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Credits to use before December 31

85 credits on 39 cards reset on January 1. Whatever you haven’t used by December 31 is gone, so here’s every one, card by card.

Updated Oct 15, 2026

Most yearly credits follow the calendar: they come back on January 1, and anything you haven’t used by December 31 disappears. Credits that reset twice a year are the same for the July–December half. This page lists both, for every card that’s open to new applicants, starting with the cards that have the most money at stake.

Before you go through the list:

  • Credits marked Activation required do nothing until you switch them on, so do that first.
  • Statement credits can take a few days to a few weeks to post. Don’t leave it to the last week of December.
  • Some credits reset on your card anniversary instead of January 1. Those aren’t listed here; each card’s page says which is which.

Platinum American Express · fee $895

Hotel Credit (Fine Hotels + Resorts / The Hotel Collection)
$300for Jul–Dec

Up to $300 Jan–Jun and $300 Jul–Dec on prepaid Fine Hotels + Resorts or The Hotel Collection bookings through Amex Travel paid with the card. The Hotel Collection requires a 2-night minimum.

Uber Cash December BonusActivation required
$20this year

Extra $20 Uber Cash in December on top of the regular $15 (so $35 in December, $200/yr total). Expires at the end of December.

Uber One Credit
$120this year

Up to $120 in statement credits per calendar year for an auto-renewing Uber One membership charged to the card.

Airline Fee CreditActivation required
$200this year

Up to $200 per calendar year for incidental fees (checked bags, seat and change fees, lounge day passes, inflight refreshments) on one airline picked in advance: Alaska, American, Delta, JetBlue, Southwest or United. You can switch once a year in January; tickets, upgrades, miles and gift cards don't count.

CLEAR+ Credit
$219this year

Up to $219 per calendar year for an auto-renewing CLEAR+ membership, excluding taxes and fees (raised from $209 on July 1, 2026).

Oura Ring CreditActivation required
$200this year

Up to $200 per calendar year on Oura Ring hardware bought at ouraring.com (U.S.); Oura memberships, accessories, warranties and gift cards excluded.

Equinox CreditActivation required
$300this year

Up to $300 per calendar year on an eligible U.S. Equinox club membership or a standalone Equinox+ subscription paid with the card; Equinox+ bought inside its app or through a third party doesn't count.

Platinum for Charles Schwab Charles Schwab · American Express · fee $895

Hotel Credit (Fine Hotels + Resorts / The Hotel Collection)
$300for Jul–Dec

Up to $300 Jan–Jun and $300 Jul–Dec on prepaid FHR or The Hotel Collection (2-night minimum) bookings through Amex Travel.

Uber Cash December BonusActivation required
$20this year

Extra $20 Uber Cash in December ($35 that month; $200/yr total).

Uber One Credit
$120this year

Up to $120 per calendar year for an auto-renewing Uber One membership.

Airline Fee CreditActivation required
$200this year

Up to $200 per calendar year for incidental fees on one airline picked in advance: Alaska, American, Delta, JetBlue, Southwest or United. You can switch once a year in January; tickets, upgrades, miles and gift cards don't count.

CLEAR+ Credit
$219this year

Up to $219 per calendar year for CLEAR+ paid with the card.

Oura Ring CreditActivation required
$200this year

Up to $200 per calendar year on Oura Ring hardware bought at ouraring.com (U.S.); memberships and accessories don't count. Enrollment required.

Equinox CreditActivation required
$300this year

Up to $300 per calendar year on an eligible U.S. Equinox club membership or a standalone Equinox+ subscription paid with the card; Equinox+ bought inside its app or through a third party doesn't count.

Platinum for Morgan Stanley Morgan Stanley · American Express · fee $895

Hotel Credit (Fine Hotels + Resorts / The Hotel Collection)
$300for Jul–Dec

Up to $300 Jan–Jun and $300 Jul–Dec on prepaid FHR or The Hotel Collection (2-night minimum) bookings via Amex Travel.

Uber Cash December BonusActivation required
$20this year

Extra $20 Uber Cash in December ($35 that month).

Uber One Credit
$120this year

Up to $120 per calendar year for an auto-renewing Uber One membership.

Airline Fee CreditActivation required
$200this year

Up to $200 per calendar year for incidental fees on one airline picked in advance: Alaska, American, Delta, JetBlue, Southwest or United. You can switch once a year in January; tickets, upgrades, miles and gift cards don't count.

CLEAR+ Credit
$219this year

Up to $219 per calendar year for an auto-renewing CLEAR+ membership, excluding taxes and fees.

Oura Ring CreditActivation required
$200this year

Up to $200 per calendar year on an Oura Ring bought at ouraring.com.

Equinox CreditActivation required
$300this year

Up to $300 per calendar year on an eligible U.S. Equinox club membership or a standalone Equinox+ subscription paid with the card; Equinox+ bought inside its app or through a third party doesn't count.

Sapphire Reserve Business Chase · fee $795

The Edit Hotel Credit
$500this year

Up to $250 per prepaid The Edit booking, up to $500 per calendar year in 2026. Rises to $1,000 per calendar year (four $250 credits) starting 1/1/2027. Qualifying purchases earn no points; primary cardmember only.

Select Chase Travel Hotels Credit (2026 only)
$250this year

Up to $250 in total statement credits through 12/31/2026 on prepaid Chase Travel stays of 2+ nights at IHG, Montage, Pendry, Omni, Virgin Hotels, Minor Hotels or Pan Pacific; the $250 can be spread over more than one booking. Primary cardmember only; qualifying purchases earn no points.

ZipRecruiter Credit
$200for Jul–Dec

Up to $200 Jan-Jun and $200 Jul-Dec in statement credits on purchases made directly with ZipRecruiter.

Google Workspace Credit
$200this year

Up to $200 per calendar year in statement credits on Google Workspace purchases made directly with Google.

Giftcards.com Credit
$50for Jul–Dec

Up to $50 Jan-Jun and $50 Jul-Dec on gift cards from the curated collection at giftcards.com/reservebusiness (e.g., Chipotle, DoorDash, Fandango, Macy's, Sephora).

Business Platinum American Express · fee $895

Hotel Credit (Fine Hotels + Resorts / The Hotel Collection)
$300for Jul–Dec

Up to $300 Jan–Jun and up to $300 Jul–Dec on prepaid FHR or The Hotel Collection bookings made through Amex Travel with the card. The Hotel Collection needs a 2-night minimum stay.

Airline Fee CreditActivation required
$200this year

Up to $200 per calendar year for incidental fees (bags, seat fees, in-flight purchases etc.) charged by one selected qualifying airline. You must pick the airline. Airfare does not count.

CLEAR+ Credit
$219this year

Up to $219 per calendar year toward an auto-renewing CLEAR+ membership paid with the card (taxes and fees excluded).

Dell Technologies CreditActivation required
$150this year

Up to $150 per calendar year on U.S. purchases made directly with Dell Technologies. It was cut from $400 in the Sept 2025 refresh.

ChatGPT Business CreditActivation required
$300this year

Up to $300 per calendar year on U.S. purchases of ChatGPT Business made directly with OpenAI. Added May 12, 2026. ChatGPT Business needs at least 2 seats, and the consumer ChatGPT Plus plan does not qualify.

Sapphire Reserve Chase · fee $795

The Edit Hotel Credit
$500this year

Up to $250 per prepaid The Edit by Chase Travel booking, up to $500 per calendar year. Since 1/1/2026 it is no longer split into Jan-Jun/Jul-Dec halves; the two $250 credits can be used any time in the year. Qualifying purchases earn no points.

Select Chase Travel Hotels Credit (2026 only)
$250this year

Up to $250 in total statement credits through 12/31/2026 on prepaid Chase Travel stays of 2+ nights at IHG, Montage, Pendry, Omni, Virgin Hotels, Minor Hotels or Pan Pacific; the $250 can be spread over more than one booking. It stacks with The Edit and travel credits, and qualifying purchases earn no points.

Sapphire Reserve Exclusive Tables Dining Credit
$150for Jul–Dec

Up to $150 Jan-Jun and $150 Jul-Dec in statement credits for dining at participating Sapphire Reserve Exclusive Tables restaurants on OpenTable. Third-party delivery does not qualify. Chase's Exclusive Tables benefit term now runs through 6/30/2030.

StubHub / Viagogo CreditActivation required
$150for Jul–Dec

Up to $150 Jan-Jun and $150 Jul-Dec in statement credits on concert and event tickets bought on StubHub or Viagogo. Activation required; gift cards and UK-site purchases excluded.

British Airways Visa Signature British Airways · Chase · fee $95

Reward Flight Statement Credit
$600this year

$100 (economy/premium economy) or $200 (business/first) per BA-operated transatlantic Reward Flight booking originating in the US with taxes/fees paid on the card; max 3 bookings ($600) per calendar year.

Strata Elite Citi · fee $595

Annual Hotel Benefit (Citi Travel)
$300this year

Up to $300 off a prepaid 2+ night hotel stay booked at cititravel.com or 1-833-737-1288, applied at booking. Any unused remainder stays available for later bookings in the same calendar year (Eastern Time).

Splurge CreditActivation required
$200this year

Up to $200 in statement credits per calendar year at up to 2 activated brands: 1stDibs, American Airlines, Best Buy, Future Personal Training, Live Nation (exclusions apply for AA and Live Nation). You must activate the merchants first, and you can change them at any time.

Blacklane Credit
$100for Jul–Dec

Up to $100 in statement credits on Blacklane chauffeur bookings in January–June and another $100 in July–December.

AAdvantage Executive American Airlines · Citi · fee $695

American Airlines Vacations Credit
$250for Jul–Dec

Up to $250 in statement credits on AA Vacations packages or Experiences bought at aavacations.com in January–June, and up to $250 in July–December. New with the Aug 2026 refresh.

Inflight & Admirals Club Purchases Credit
$100this year

Up to $100 per calendar year on inflight purchases on domestic AA/American Eagle flights and on Admirals Club food and drink (One Day Passes excluded). It replaced the 25% inflight discount, which ended for existing cardmembers on Sept 30, 2026.

Avis/Budget Prepaid Rental Credit
$120this year

Up to $120 per calendar year in statement credits on prepaid rentals booked directly at avis.com or budget.com. Pay-later bookings and travel agencies don't count.

Business Gold American Express · fee $375

ChatGPT Business CreditActivation required
$300this year

Up to $300 per calendar year on U.S. purchases of ChatGPT Business made directly with OpenAI. Added May 12, 2026, and subject to auto-renewal.

Squarespace CreditActivation required
$150this year

Up to $150 per calendar year on U.S. purchases made directly with Squarespace, including its Acuity Scheduling service. Added Oct 2025.

Premium Rewards Elite Bank of America · fee $550

Airline Incidental Credit
$300this year

Up to $300 per calendar year for airline incidentals (seat upgrades, bag fees, lounge fees, in-flight purchases, change fees) on domestic-originated flights with eligible U.S. carriers; airfare excluded and Allegiant, Spirit and Sun Country don't count. No airline selection needed.

Lifestyle Credit
$150this year

Up to $150 per calendar year on select streaming, food delivery, fitness subscription and rideshare merchants; one annual pool, not monthly installments.

AAdvantage Globe American Airlines · Citi · fee $350

Turo CreditActivation required
$240this year

Up to $30 in statement credits per completed Turo trip, up to $240 per calendar year. You must link the card at Turo.com/Globe and pay with the physical card number (no digital wallets).

Splurge CreditActivation required
$100this year

Up to $100 per calendar year on up to 2 activated brands: 1stDibs, eligible AAdvantage Hotels bookings, Future Personal Training, Live Nation (exclusions apply).

Inflight Purchases Credit
$100this year

Up to $100 per calendar year in statement credits on inflight purchases on domestic flights operated by American Airlines or American Eagle (not codeshares). Credits post 8-10 weeks after the purchase.

Hilton Honors Aspire Hilton · American Express · fee $550

Hilton Resort Credit
$200for Jul–Dec

Up to $200 Jan–Jun and $200 Jul–Dec on eligible purchases made directly with participating Hilton Resorts, including dining and spa charged to your room. Prepaid or non-refundable rates and Small Luxury Hotels properties don't count.

CLEAR+ Credit
$219this year

Up to $219 per calendar year for a CLEAR+ membership paid with the card (excludes taxes/fees; subject to auto-renewal).

JetBlue Premier JetBlue · Barclays · fee $499

TrueBlue Travel Credit
$300this year

Up to $300 back per calendar year on hotels, car rentals, cruises and other travel booked directly through TrueBlue Travel, with no per-booking minimum; the credit posts 6-8 weeks after the purchase. Pay-later hotels, travel insurance and add-on fees don't count.

Wyndham Rewards Earner Premier Wyndham · Barclays · fee $395

Wyndham Hotel Credit
$100this year

One $100 statement credit per calendar year once you spend $100+ at Wyndham, Wyndham Grand, Dolce, Trademark Collection or Registry Collection hotels (by merchant code).

Streaming Credit
$100this year

Up to $100 per calendar year on eligible video, music and audiobook/ebook streaming services (Barclays publishes the merchant list).

Wholesale Club Credit
$65this year

One $65 statement credit per calendar year once you spend $65+ on qualifying wholesale club transactions, including membership and renewal fees.

Delta SkyMiles Reserve Business Delta · American Express · fee $650

Delta Stays Credit
$250this year

Up to $250 per calendar year on prepaid hotels or vacation rentals booked through Delta Stays on delta.com.

IHG One Rewards Premier Select IHG · Chase · fee $350

Airline statement credit
$200this year

$200 statement credit once per calendar year after at least $250 of flight purchases booked directly with an airline; terms run through 12/31/2027.

United TravelBank CashActivation required
$25for Jul–Dec

$25 in United TravelBank Cash deposited around Jan 5 and Jul 5 after a one-time registration at ihg.com/united (MileagePlus account needed). The Jan deposit expires Jul 15 and the Jul deposit expires Jan 15.

Delta SkyMiles Reserve Delta · American Express · fee $650

Delta Stays Credit
$200this year

Up to $200 per calendar year on prepaid hotels or vacation rentals booked through Delta Stays on delta.com; can be split across bookings.

Delta SkyMiles Platinum Business Delta · American Express · fee $350

Delta Stays Credit
$200this year

Up to $200 per calendar year on prepaid hotels or vacation rentals booked through Delta Stays on delta.com.

IHG One Rewards Business IHG · Chase · fee $200

Airline statement credit
$100this year

$100 statement credit once per calendar year after at least $250 of flights booked directly with an airline; terms run through 12/31/2027. New as of Oct 2026.

Expensify statement credit
$100this year

Up to $100 per calendar year in statement credits for purchases made directly with Expensify (website or app). New as of Oct 2026.

Bilt Palladium Bilt · Cardless · fee $495

Bilt Travel Hotel CreditActivation required
$200for Jul–Dec

Up to $200 Jan 1-Jun 30 and $200 Jul 1-Dec 31 on Bilt Travel hotel bookings of at least 2 nights; opt in to the credit in the booking flow. Each half-year credit is lost if unused, with no rollover. Bilt can take the credit back if the booking is canceled or changed, or if the account closes within 90 days.

AAdvantage Platinum Select American Airlines · Citi · fee $99

Turo CreditActivation required
$180this year

Up to $30 in statement credits per completed Turo trip, up to $180 per calendar year. Link the card to your Turo account on Turo's AAdvantage Platinum page first; digital wallets and virtual card numbers don't count.

Delta SkyMiles Platinum Delta · American Express · fee $350

Delta Stays Credit
$150this year

Up to $150 per calendar year on prepaid hotels or vacation rentals booked through Delta Stays on delta.com.

Delta SkyMiles Gold Business Delta · American Express · fee $150

Delta Stays Credit
$150this year

Up to $150 per calendar year on prepaid hotels or vacation rentals booked through Delta Stays on delta.com.

Gold American Express · fee $325

Resy CreditActivation required
$50for Jul–Dec

Up to $50 Jan–Jun and $50 Jul–Dec at qualifying U.S. Resy restaurants and other food and drink spots; since Sept 15, 2026 prepaid Tock reservations and deposits at U.S. venues count too.

Uber One Membership Credit (limited time)Activation required
$96this year

One-time Amex Offer: up to $96 back on an annual Uber One membership (not monthly) bought with the Gold Card between Apr 30 and Oct 30, 2026; the charge must post by Oct 30. Enrollment was limited and additional cards don't qualify.

United Business United · Chase · fee $150

United Travel Credit (TravelBank cash)
$125this year

$125 in United TravelBank cash once per calendar year after five United purchases of $100+ each (flights, seat upgrades, Economy Plus, inflight, bag fees); usable only on United/United Express flights and expires 12 months after issue.

Rideshare Credit (December extra)Activation required
$4this year

December rideshare credit is up to $12 instead of $8; this is the extra $4.

IHG One Rewards Premier IHG · Chase · fee $150

Airline statement credit
$100this year

$100 statement credit once per calendar year after at least $250 of flights booked directly with an airline; terms run through 12/31/2027. New as of Oct 2026.

United TravelBank CashActivation required
$25for Jul–Dec

$25 in United TravelBank Cash deposited around Jan 5 and Jul 5 after a one-time registration at ihg.com/united (MileagePlus account needed). The Jan deposit expires Jul 15 and the Jul deposit expires Jan 15.

Wyndham Rewards Earner Business Wyndham · Barclays · fee $149

Wholesale Club Credit
$65this year

One $65 statement credit per calendar year once you spend $65+ on qualifying wholesale club transactions, such as membership or renewal fees.

Accounting Software Credit
$50this year

Up to $50 per calendar year in statement credits on qualifying accounting software purchases (by merchant code).

Delta SkyMiles Gold Delta · American Express · fee $150

Delta Stays Credit
$100this year

Up to $100 per calendar year on prepaid hotels or vacation rentals booked through Delta Stays on delta.com.

Strata Premier Citi · fee $95

Annual Hotel Benefit (Citi Travel)
$100this year

$100 off one hotel stay of $500 or more (excluding taxes and fees) booked at cititravel.com or 1-833-737-1288, applied instantly at booking. Once per calendar year.

JetBlue Plus JetBlue · Barclays · fee $99

JetBlue Vacations Statement Credit
$100this year

One $100 statement credit per calendar year after buying a JetBlue Vacations package of $100 or more with the card; posts 6-8 weeks after the purchase.

JetBlue Business JetBlue · Barclays · fee $99

JetBlue Vacations Statement Credit
$100this year

One $100 statement credit per calendar year after buying a JetBlue Vacations package of $100 or more with the card.

Premium Rewards Bank of America · fee $95

Airline Incidental Credit
$100this year

Up to $100 per calendar year for airline incidentals (bag fees, seat upgrades, change fees, lounge fees, in-flight purchases) on domestic-originated flights with eligible U.S. carriers. Airfare doesn't count, nor do Allegiant, Spirit or Sun Country.

Air Canada Aeroplan Air Canada Aeroplan · Chase · fee $195

Air Canada Statement Credit
$50for Jul–Dec

Up to $50 Jan-Jun and $50 Jul-Dec on purchases made directly with Air Canada (excludes gift cards, car rentals, hotels, third-party products, onboard Wi-Fi). Purchases before 9/10/2026 don't count, so 2026 has only the Jul-Dec credit.

Bilt Obsidian Bilt · Cardless · fee $95

Bilt Travel Hotel CreditActivation required
$50for Jul–Dec

Up to $50 Jan 1-Jun 30 and $50 Jul 1-Dec 31 on Bilt Travel hotel bookings of at least 2 nights; turn the credit on at checkout. Each half-year credit is lost if unused, with no rollover. Bilt can take the credit back if the booking is canceled or changed, or if the account closes within 90 days.

Wyndham Rewards Earner Plus Wyndham · Barclays · fee $95

Meal Delivery Credit
$25for Jul–Dec

Up to $25 back in Jan-Jun and again in Jul-Dec on third-party meal delivery services (not restaurant-run delivery); $50 per calendar year. New-version cards only.

United Club United · Chase · fee $695

Rideshare Credit (December extra)Activation required
$6this year

December rideshare credit is up to $18 instead of $12; this is the extra $6.

United Club Business United · Chase · fee $695

Rideshare Credit (December extra)Activation required
$6this year

December rideshare credit is up to $18 instead of $12; this is the extra $6.

United Quest United · Chase · fee $350

Rideshare Credit (December extra)Activation required
$4this year

December rideshare credit is up to $12 instead of $8; this is the extra $4.

Never get caught by December again

Premium IC (free) sends a notification before each of your credits expires, whether it resets monthly, yearly or on your card anniversary, and stops reminding you once you’ve marked it used.

Credits as described by each bank, last checked Oct 18, 2026. Credits that post by themselves and credits you unlock by spending aren’t listed.