Maximize Your Credit Card Perks: A Guide to Statement Credits in 2026
As we approach the end of March – and the first quarter – now is the perfect time to review your credit card statement credits. Many American Express, Chase, and co-branded card benefits reset monthly, quarterly, or semi-annually, and unused credits typically don’t roll over.
American Express Platinum Card®: A Wealth of Benefits
The American Express Platinum Card® is packed with statement credit opportunities. Key credits to utilize before March 31 include:
- Resy Restaurant Credit: Up to $100 each quarter for eligible purchases at participating restaurants.
- lululemon Credit: Up to $75 each quarter for purchases at lululemon.com or in-store. Remember to check cashback portals like Rakuten, TopCashback, and Rove for additional savings.
- Uber Cash: $200 annually, dispensed monthly ($15 January-November, $35 in December).
- Digital Entertainment Credit: Up to $25 monthly (up to $300 annually) for eligible purchases on streaming services like YouTube TV, Disney+, and The Recent York Times. Enrollment is required.
American Express Business Platinum Card®: Business-Focused Perks
The Business Platinum Card® also offers valuable statement credits:
- Wireless Service Credit: Up to $10 monthly (up to $120 annually) for eligible U.S. Wireless telephone providers.
- Hilton Resort Credit: Up to $200 semi-annually for eligible purchases at participating Hilton Resorts.
- Dell Technologies Credit: Up to $150 annually, with an additional $1,000 statement credit after spending $5,000.
- Hotel Credit: Up to $600 annually for prepaid bookings at Fine Hotels + Resorts or The Hotel Collection.
American Express Gold Card: Dining and More
The American Express® Gold Card provides credits focused on everyday spending:
- Dunkin’ Credit: Up to $7 each month for eligible purchases at Dunkin’.
- Restaurant & Delivery Credit: Up to $10 monthly for purchases at select restaurants and delivery services like Grubhub and Seamless.
- Uber Cash: Up to $10 monthly for Uber Eats orders or Uber rides.
- Resy Credit: Up to $50 each quarter for eligible purchases at U.S. Resy restaurants.
Chase Cards: Expanding Statement Credit Options
Chase cards are also offering statement credits:
- Chase Sapphire Reserve®: Credits for DoorDash, Uber, and hotel bookings.
- Chase Freedom Flex®: 5% bonus cashback on dining, Norwegian Cruise Line, and donations to the American Heart Association.
Delta SkyMiles Cards: Travel-Focused Rewards
Delta SkyMiles cards offer credits geared towards travelers:
- Delta SkyMiles® Reserve American Express Card: Credits for rideshares, Delta Stays, and Resy restaurants.
- Delta SkyMiles® Platinum American Express Card: Credits for rideshares, Delta Stays, and Resy restaurants.
- Delta SkyMiles® Gold American Express Card: Credit for Delta Stays.
Marriott and Blue Cash Cards: Niche Benefits
The Marriott Bonvoy Brilliant® American Express® Card offers a $300 dining credit. The Blue Cash Everyday Card® and Blue Cash Preferred® Card from American Express offer credits for Disney Bundle subscriptions.
Pro Tip
FAQ
Q: What happens to unused statement credits?
A: Typically, unused credits do not roll over to the next month or quarter.
Q: Are statement credits taxable?
A: Statement credits are generally not considered taxable income.
Q: Can I use statement credits for any purchase?
A: No, statement credits are typically restricted to specific categories or merchants.
Q: Where can I locate more information about my card’s benefits?
A: Check your cardmember agreement or visit your card issuer’s website.
Don’t miss out on maximizing the value of your credit cards! Accept a few minutes to review your benefits and plan your spending accordingly.
