $150 in credits on rideshare purchases annually: Enroll and receive up to $150 back as statement credits each calendar year on rideshare purchases when paying with your card, with up to $12 back monthly from January through November, and up to $18 back for the month of December.
• Up to $240 in Instacart credits: Receive two $10 Instacart credits monthly, up to $240 total each calendar year, for purchases made directly through Instacart with your card.

The New United℠ Business Card

• Up to $100 in credits on rideshare purchases annually: Enroll and receive up to $100 back as statement credits each calendar year on rideshare purchases when paying with your card, with up to $8 back monthly from January through November, and up to $12 back for the month of December.
• Up to $120 in Instacart credits: Receive a $10 Instacart credit monthly, up to $120 total each calendar year, for purchases made directly through Instacart with your card.

The New United Club℠ Business Card

• Up to $150 in credits on rideshare purchases annually: Enroll and receive up to $150 back as statement credits each calendar year on rideshare purchases when paying with your card, with up to $12 back monthly from January through November, and up to $18 back for the month of December.
• Up to $240 in Instacart credits: Receive two $10 Instacart credits monthly, up to $240 total each calendar year, for purchases made directly through Instacart with your card.

World of Hyatt Business Credit Card

• Up to $100 in Hyatt statement credits: Spend $50 or more at any Hyatt property and earn $50 statement credits up to two times each anniversary year.

Southwest^® Rapid Rewards^® Performance Business Credit Card

Cardholders of the Southwest Performance Business card receive a daily credit that covers the $8 charge to purchase Wi-Fi on their Southwest flight through December 31, 2025.

Citi Statement Credits

Citi^®/AAdvantage^® Executive World Elite Mastercard^®

• Up to $120 in Grubhub credits annually: Earn a credit of up to $10 per month on eligible Grubhub purchases, for a total of up to $120 each year.
• Up to $120 in Avis and Budget Car Rental credits annually: Receive up to $120 in statement credits every calendar year when you book a prepaid car rental directly on avis.com or budget.com.
• Up to $120 in Lyft credits annually: After taking 3 eligible rides in a calendar month, you will earn a $10 Lyft credit, for a total of up to $120 Lyft credits annually.

Citi Strata Premier℠ Card

Cardholders receive a $100 annual hotel credit toward a booking of $500 or more made through the Citi travel portal.

Citi Strata Elite℠ Card

• Up to $300 annual hotel credit: Receive up to $300 off a hotel stay of 2 nights or more when booked through cititravel.com.
• Up to $200 annual Splurge credit: Earn up to $200 in statement credits on your choice of up to 2 of the following brands: 1stDibs, American Airlines (exclusions apply), Best Buy, Future Personal Training, and Live Nation (exclusions apply).
• Up to $200 annual Blacklane credit: Earn up to $200 in statement credits when you book with Blacklane, a premium global chauffeur service, with up to $100 in credits in January through June, and up to $100 in credits in July through December.

Citi Prestige^® Card

While the card is no longer available to new applicants, the Citi Prestige card offers a $250 annual travel credit that could be used toward airfare, hotels, and car rentals.

Statement Credits That Renew by Cardmember Year

Barclays Statement Credits

AAdvantage^® Aviator^® Red World Elite Mastercard^® (closed to new applicants)

American Airlines frequent flyers will love that the AAdvantage Aviator Red card offers a $25 annual statement credit per cardmember year toward inflight Wi-Fi purchases with American (roughly 2 uses).

AAdvantage^® Aviator^® Silver Mastercard^® (closed to new applicants)

The AAdvantage Aviator Silver card bumps the credits up a notch by offering a $50 annual Wi-Fi credit per cardmember year and up to $25 in daily statement credits toward inflight food and beverage purchases.

Even if you fly just 1 round-trip flight with American Airlines each month, the food and beverage credit could save you up to $600 each year!

Capital One Statement Credits

Capital One Venture X Rewards Credit Card and Capital One Venture X Business Card

The Capital One Venture X card comes with a $300 annual credit for bookings through Capital One Travel. The Capital One Venture X Business card*×Information collected independently. Not reviewed by Capital One. also has a $300 annual credit for bookings through Capital One Business Travel. This credit can be used toward any eligible purchase, including flights, hotels, rental cars, and more. 

Chase Statement Credits

British Airways Visa Signature^® Card

Cardholders can receive a $100 statement credit toward taxes and fees on economy or premium economy award tickets or a $200 statement credit toward taxes and fees on a business- or first-class booking — available up to 3 times per cardmember year (a $300 to $600 value).

Chase Sapphire Preferred^® Card

The lone credit offered on the Chase Sapphire Preferred card is a $50 annual hotel credit toward a purchase through the Chase Travel portal.

Chase Sapphire Reserve^®

When it comes to travel credits, none could be easier to use than the Chase Sapphire Reserve card’s $300 annual travel credit.

This credit can be applied to virtually any travel-related purchase made with the card — including obvious items like airfare, hotels, and rental cars — and some not-so-obvious items like tolls, parking garages, and public transportation.

Chase Sapphire Reserve Business Card

As with the personal version of the card, you’ll receive a a $300 annual travel credit each cardmember year that you can apply to a wide vareity of travel purchases like airfare, hotels, parking, vacation rental platforms, and more.

Note that unlike other ultra-premium travel cards, you do not have to redeem this $300 annual travel credit through the Chase Travel portal, and instead can use it directly with the travel merchants you’re booking with.

United Explorer Card

• Up to $100 in United Hotels credits: Receive $50 back as a statement credit on both your 1st and 2nd prepaid hotel stays purchased directly through United Hotels with your card.
• Up to $50 in United travel credits on Avis or Budget purchases: Receive $25 in United TravelBank cash, up to $50 each anniversary year, for your 1st and 2nd Avis or Budget car rental booked directly through cars.united.com, and pay with your card.
• Up to $100 in credits on JSX purchases annually: Get up to $100 back as a statement credit each anniversary year when you book flights directly with JSX using your card.

United Quest Card

• $200 annual United travel credit: Receive $200 in United TravelBank cash after account opening and annually on your account anniversary.
• Up to $150 in credits for Renowned Hotels and Resorts: Get up to $150 back in statement credits each anniversary year on hotels when you prepay directly through Renowned Hotels and Resorts with your card.
• Up to $80 in United travel credits on Avis or Budget purchases: Get $40 in United TravelBank cash, up to $80 each anniversary year, for your 1st and 2nd Avis or Budget car rental booked directly through cars.united.com and paid for with your card.
• Up to $150 in credits on JSX purchases annually: Get up to $150 back as a statement credit each anniversary year when you book flights directly with JSX using your card.

United Club Card

• Up to $200 in credits for Renowned Hotels and Resorts: Get up to $200 back in statement credits each anniversary year on hotels when you prepay directly through Renowned Hotels and Resorts with your card.
• Up to $100 in United travel credits on Avis or Budget purchases: Get $50 in United TravelBank cash, up to $100 each anniversary year, for your 1st and 2nd Avis or Budget car rental booked directly through cars.united.com and paid for with your card.
• Up to $200 in credits on JSX purchases annually: Get up to $200 back as a statement credit each anniversary year when you book flights directly with JSX using your card.

United Business Card

• Up to $100 in United Hotels credits: Receive $50 back as a statement credit on both your 1st and 2nd prepaid hotel stays purchased directly through United Hotels with your card.
• Up to $50 in United travel credits on Avis or Budget purchases: Receive $25 in United TravelBank cash, up to $50 each anniversary year, for your 1st and 2nd Avis or Budget car rental booked directly through cars.united.com, and pay with your card.
• Up to $100 in credits on JSX purchases annually: Get up to $100 back as a statement credit each anniversary year when you book flights directly with JSX using your card.
• Up to $25 in credits on United FareLock purchases: Earn up to $25 back as a statement credit each anniversary year after you buy FareLock with your card on a United-operated flight. 

United Club Business Card

• Up to $200 in credits for Renowned Hotels and Resorts: Get up to $200 back in statement credits each anniversary year on hotels when you prepay directly through Renowned Hotels and Resorts with your card.
• Up to $100 in United travel credits on Avis or Budget purchases: Get $50 in United TravelBank cash, up to $100 each anniversary year, for your 1st and 2nd Avis or Budget car rental booked directly through cars.united.com and paid for with your card.
• Up to $200 in credits on JSX purchases annually: Get up to $200 back as a statement credit each anniversary year when you book flights directly with JSX using your card.
• Up to $50 in credits on United FareLock purchases: Earn up to $25 back as a statement credit each anniversary year after you buy FareLock with your card on a United-operated flight. 

The Ritz-Carlton™ Credit Card

You can upgrade to this card if you’ve held the Marriott Bonvoy Boundless^® Credit Card, or an older variety of Marriott credit card for Chase, for more than 12 months. If you have, it is worth considering upgrading. Not only does the Ritz-Carlton card come with better benefits, it also offers a $300 travel credit to offset its annual fee. The credit can be used for baggage fees, seat upgrades, access to your preferred airport lounge, and more.

Southwest Rapid Rewards^® Priority Credit Card

This card offers a $75 annual Southwest statement credit per cardmember year that can be used toward flights, plus 4 Upgraded Boarding credits per calendar year — a phenomenal option for Southwest flyers. However, this benefit will end on December 31, 2025, due to the overhaul of the Southwest Airlines credit cards.

U.S. Bank Statement Credits

U.S. Bank Altitude^® Reserve Visa Infinite^® Card

This card offers $325 each year toward eligible travel purchases, takeout, food delivery, and dining purchases, making it far easier to use than many other credits.

Hot Tip:

Does your credit card include a credit for a complimentary Global Entry, TSA PreCheck, or NEXUS registration? These credits renew every 4 to 5 years. Check your card’s guide to benefits or call the customer service number on the back of the card for specific details.

Final Thoughts

It’s no secret that most, if not all, of the very best travel rewards credit cards come with an annual fee — some of which can be quite high! Aside from the points you’ll earn and the card benefits you’ll receive, annual credits on these cards offer an excellent way to recoup some of the cash you pay to keep the card in your wallet year after year. Plus, many of the cards listed here offer some of the best credit card bonuses for new applicants.

In fact, if you’re thoughtful in how you use your card’s credits, you might find that you can get more value from them than your card’s annual fee, making rewards and other benefits you receive the cherry on top!

Remember that most cards will provide the credit based on when the purchase posts to your account, so note the date you swipe the card. It can sometimes take a few days for a purchase to process, so waiting until December 31 probably isn’t a good idea.