The end of the year is (very quickly) approaching, and if you have a credit card with statement credits or other recurring benefits, now is a good time to check whether you’ve used them.
These days, plenty of credit cards offer hundreds of dollars in annual credits toward travel, dining, shopping, and other purchases. But those benefits don’t necessarily roll over. Some reset on January 1, while others expire monthly, quarterly, or every six months.
That makes the final weeks of the year a good time to review your cards and see what’s still available. You might have an unused hotel credit, a dining benefit you’ve forgotten about (or never knew existed), or a spending threshold you’re close to reaching.
We’ve rounded up some of the major credit card benefits worth checking before December 31, organized by issuer.
How Credit Card Benefit Reset Dates Work
Not all credit card benefits follow the same schedule, and understanding the difference can help you avoid leaving money on the table.
Calendar-year benefits: Reset on January 1, regardless of when you opened your card.
Semiannual benefits: Typically provide one allocation from January through June and another from July through December.
Quarterly benefits: Reset every three months, with the final quarter ending December 31.
Monthly benefits: Reset each month, including at the end of December.
Cardmember-year benefits: Reset around your account anniversary rather than the calendar year.
This guide focuses primarily on benefits with calendar-year deadlines, including monthly, quarterly, and semiannual credits. We’ve also included selected spending-based and anniversary benefits worth reviewing.
Keep in mind that some benefits require enrollment or activation. Eligible purchases may also need to post before the applicable deadline, so it’s worth checking the terms rather than waiting until December 31.
American Express Card Benefits to Use Before Year-End
American Express offers some of the most extensive collections of recurring credit card benefits by a wide margin. Many are divided into monthly, quarterly, or semiannual credits, so it’s particularly easy to overlook something.
Up to $600 Hotel Credit: Receive up to $300 in statement credits each half of the calendar year on eligible prepaid Fine Hotels + Resorts or The Hotel Collection bookings through American Express Travel. The Hotel Collection requires a minimum two-night stay. Beginning January 1, 2027, Fine Hotels + Resorts bookings must also be for at least two nights to qualify.
Up to $200 Airline Fee Credit: Receive up to $200 in statement credits per calendar year for eligible incidental charges with one selected qualifying airline. Airline selection required.
Up to $400 Resy Credit: Receive up to $100 in statement credits each quarter on eligible purchases at qualifying U.S. Resy restaurants and other eligible Resy purchases. Enrollment required.
Up to $300 Lululemon Credit: Receive up to $75 in statement credits each quarter on eligible purchases at U.S. Lululemon stores and lululemon.com. Enrollment required.
Up to $200 Oura Ring Credit: Receive up to $200 in statement credits per calendar year on eligible Oura Ring purchases at ouraring.com. Enrollment required.
Up to $300 Digital Entertainment Credit: Receive up to $25 in monthly statement credits on eligible purchases with participating entertainment providers. Enrollment required.
Up to $200 Uber Cash: Receive $15 in Uber Cash each month, plus an additional $20 in December, for eligible U.S. rides and orders. Add your Platinum Card to your Uber account and select an Amex Card for the transaction.
Up to $120 Uber One Credit: Receive up to $120 in statement credits per calendar year for an eligible auto-renewing Uber One membership paid for with the card.
Up to $219 CLEAR+ Credit: Receive up to $219 in statement credits per calendar year toward an eligible CLEAR+ membership.
Walmart+ Credit: Receive a monthly statement credit covering up to $12.95 plus applicable taxes for an eligible monthly Walmart+ membership.
Centurion Lounge Guest Access: Unlock complimentary access for up to two guests per visit after spending $75,000 on eligible purchases in a calendar year.
Up to $600 Hotel Credit: Receive up to $300 in statement credits each half of the calendar year on eligible prepaid Fine Hotels + Resorts or The Hotel Collection bookings through American Express Travel. The Hotel Collection requires a minimum two-night stay. Beginning January 1, 2027, Fine Hotels + Resorts bookings must also be for at least two nights to qualify.
Up to $200 Hilton Credit: Receive up to $50 in statement credits each quarter on eligible purchases made directly with Hilton. Enrollment in the benefit and Hilton for Business required.
Up to $200 Airline Fee Credit: Receive up to $200 in annual statement credits for eligible incidental charges with one selected qualifying airline. Airline selection required.
Up to $219 CLEAR+ Credit: Receive up to $219 in annual statement credits toward an eligible CLEAR+ membership.
Up to $1,150 Dell Technologies Credit: Receive up to $150 in annual statement credits on eligible U.S. Dell purchases, plus an additional $1,000 after spending at least $5,000 on qualifying purchases in a calendar year. Enrollment required.
Up to $300 ChatGPT Business Credit: Receive up to $300 in annual statement credits on eligible U.S. ChatGPT Business subscriptions. Enrollment required.
$250 Adobe Credit: Receive a $250 statement credit after spending at least $600 on qualifying U.S. Adobe purchases in a calendar year. Enrollment required.
Up to $360 Indeed Credit: Receive up to $90 in statement credits each quarter on eligible Indeed purchases. Enrollment required.
Up to $120 Wireless Credit: Receive up to $10 in monthly statement credits on eligible wireless service purchases. Enrollment required.
Centurion Lounge Guest Access: Unlock complimentary access for up to two guests per visit after spending $75,000 on eligible purchases in a calendar year.
Up to $100 Resy Credit: Receive up to $50 in statement credits each half of the calendar year on eligible purchases at qualifying U.S. Resy restaurants. Enrollment required.
Up to $120 Dining Credit: Receive up to $10 in monthly statement credits on eligible purchases with participating dining partners, including Grubhub, Five Guys, The Cheesecake Factory, Buffalo Wild Wings, and Wonder. Enrollment required.
Up to $120 Uber Cash: Receive $10 in Uber Cash each month toward eligible U.S. rides or orders when your Gold Card is added to your Uber account and you select an Amex Card for the transaction.
Up to $84 Dunkin’ Credit: Receive up to $7 in monthly statement credits on eligible purchases at U.S. Dunkin’ locations. Enrollment required.
Up to $240 Flexible Business Credit: Receive up to $20 in monthly statement credits on eligible U.S. purchases at Grubhub, office supply stores, and UPS.com. Enrollment required.
Up to $300 ChatGPT Business Credit: Receive up to $300 in statement credits per calendar year on eligible U.S. ChatGPT Business subscriptions. Enrollment required.
Up to $150 Squarespace Credit: Receive up to $150 in annual statement credits on qualifying U.S. Squarespace purchases. Enrollment required.
Walmart+ Credit: Receive up to $12.95 plus applicable taxes in monthly statement credits for an eligible Walmart+ membership.
American Express® Classic Green Card
Although the Classic Green Card is no longer accepting new applications, existing cardmembers can receive up to $219 in statement credits each calendar year toward an eligible CLEAR+ membership.
Up to $200 Hilton Credit: Receive up to $50 in statement credits each quarter on eligible purchases made directly with properties in the Hilton portfolio.
Free Night Reward: Earn a Free Night Reward after spending $15,000 on eligible purchases in a calendar year.
Hilton Honors Diamond Status: Earn an upgrade to Diamond status after spending $40,000 on eligible purchases in a calendar year.
Up to $400 Hilton Resort Credit: Receive up to $200 in statement credits each half of the calendar year on eligible purchases made directly with participating Hilton resorts.
Up to $200 Flight Credit: Receive up to $50 in statement credits each quarter on eligible flight purchases made directly with airlines or through American Express Travel.
Up to $219 CLEAR+ Credit: Receive up to $219 in annual statement credits toward an eligible CLEAR+ membership.
Additional Free Night Rewards: Earn a Free Night Reward after spending $30,000 in eligible purchases in a calendar year and another after spending an additional $30,000.
Up to $120 Rideshare Credit: Receive up to $10 in monthly statement credits on eligible U.S. rideshare purchases after your first card renewal. Enrollment required.
Up to $100 Delta Stays Credit: Receive up to $100 in annual statement credits on eligible prepaid hotel or vacation rental bookings through Delta Stays.
$200 Delta Flight Credit: Earn a $200 Delta Flight Credit after spending $10,000 on eligible purchases in a calendar year.
Up to $120 Rideshare Credit: Receive up to $10 in monthly statement credits on eligible U.S. rideshare purchases after your first card renewal. Enrollment required.
Up to $150 Delta Stays Credit: Receive up to $150 in annual statement credits on eligible prepaid Delta Stays bookings.
$200 Delta Flight Credit: Earn a $200 Delta Flight Credit after spending $10,000 on eligible purchases in a calendar year.
Additional Free Night Award: Earn a Free Night Award worth up to 35,000 points after spending $60,000 on eligible purchases in a calendar year.
Chase Card Benefits to Use Before Year-End
Chase offers a mix of monthly, semiannual, and calendar-year benefits. However, some of its most recognizable travel credits follow a cardmember anniversary schedule instead, so those don’t necessarily need to be used by December 31.
Up to $500 The Edit Credit: Receive up to $250 in statement credits per eligible prepaid booking through The Edit by Chase Travel, for up to $500 annually. A two-night minimum stay is required.
Up to $300 Dining Credit: Receive up to $150 in statement credits each half of the calendar year for eligible dining purchases at restaurants participating in Sapphire Reserve Exclusive Tables through OpenTable.
Up to $300 StubHub Credit: Receive up to $150 in statement credits each half of the calendar year on eligible StubHub and viagogo purchases through December 31, 2027. Activation required.
Up to $120 Peloton Credit: Receive up to $10 in monthly statement credits for eligible Peloton memberships through December 31, 2027. Activation required.
Up to $120 Lyft Credit: Receive up to $10 in monthly in-app credits for eligible Lyft rides through September 30, 2027.
DoorDash Benefits: Eligible DashPass members receive monthly DoorDash promotions for restaurant and non-restaurant purchases. DashPass activation required.
The card also offers a $300 annual travel credit, but that benefit resets each account anniversary year rather than on January 1.
Cardmembers should also review the card’s annual spending benefits. Spending $75,000 in a calendar year can unlock additional credits and elite-status benefits with participating travel brands.
Up to $500 The Edit Credit: Receive up to $250 in statement credits per qualifying prepaid booking through The Edit, for up to $500 annually. A two-night minimum stay is required.
Up to $250 Chase Travel Hotel Credit: Receive up to $250 in statement credits on qualifying prepaid hotel bookings through Chase Travel with participating hotel brands through December 31, 2026. A two-night minimum stay is required.
Up to $400 ZipRecruiter Credit: Receive up to $200 in statement credits each half of the calendar year on eligible ZipRecruiter purchases.
Up to $200 Google Workspace Credit: Receive up to $200 in annual statement credits on eligible Google Workspace purchases.
Up to $100 Gift Card Credit: Receive up to $50 in statement credits each half of the calendar year on qualifying gift card purchases through the card’s designated gift card portal.
Up to $120 Lyft Credit: Receive up to $10 in monthly in-app credits toward eligible Lyft rides through September 30, 2027.
DoorDash Benefits: Eligible DashPass members receive monthly promotions for restaurant and non-restaurant orders. Activation required.
Cardmembers should also review the card’s annual spending benefits. Spending $120,000 in a calendar year can unlock additional credits and elite-status benefits with participating travel brands.
Up to $100 Food and Beverage Rewards: Receive a $25 food and beverage reward each quarter for eligible purchases at IHG hotels.
$100 Airline Statement Credit: Receive a $100 statement credit after spending at least $250 on qualifying flights purchased directly from airlines in a calendar year, through December 31, 2027.
15,000 Bonus Points: Earn 15,000 bonus points after spending $15,000 on eligible purchases in a calendar year.
Additional Elite Night Credits: Earn five additional elite night credits after spending $15,000 on eligible purchases in a calendar year, in addition to the card’s regular spending-based elite night credits.
Up to $300 Food and Beverage Rewards: Receive a $75 food and beverage reward each quarter for eligible purchases at IHG hotels.
$200 Airline Statement Credit: Receive a $200 statement credit after spending at least $250 on qualifying flights purchased directly from airlines in a calendar year, through December 31, 2027.
Up to $50 United TravelBank Cash: Receive two $25 United TravelBank deposits annually, one for each half of the calendar year, after registering the card with your United MileagePlus account.
20,000 Bonus Points: Earn 20,000 bonus points after spending $15,000 on eligible purchases in a calendar year.
IHG One Rewards Diamond Elite Status: Qualify for Diamond Elite status after spending $25,000 on eligible purchases in a calendar year.
Up to $100 Food and Beverage Rewards: Receive a $25 food and beverage reward each quarter for eligible purchases at IHG hotels.
$100 Airline Statement Credit: Receive a $100 statement credit after spending at least $250 on qualifying flights purchased directly from airlines in a calendar year, through December 31, 2027.
Up to $100 Expensify Credit: Receive up to $100 in annual statement credits on eligible Expensify purchases.
Additional Free Night: Earn a Free Night Award worth up to 50,000 points after spending $60,000 on eligible purchases in a calendar year.
20,000 Bonus Points: Earn 20,000 bonus points after spending $25,000 on eligible purchases in a calendar year.
Up to $100 Rideshare Credit: Receive up to $8 in monthly statement credits from January through November and up to $12 in December. Annual enrollment required.
Up to $180 Instacart Credits: Receive up to $15 in monthly Instacart credits through December 31, 2027, divided into separate $10 and $5 credits.
10,000-Mile Award Flight Discount: Earn a 10,000-mile award discount after spending $20,000 on eligible purchases in a calendar year.
Up to $150 Rideshare Credit: Receive up to $12 in monthly statement credits from January through November and up to $18 in December. Annual enrollment required.
Up to $240 Instacart Credits: Receive two $10 monthly Instacart credits through December 31, 2027.
Award Flight Discounts: Earn a 10,000-mile award discount after spending $20,000 on eligible purchases in a calendar year, up to twice annually.
Up to $100 Rideshare Credit: Receive up to $8 in monthly statement credits from January through November and up to $12 in December. Annual enrollment required.
Up to $120 Instacart Credits: Receive up to $10 in monthly Instacart credits through December 31, 2027.
$125 United TravelBank Cash: Earn $125 in United TravelBank cash after making five qualifying United flight purchases of at least $100 each in a calendar year.
Economy Plus Upgrades: Earn two qualifying Economy Plus seat upgrades after spending $25,000 on eligible purchases in a calendar year.
United Club℠ Business Card
Up to $150 Rideshare Credit: Receive annual statement credits for eligible rideshare purchases. Enrollment required.
Up to $240 Instacart Credits: Receive monthly Instacart credits through December 31, 2027.
United Gateway℠ Card
Award Flight Savings: Unlock additional savings on eligible United award flights after spending $10,000 on purchases in a calendar year.
Southwest Rapid Rewards® Premier Credit Card
Tier Qualifying Points: Through December 31, 2026, earn 1,500 tier qualifying points toward A-List status for every $5,000 spent on eligible purchases.
Tier Qualifying Points: Through December 31, 2026, earn 2,500 tier qualifying points toward A-List status for every $5,000 spent on eligible purchases.
Tier Qualifying Points: Through December 31, 2026, earn 1,500 tier qualifying points toward A-List status for every $5,000 spent on eligible purchases.
Tier Qualifying Points: Through December 31, 2026, earn 1,500 tier qualifying points toward A-List status for every $5,000 spent on eligible purchases.
World of Hyatt Credit Card
Additional Free Night Award: Earn an additional Category 1–4 Free Night Award after spending $15,000 on eligible purchases in a calendar year.
Points Rebate: Spend $50,000 on eligible purchases in a calendar year to unlock a 10% rebate on qualifying points redemptions for the remainder of the year, on up to 200,000 points redeemed.
Elite Night Credits: Earn five tier-qualifying night credits for every $10,000 spent on eligible purchases in a calendar year.
The World of Hyatt Business Card also offers up to $100 in Hyatt statement credits each anniversary year, but that benefit doesn’t necessarily reset on December 31.
Up to $100 Air Canada Credit: Receive up to $50 in statement credits each half of the calendar year on eligible purchases made directly with Air Canada.
Marriott Bonvoy Boundless® Credit Card
Up to $100 Airline Statement Credit: Receive a $50 statement credit after spending at least $250 on purchases made directly with airlines between June 4 and December 31, 2026. Earn another $50 statement credit after spending at least $250 on eligible airline purchases between January 1 and June 30, 2027.
Marriott Bonvoy Gold Elite Status: Earn Gold Elite status after spending $35,000 on eligible purchases in a calendar year.
Marriott Bonvoy Bountiful® Credit Card
Free Night Award: Earn a Free Night Award worth up to 50,000 points after spending $15,000 on eligible purchases in a calendar year.
Citi Card Benefits to Use Before Year-End
Citi has expanded the range of annual credits on several of its premium travel cards. Some offer straightforward annual benefits, while others divide credits into two six-month periods.
Citi Strata Elite℠ Card
Up to $300 Annual Hotel Benefit: Receive up to $300 off an eligible hotel stay of at least two nights booked through Citi Travel each calendar year.
Up to $200 Splurge Credit®: Receive up to $200 in annual statement credits on qualifying purchases with up to two selected participating brands, including American Airlines, Best Buy, 1stDibs, Future Personal Training, and Live Nation. Selection required.
Up to $200 Blacklane Credit: Receive up to $100 in statement credits each half of the calendar year on eligible Blacklane purchases.
Admirals Club Passes: Receive four Admirals Club passes each calendar year.
Citi Strata Premier® Card
$100 Annual Hotel Benefit: Receive $100 off one eligible hotel stay of at least $500, excluding taxes and fees, booked through Citi Travel each calendar year.
The discount is applied at booking, rather than issued as a statement credit after the purchase.
Citi® / AAdvantage® Executive World Elite Mastercard®
Up to $500 American Airlines Vacations Credit: Receive up to $250 in statement credits each half of the calendar year on eligible American Airlines Vacations packages.
Up to $200 inKind Dining Credits: Receive two $100 dining credits annually, one for each half of the calendar year, for eligible purchases through the inKind app.
Up to $180 Lyft Credits: Earn a $15 Lyft credit after completing three eligible rides in a calendar month.
Up to $120 Avis and Budget Credit: Receive up to $120 in annual statement credits on eligible prepaid Avis and Budget car rentals booked directly.
Up to $100 Inflight and Admirals Club Credit: Receive up to $100 in annual statement credits on eligible American Airlines inflight and Admirals Club purchases.
Citi® / AAdvantage® Globe™ Mastercard®
Up to $240 Turo Credit: Receive up to $30 in statement credits per eligible Turo trip, for up to $240 annually.
Up to $100 Inflight Credit: Receive up to $100 in annual statement credits on eligible inflight purchases aboard American Airlines.
Up to $100 Splurge Credit®: Receive up to $100 in annual statement credits on qualifying purchases with up to two selected participating brands, including eligible AAdvantage Hotels bookings, 1stDibs, Future Personal Training, and Live Nation. Selection required.
Admirals Club Globe Passes: Receive four Admirals Club passes each calendar year.
Citi® / AAdvantage® Platinum Select® World Elite Mastercard®
Up to $180 Turo Credit: Receive up to $30 in statement credits per eligible Turo rental, for up to $180 annually.
The card also offers a $125 American Airlines flight discount after spending $20,000 on eligible purchases during a cardmembership year and renewing the card. Because this follows the cardmembership year, it doesn’t necessarily have a December 31 deadline.
Citi® / AAdvantage Business™ World Elite Mastercard®
American Airlines Companion Certificate: Earn a companion certificate after spending $30,000 on eligible purchases during a cardmembership year and renewing the card. Redemption requires a $99 ticketing fee plus applicable taxes and fees.
Bank of America Card Benefits to Use Before Year-End
Bank of America offers multiple credit cards with annual travel and lifestyle credits. Its Atmos Rewards cards also have lounge benefits and spending-based rewards worth reviewing, although some follow your card anniversary rather than the calendar year.
Bank of America® Premium Rewards® Elite Credit Card
Up to $300 Airline Incidental Credit: Receive up to $300 in statement credits each calendar year for qualifying airline purchases, including seat upgrades, baggage fees, lounge fees, and inflight services.
Up to $150 Lifestyle Credit: Receive up to $150 in statement credits each calendar year on eligible purchases, including streaming services, food delivery, fitness subscriptions, and rideshare services.
Bank of America® Premium Rewards® Credit Card
Up to $100 Airline Incidental Credit: Receive up to $100 in statement credits each calendar year for qualifying airline purchases, including seat upgrades, checked baggage fees, inflight services, and airport lounge fees.
Atmos™ Rewards Summit Visa Infinite® Credit Card
Alaska Lounge Passes: Receive two Alaska Lounge day passes each quarter, for a total of eight passes per calendar year.
25,000-Point Global Companion Award: Receive a 25,000-point Global Companion Award each card anniversary.
100,000-Point Global Companion Award: Earn an additional Global Companion Award worth up to 100,000 points after spending $60,000 on eligible purchases during a card anniversary year.
Atmos™ Rewards Ascent Visa Signature® Credit Card
$99 Companion Fare: Earn a $99 Companion Fare, plus taxes and fees starting at $23, each account anniversary after spending at least $6,000 on eligible purchases during the preceding anniversary year.
Atmos™ Rewards Visa Signature® Business Card
$99 Companion Fare: Earn a $99 Companion Fare, plus taxes and fees starting at $23, each account anniversary after spending at least $6,000 on eligible purchases during the preceding anniversary year.
Bilt Card Benefits to Use Before Year-End
Bilt’s Obsidian and Palladium cards offer semiannual hotel credits worth checking before December 31.
Bilt Obsidian Card
Up to $100 Bilt Travel Hotel Credit: Receive up to $50 in hotel credits each half of the calendar year on qualifying hotel bookings of at least two nights through Bilt Travel.
Bilt Palladium Card
Up to $400 Bilt Travel Hotel Credit: Receive up to $200 in hotel credits each half of the calendar year on qualifying hotel bookings of at least two nights through Bilt Travel.
$200 Bilt Cash: Receive $200 in Bilt Cash each year. Each award expires 12 months after it’s earned, on the last day of that month.
Wells Fargo Card Benefits to Use Before Year-End
Wells Fargo Autograph Journey℠ Card
$50 Annual Airline Credit: Receive a $50 statement credit on your first eligible airline purchase of at least $50. Starting in year two, this benefit resets every 12 months, starting on the first day of the month following your annual fee assessment.
Barclays Card Benefits to Use Before Year-End
Barclays issues a few JetBlue cobranded credit cards with calendar-year benefits.
JetBlue Premier Card
Up to $300 TrueBlue Travel Credit: Receive up to $300 in statement credits per calendar year on eligible purchases booked directly through TrueBlue Travel.
Up to $500 Companion Credit: Earn a one-time companion credit of up to $500 after spending $15,000 on eligible purchases in a calendar year.
JetBlue Plus Card
$100 JetBlue Vacations Credit: Receive a $100 statement credit once per calendar year after purchasing an eligible JetBlue Vacations package of at least $100.
JetBlue Business Card
$100 JetBlue Vacations Credit: Receive a $100 statement credit once per calendar year after purchasing an eligible JetBlue Vacations package of at least $100.
Don’t Forget About Calendar-Year Spending Requirements
Statement credits aren’t the only benefits worth checking before December 31.
Several cards offer additional free night awards, airline benefits, points bonuses, or elite-status perks after reaching a spending threshold during the calendar year.
These can be easy to miss because, unlike monthly statement credits, they often require thousands of dollars in purchases before you receive anything.
That’s why it’s worth checking your progress sooner rather than later. For example, if you’re close to a threshold, moving an upcoming expense to a card that’s close to earning a bonus reward might make a lot of sense.
But that doesn’t mean you should spend unnecessarily just to earn a reward. Consider what the benefit is worth to you, how much additional spending it requires, and whether you could snag a better return elsewhere.
MILORAD KRAVIC / ISTOCK
Check Your Credit Card Benefits Before December 31
With so many different reset schedules, it’s easy to lose track of what’s still available.
Before the year ends, open the benefits section of each credit card account and review any remaining credits, spending requirements, and enrollment or activation steps.
Pay particular attention to quarterly and semiannual benefits. Those often have smaller allocations that disappear at the end of each period, even when you’ve only used part of the available annual benefit.
And remember, you don’t need to use every credit just because it’s there. A credit that saves you money on a purchase you were already planning is far more useful than one that encourages you to spend money you otherwise wouldn’t have.
