2024 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 2024 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, so 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.

American Express^® Gold Card

• Up to $120 Uber Cash: Add your Amex Gold card as your payment method within your Uber account and you’ll automatically get $10 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 $199 CLEAR Plus Credit: Receive up to $199 per calendar year in statement credits when you pay for your CLEAR Plus membership with your card.
• Up to $100 Statement Credits for Lounge Access: Use the Amex Green card to purchase lounge access through LoungeBuddy and receive up to $100 in statement credits per calendar year. Remember that this benefit will end completely on January 13, 2025.

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

Blue Cash Preferred^® Card from American Express

• Up to $84 Disney Bundle Credit: With your enrolled Amex Blue Cash Preferred card, spend $9.99 or more each month on an auto-renewing Disney Bundle subscription to receive a monthly statement credit of $7. Valid only at Disney Plus.com, Hulu.com or Plus.espn.com in the U.S.

The Business Platinum Card^® from American Express

• Up to $200 Airline Fee Credit: Get up to $200 per year in statement credits toward incidental travel fees on your preselected airline.
• Up to $400 Dell Credit: Enroll your card and 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: Enroll and receive up to $90 in statement credits per quarter.
• Up to $150 Adobe Creative Solutions Credit: Get up to $150 per year for select subscription purchases with Adobe upon enrollment.
• 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 $199 CLEAR Plus Credit: Get up to $199 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 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 $199 CLEAR Plus Credit: Up to $199 in statement credits per calendar year after you enroll and pay for an annual CLEAR Plus membership

All information about the Hilton Honors American Express Aspire Card has been collected independently by Upgraded Points.

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 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: Get up to $200 per year in statement credits when charging incident travel fees on your preselected airline to this card.
• 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. The Hotel Collection requires a minimum 2-night stay.
• Up to $240 Digital Entertainment Credit: Enroll your card and get up to $20 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, 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: 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 $199 CLEAR Plus Credit: Get up to $199 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.
• Annual Fee: $695 (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

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

As a big brother to the Bank of America Premium Rewards 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

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.

Citi Statement Credits

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 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.

City National Bank Statement Credits

Crystal^® Visa Infinite^® Credit Card

This card offers a $350 annual airline incidental credit that can be used with any U.S. carrier toward purchases like baggage or seat selection fees, onboard charges, and more.

Statement Credits That Renew by Cardmember Year

Barclays Statement Credits

AAdvantage^® Aviator^® Red World Elite Mastercard^®

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^®

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

Both the Capital One Venture X card*×Information collected independently. Not reviewed by Capital One. and Capital One Venture X Business card*×Information collected independently. Not reviewed by Capital One. come with a $300 annual credit for bookings through Capital One Travel. This credit can be used toward any eligible purchase through Capital One Travel, 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.

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 $450 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.

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 offer some of the best credit card bonuses.

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 the 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.